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Short Term Special Events
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  Glossary | Buy On-line

This program is for those who are hosting/organizing an event.  Concessionaires, entertainers and/or vendors
click here for coverage.


This insurance program has been specifically designed for the organizers of short term special events that meet the following criteria:

  • Maximum total attendance is 3,000 or less.
  • Maximum number of consecutive event days (not including set-up or tear down) is 10.
  • Event is held at a single location.
  • Event location must be held in the U.S.
Eligible Operations
- After Prom Parties (school sponsored event only)
- Graduation ceremonies
- Auctions
- Grand openings
- Award presentations
- Job fairs
- Ball/dances
- Lectures/seminars/workshops
- Banquets
- Meetings
- Bar mitzvah or bat mitzvah
- Memorial services
- Bazaars
- Pageants
- Benefits
- Parties
- Billiard events/tournaments
- Picnics (no in or on water activities)
- Bingo games (for fundraising/charity only)
- Poet or poetry readings
- Book signings
- Proms
- Card games/events (for charity/fundraising only)
- Quinceaneras
- Car washes (for charity/fundraising only)
- Recitals (dance, music)
- Casino events (for charity/fundraising only)
 - Religious events
- Celebrations (holiday, new year)
- Reunions
- Chamber of commerce business events/mixers
- Sales (bake, charity, consignment, estate, garage)
- Charity events
- School band or drill  competitions
- Chess events
- School carnivals (no rides/inflatables)
- Christmas caroling (single location)
- Showers (baby, bridal, wedding)
- Christmas lighting ceremony
- Shows (animals-arena setting only, antique, art, baby,
- Conventions

business, collector, consumer, craft, fashion, flower, garden,
- Debuts or debutante balls

home, stage, wedding)
- Dinners, luncheons or showers
- Social gatherings or receptions
- Direct selling consultant parties
- Speaking engagements
- Easter egg hunts (no egg drops from aircrafts)
- Talent Shows (children only)
- Farmers' markets
- Telethons
- Festivals
- Theatrical performances or musicals
- Film screening or showings
- Walking tours (garden, holiday, parade of homes, historical
- Flea markets or swap meets

sites) - single location
- Food cooking contests
Wedding activities' (rehearsal, ceremony or reception)


Ineligible for this program:

Certain event types are not eligible for coverage by this program. We reserve the right to decline any request for coverage.
The ineligible event types include, but are not limited to the following (and are excluded from coverage):
- Activist Rally/March/Protest - Fraternity or sorority events (except alumni association
- Aircraft Show/Event

off-site events that have been approved by us)
- Animal Obedience Training
- Geocaching events
- Any events involving organized athletic events/competitions
Gun and/or knife shows
Any event and/or concert involving rap, hip-hop,
Haunted attractions/events

heavy metal/screamo or techno/electronic
Health fairs/expositions
​-Any events held on an airport premises
-​Hunting, fishing and hiking events
Any events honoring national and/or local celebrities or
- Mazes (corn, hay or fence)

professional athletes
- Parades (or any event involving a parade)
Any event involving in or on water activities
- Political events (except private fundraising auctions,
- Battle reenactments
benefits, dances, dinners)
- Cannabis related events
- Pumpkin chuckin events
- Christmas tree sales/lots
- Rodeos
- Cinematography or photography events for commercial use
- Seances
- Circuses
- Shooting events/activities (skeet/trap/clay/guns)
Color party, foam party or raves
- Tailgating events (unless reported to and approved by us)
- E-gaming
- Tractor pulls
-​Food eating contests
​-Union meetings

​-Walks/running events*

*Please contact us for coverage options for these types of events.​ ​ ​ ​

Coverages Available & Program Highlights

Commercial General Liability
- Personal and Advertising Injury    
- Medical Expense    
- Damage To Premises Rented to You    
- Products-Completed Operations    

Notable Exclusions

- Abuse molestation or exploitation
- Sexually transmitted disease
- Any event held at multiple locations (except for weddings)
Silica or silica-related dust
Any event held outside the U.S.
- Specified recreational vehicles and activities - Aircraft/hot
- Any event with over 3,000 in attendance

air balloon; Airport; Amusement devices: the ownership,
- Asbestos

operation, maintenance or use of any device or equipment
Cap on losses from certified acts of terrorism

a person rides for enjoyment, including, but not limited to:
Commercial general liability standard exclusions

mechanical or non-mechanical ride, slide or water slide
  (CG0001 4/13 edition)

(including any ski or tow when used in conjunction with a
Communicable disease

water slide); inflatable recreational device; or vertical device
  -   Cyber incident, data compromise and violation of statutes

or equipment used for climbing, whether permanently affixed
related to personal data
or temporarily erected. This exclusion does not apply to
E-commerce consulting
video or computer games or structures that are not designed
 -   Employment related practices
to bounce on, slide on, ride on or tunnel through; Animals;
- Fireworks
Bungee; Dunk tank; Haunted attractions; Parade; Performer;
Fungi or bacteria
Rodeo; Saddle animal; Snowmobile
Total pollution with a building heating, cooling & dehumidifying
- Nuclear energy

equipment exception and hostile fire exception
- Operations of concessionaires, exhibitors and/or vendors
Unmanned aircraft
at your event
- Petting zoos
​Room and board liability/overnight camping
Preliminary Underwriting Information Required
The following information is required 10 business days prior to the desired effective date:
- Completed and signed enrollment form
- Full premium payment by check or credit/debit card