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Special Events
General Liability Insurance for Special Events
Today’s busy lifestyles are filled with social gatherings from community festivals to car shows, conventions to weddings. If you organize family, business or community events, you know how much planning and effort is involved to make the occasion both safe and special for everyone. Even with the most careful planning, unexpected situations can arise that you might not be prepared for. Lock Insurance is here to help.
Why do you need liability insurance?
Our Specialty Liability Insurance for Short-term Special Events provides important liability protection for a variety of organized events.
Each event must meet these eligibility standards:
- Total event attendance must be fewer than 12,000
- Event days must be consecutive
- The event has a maximum of 10 consecutive event days (excluding set-up/tear down)
- The event must be held at a single location
- That location must not be owned by the named insured
How are you covered?
Our short-term special event insurance features zero deductibles for liability claims. It helps protect against bodily injury and property damage claims arising from:
- Operations
- Premises
- Products and completed operations
- Advertising
- Personal injury liability
- Liquor liability
Eligible Operations
| – | After prom parties (school-sponsored event only) | – | Flea markets or swap meets |
| – | Auctions | – | Food cooking contests |
| – | Award presentations | – | Graduation ceremonies |
| – | Ball/dances | – | Job fairs |
| – | Banquets | – | Lectures/seminars/workshops |
| – | Bar mitzvah or bat mitzvah | – | Meetings |
| – | Bazaars | – | Memorial Services |
| – | Benefits | – | Pageants |
| – | Billiard events/tournaments | – | Parties |
| – | Bingo games (for charity/fundraising only) | – | Picnics (no in or on water activities) |
| – | Book signings | – | Poet or poetry readings |
| – | Card games/events (for charity/fundraising only) | – | Proms |
| – | Car/motorcycle/RV/boat shows – static display only | – | Quinceanera |
| – | Car washes (for charity/fundraising only) | – | Recitals (dance, music) |
| – | Casino events (for charity/fundraising only) | – | Religious events |
| – | Celebrations (holiday, New Year) | – | Reunions |
| – | Chamber of commerce business event/mixer | – | Sales (bake, charity, consignment, estate, garage) |
| – | Charity events | – | School band or drill team competitions |
| – | Chess events | – | School carnivals (no rides/inflatables) |
| – | Christmas caroling (single location) | – | Showers (baby, bridal, wedding) |
| – | Christmas lighting ceremony | – | Social gatherings or receptions |
| – | Concerts – other than techno/DJ, alternative, rap or hip-hop (call for approval) | – | Shows (animals-arena setting only, antique, art, baby, business, collector, consumer, |
| – | Conventions | craft, fashion, flower, garden, home, stage, wedding) | |
| – | Debuts or debutante balls | – | Speaking engagements |
| – | Dinners, luncheons or showers | – | Talent search/shows – children only |
| – | Direct selling consultant parties | – | Telethons |
| – | Easter egg hunts | – | Theatrical performances or musicals |
| – | Farmers’ markets | – | Walking tours (garden, holiday, parade of homes, historical sites) – single location |
| – | Festivals | Wedding activities (rehearsal, ceremony or reception) | |
| – | Film screenings or showings |