Special Event Liability Insurance
“Special Event Liability Insurance” is available to organizations who sponsor or participate in one-time or annual fundraising, social or recreational activities. These events can be as simple as a company picnic or as extreme as a Rap/Hip Hop Concert. This insurance may be added to your organization’s annual general liability policy, or may need to be purchased separately, depending on your existing coverage and the nature of your event.
Special Event Insurance is intended to cover unforeseen accidents. For example:
A cultural dance group invites its members to a performance in a public park’s outdoor auditorium. The steps to the auditorium have been washed clean by eager volunteers prior to the performance. The concrete is still wet and slippery. An elderly patron slips on the step and falls, breaking his hip. The claim to the organization is very costly, and the man is severely injured.
A nonprofit holds an annual health fair in a parking lot, inviting other nonprofit's to come pass out their literature to 5000 fair attendees. Temporary booths are set up, one serving hot coffee and bagels for the guests. While a booth volunteer is speaking with a guest, a small child bumps the table and a 32-cup coffee maker spills, scalding the child.
In addition to traditional risks of bodily injury, there are also issues arising from the use of food service or catering (food spoilage, contamination), alcohol service (intoxicated/ underage patrons), entertainment (damaging property to rented premise), transportation and parking (valet coverage), and special needs (catering to patrons with disabilities).
It is important to properly plan for such an event. For more information on insurance for your event, please call us at 714-436-6400 or email email@example.com
Schweickert & Company
15 Peters Canyon Road
Irvine, CA 92606
800-748-6293 • 714-436-6400
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