One Day Special Event Insurance

Ed Sneineh, Chicago Insurance Agent

One Day or Special Event insurance is an important kind of  liability protection for certain people or for-profit and non for profit organizations which sponsor certain activities that are not normally covered under the commercial general liability for any reasons.  These reasons could range from the fact that certain event organizers may not be holding any liability insurance at the moment and they need some sort of insurance for a particular activity, or their present liability insurance does not provide enough protection at the remote location where the activities will take place. People can get this special even insurance as a temporary protection.

Parties, weddings, concerts, sports tournaments, shows, exhibitions and markets whether done as organizations, individuals, clubs, religious entities, and business organizations that sponsor or host activities that are not included in their General Liability Policy, are normally required to provide this  insurance when and if requested. Normally, owners of the facility where the event will take place, auditorium, park, city or state authorities will ask from the insured to have their name listed as additional insured on all proof of insurance.

Coverages Under Special Event Insurance.  Coverages provided under one day event, or special event, include bodily injuries and property damages for which the insureds become responsible for on during the event time. Special event programs may provide  commercial general liability coverage, dram shop (liquor liability), and  other legal defense for claims of negligence made against the insured, or the persons organizing the Event. Nowadays'  litigious culture, event planners face possible liability suits from people attending the events. Coverage that comes normally included:

  • Each Occurrence/ Premises Liability
  • Product/ Completed Operations
  • Personal and Advertising Injury
  • Rented to Rented Premises, also called Fire Legal
  • Medical Payments (optional)
  • General Aggregate

Limits on these coverages can vary, but they are normally set at $1,000,000 each occurrence.

Liquor liability, garage keeper liability, or any other liability that is not specifically disclosed in the  policy will not be covered. To be covered, liquor liability, for example, must be added to the coverage by an endorsement.

Certificate Holders and Additional Insured: Normally owners/ managers of the premises where the event will take place (for example: banquet hall owners, park districts, villages and municipalities, show organizers, etc.) will require that the event organizers provide proof of insurance for the time of the event. People requesting the proof of insurance want to make sure that in the event of any problem the requesters will have the Special Event policies come to the pictures and defend them as well.

Factors Affecting Rates and Prices

The main determinants of price of insurance are:

1. Nature of Activities. Insuring an event with athletic or sport activities will cost more than another event for a wedding, for example.

2. Length of The Event. A five day event is more expensive than a one day event.

3. Number of Attendants. The more people attending the event the more premiums people have to pay for the insurance.

4. Consumption of Alcohol. If attendants consume alcohol during the even then additional coverage will be necessary. That coverage is called 'Dram Shop' or liquor liability insurance.


Need a fast free one day, special event quote? Feel free to call us at 708 233-4848

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