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After prom parties (school-sponsored event only) |
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Flea markets or swap meets |
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Auctions |
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Food cooking contests |
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Award presentations |
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Graduation ceremonies |
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Ball/dances |
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Job fairs |
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Banquets |
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Lectures/seminars/workshops |
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Bar mitzvah or bat mitzvah |
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Meetings |
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Bazaars |
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Memorial services |
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Benefits |
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Pageants |
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Billiard events/tournaments |
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Parties |
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Bingo games (for charity/fundraising only) |
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Picnics (no in or on water activities) |
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Book signings |
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Poet or poetry readings |
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Card games/events (for charity/fundraising only) |
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Proms |
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Car washes (for charity/fundraising only) |
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Quinceanera |
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Casino events (for charity/fundraising only) |
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Recitals (dance, music) |
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Celebrations (holiday, New Year) |
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Religious events |
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Chamber of commerce business event/mixer |
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Reunions |
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Charity events |
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Sales (bake, charity, consignment, estate, garage) |
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Chess events |
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School band or drill team competitions |
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Christmas caroling (single location) |
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School carnivals (no rides/inflatables) |
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Christmas lighting ceremony |
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Showers (baby, bridal, wedding) |
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Conventions |
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Shows (animals-arena setting only, antique, art, |
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Debuts or debutante balls |
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baby, business, collector, consumer, craft, fashion, |
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Dinners, luncheons or showers |
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flower, garden, home, stage, wedding) |
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Direct selling consultant parties |
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Social gatherings or receptions |
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Easter egg hunts |
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Speaking engagements |
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Farmers' markets |
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Talent search/shows - children only |
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Festivals |
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Telethons |
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Film screenings or showings |
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Theatrical performances or musicals |
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Walking tours (garden, holiday, parade of homes, |
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historical sites) - single location |
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Wedding activities (rehearsal, ceremony or reception) |
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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): |
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Activist rallies, marches or literature distribution |
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Fraternity or sorority events* |
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Airshows |
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Geocaching events |
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Animal obedience training |
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Gun and/or knife shows |
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Athletic events and competitions* |
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Haunted attractions |
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Bonfires |
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Health fairs or shows |
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Cannabis related events |
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Historical battle reenactments |
| - | Car/Motorcycle/RV/Boat Shows* | - | In-or-on water activities |
| - |
Cinematography and photography for commercial use |
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Mazes (corn/hay/fences) |
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Circuses |
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Overnight retreats |
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Color party, foam party or raves |
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Parades* |
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Concerts or Music Festivals* |
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Political events (except fundraising auctions, |
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Events - involving rap, hip-hop, alternative |
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benefits, dances, dinners) |
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or techno/DJ |
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Pumpkin chuckin events |
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Events held on an airport premises |
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Rodeos* |
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Eventsl honoring national and/or local celebrities |
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Seances |
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or professional athletes |
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Tailgating events* |
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Events involving any motorized vehicle(s) in, or while in |
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Tractor pulls |
| | practice for, or while being prepared for, or while qualifying | - | Union meetings |
| | for, or while testing for any racing, speed, demolition, | - | Walks/running events* |
| | distance, or stunting activity | | |
| - | Food eating contests | | |
| | | | |
| *Please contact us for coverage options for these types of events. |
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Coverages Available & Program Highlights |
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| Commercial General Liability |
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Personal and Advertising Injury |
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Medical Expense |
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Damage To Premises Rented to You |
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| - |
Products-Completed Operations |
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Abuse molestation, harassment, or sexual conduct |
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Designated operations exclusion - those events |
| - |
Aircraft/hot air balloon - ownership, operation, |
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listed as ineligible |
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maintenance or use |
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E-commerce consulting |
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Airport - ownership, operation, maintenance or use |
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Events held at multiple locations |
| - |
Amusement devices - the ownership, maintenance, |
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Events with over 3,000 in total attendance |
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operation or use of: any mechanical or non-mechanical |
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Fireworks |
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ride, slide, or water slide, any inflatable recreational |
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Fungi or bacteria |
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device, any bungee operation or equipment, any |
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Lead |
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vertical device or equipment used for climbing - either |
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Nuclear energy |
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permanently affixed or temporarily erected,or dunk tank |
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Performers |
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Amusement devices do not include any video or |
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Petting zoos |
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computer games or structures that are not designed to |
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Room and board liability |
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bounce on, slide on, ride on or tunnel through |
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Saddle animals - ownership, operation, maintenance, use |
| - |
Animals - injury or death to any animal; injury, death |
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loading or unloading of any saddle animal, including but |
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or property damage caused by any animal owned, |
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not limited to, riding any saddle animal or riding on any |
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rented or hired by you |
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vehicle which is drawn or powered by any animal |
| - |
Asbestos |
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Snowmobile |
| - |
Claims arising out of the operations of concessionaires, |
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exhibitors and vendors at your event |
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| Preliminary Underwriting Information Required |
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| The following information is required 10 business days prior to the desired effective date: |
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Completed and signed enrollment form |
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Full premium payment by check or credit/debit card |
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