This insurance program has been specifically designed for the organizers of short term Non-Sports Special Events
Commercial general liability coverage protects the insured against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations, personal and advertising injury. No deductible applies to liability claims.
| Auctions | Award Presentations | Banquets / luncheons | Bar mitzvah / bat mitzvah |
| Bazaars | Bingo Games | Car shows - auto static only | Charity auctions / benefits / dances / sales |
| Concerts* | Conventions | Debuts | Debutante balls |
| Festivals | Flea Markets | Fund raising events | Graduations |
| Job Fairs | Lectures | Meetings (business / civic / evangelistic) | Pageants |
| Phone-a-thons | Picnics (no pool or lake activities) | Poetry Readings | Political campaign rallies |
| Proms | Quinceanera | Recitals | Religious assemblies |
| Reunions | Rummage sales | School band / drill team competitions | School carnivals (no rides) |
| Scouting Jamborees | Seminars | Shows** | Social gatherings / receptions |
| Swap meets | Stage shows | Speaking Engagements | Theatrical performances / musicals |
| Weddings and receptions |
* call for approval (no rock, rap, or hip-hop)
** animal/horse/livestock judging, antique, art, auto-static display, boat, business, consumer, craft, fashion, flower, garden, home, rv, trade, vacation
| COVERAGE | BASIC PLAN LIMITS |
PREMIERE PLAN LIMITS |
|---|---|---|
| Each Occurance | $1,000,000 | $2,000,000 |
| General Aggregate (other than Products-completed Operations) | $2,000,000 | $2,000,000 |
| Persoanl and Advertising Injury | $1,000,000 | $2,000,000 |
| Medical Expense (other than participants) | $5,000 | $5,000 |
| Damage to premises rented to you | $300,000 | $300,000 |
Notable Program Exclusions:
Abuse/Molestation, Aircraft/hot air ballon, Airport, Amusement devices including but not limited to any mechanical or non-mechanical ride, slide, water slide, pony rides, moonwalk or moon bounce, bungee
(does not include video arcade or computer game), Animals (injury or death to any animal), Asbestos, Claims arising out of the operations of concessionaires, exhibitors and vendors, Employment-related prcatices,
Fireworks, Fungi or bacteria, Lead, Motorized vehicle/motorcycle/watercraft/powerboat practicing for, qualifying for or testing for any racing speed, demolition or stunning activity, Nuclear energy, Performers, Rodeo Activity.
Designated Operations exclusion - those events listed as ineligible.
