Special Events Coverage for Wedding, Party, Picnic, Dog Show, Auction, Bake Sale and More!
YOU ARE VULNERABLE TO SUITS ALLEGING “PROPERTY DAMAGE,” “BODILY INJURY” OR “MEDICAL PAYMENTS” CAUSED BY THE NEGLIGENT OPERATIONS OR ACTIVITIES AT YOUR SPECIAL EVENT.
- If someone trips and falls at your affair, there is the potential you may be facing a significant lawsuit due to their injuries.
- Property damage to the venues is the most common type of claim we see on special events.
- One or several attendees could suffer from serious food poisoning and you may be responsible for their medical expenses.
YOU CAN BE HELD LIABLE FOR THE ACTIONS OF INTOXICATED OR UNDERAGE PERSONS YOU SERVED AT YOUR SPECIAL EVENT
- The negligent service to an intoxicated or underage person can produce substantial verdicts or settlements.
- Underage drinkers make up a significant portion of alcohol-related traffic crashes.
- You may also be held responsible for the actions of those selling/serving alcohol for you.
- Even if you are ultimately cleared of liability, it may cost thousands of dollars to defend a claim.
Premiums as low as $250 for General Liability and Host Liquor Liability!
TYPICAL REASONS WHY COVERAGE IS IMPORTANT
- Homeowner’s policy may cap their host liquor liability limit at $300,000 or exclude host liquor completely
- Homeowner’s policy may not provide the high limits required by the facility or sponsor, and/or will not add an additional insured to the policy
- Personal umbrella policy may contain a liquor liability exclusion
- Banquet facility may require you to carry your own general liability and liquor liability insurance
- Peace of mind on your big day
Liquor Liability - A minor was served alcohol at a brew festival sponsored by the insured. After leaving the festival, the minor got into his car, lost control of his vehicle and struck a telephone pole. Claimant suffered severe facial lacerations and sued the event sponsor and beer vendor for illegal service to a minor. Medical bills totaled $150,000.
Host Liquor Liability - A guest was drinking heavily at a holiday party hosted by the insured. While driving home, she lost control of her vehicle and hit a tractor-trailer head on. The driver of the truck suffered severe injuries. The truck driver brought suit against the host of the party for negligence in serving the intoxicated guest. The driver’s injuries totaled $300,000.
- General Liability - Insured was holding a basketball tournament at a YMCA. During the game the gymnasium floor was damaged. Property owner sued for the property damages totaling $35,200.
- General Liability - Insured held a theater performance at a local high school auditorium. Fake blood was used for a special effect, and damaged the curtains in the facility. The property owner sued the insured for the damage to the curtains totaling $12,500.