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