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Short Term Special Events
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Phone 1-800-955-1991
Fax 1-913-327-0201
Claims 1-800-237-2917
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This program is for those who are hosting/organizing an event.  Concessionaires, entertainers and/or vendors
click here for coverage.

NOW AVAILABLE - Buy Coverage On-line!  Liability limits of $1,000,000 to $5,000,000 (per occurrence) are available online.


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) - Food cooking contests
- Auctions - Graduation ceremonies
- 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 charity/fundraising only) - Poet or poetry readings
- Book signings - Proms
- Card games/events (for charity/fundraising only) - Quinceanera
- Car/motorcycle/RV/boat shows-static display only - Recitals (dance, music)
- Car washes (for charity/fundraising only)  - Religious events
- Casino events (for charity/fundraising only) - Reunions
- Celebrations (holiday, New Year) - Sales (bake, charity, consignment, estate, garage)
- Chamber of commerce business event/mixer - School band or drill team competitions
- Charity events - School carnivals (no rides/inflatables)
- Chess events - Showers (baby, bridal, wedding)
- Christmas caroling (single location) - Shows (animals-arena setting only, antique, art,
- Christmas lighting ceremony baby, business, collector, consumer, craft, fashion,
- Conventions flower, garden, home, stage, wedding)
- Debuts or debutante balls - Social gatherings or receptions
- Dinners, luncheons or showers - Speaking engagements
- Direct selling consultant parties - Talent search/shows - children only
- Easter egg hunts - Telethons
- Farmers' markets - Theatrical performances or musicals
- Festivals - Walking tours (garden, holiday, parade of homes,
- Film screenings or showings historical sites) - single location
- Flea markets or swap meets - 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 rallies, marches or literature distribution - Fraternity or sorority events*
- Airshows - Geocaching events
- Animal obedience training - Gun and/or knife shows
- Athletic events and competitions* - Haunted attractions
- Bonfires - Health fairs or shows
- Cannabis related events - Historical battle reenactments
- Cinematography and photography for commercial use - In-or-on water activities
- Circuses - Mazes (corn/hay/fences)
- Color party, foam party or raves - Overnight retreats
- Concerts or Music Festivals* - Parades*
- Events - involving rap, hip-hop, alternative   - Political events (except private fundraising auctions,
or techno/DJ benefits, dances, dinners)
- Events held on an airport premises - Pumpkin chuckin events
- Events honoring national and/or local celebrities - Rodeos*
or professional athletes - Seances
- Events involving any motorized vehicle(s) in, or while in - Tailgating events*
​practice for, or while being prepared for, or while qualifying​-​Tractor pulls
​for, or while testing for any racing, speed, demolition,​-​Union meetings
​distance, or stunting activity​-​Walks/running events*
​-​Food eating contests
*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, harassment, or sexual conduct - Designated operations exclusion-those events listed
- Aircraft/hot air balloon - ownership, operation, as ineligible
maintenance or use - E-commerce consulting
- Airport - ownership, operation, maintenance or use - Events held at multiple locations
- Amusement devices - the ownership, maintenance, - Events with over 3,000 in total attendance
operation or use of: any mechanical or non-mechanical - Fireworks
  ride, slide, or water slide, any inflatable recreational - Fungi or bacteria
  device, any bungee operation or equipment, any - Lead
  vertical device or equipment used for climbing - either - Nuclear energy
  permanently affixed or temporarily erected, or dunk tank. - Performers
Amusement devices do not include any video or  - Petting zoos
  computer games or structures that are not designed  - Room and board liability
  to bounce on, slide on, ride on or tunnel through. - Saddle animals - ownership, operation, maintenance, use
- Animals - injury or death to any animal; injury, death loading or unloading of any saddle animal, including but
or property damage caused by any animal owned, not limited to, riding any saddle animal or riding on any
rented or hired by you vehicle which is drawn or powered by any animal
- Asbestos - Snowmobile
- Claims arising out of the operations of concessionaires,
exhibitors and vendors at your event
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