Performers, Speakers, Vendors, Exhibitors Liability

How do I apply for a quote?

Apply Online

How long does it take to get a quote?

• If the event and the scope of your work fits within the automated underwriting criteria, the quote will be released instantaneously.
• When criteria are not met for the automated system and all necessary information has been provided, in some cases, a quote may be provided in two to three business days of application submission.

How far in advance should I submit an application?

As a general best practice, we recommend

• 1-2 weeks prior to the event for low-risk events, and
• 6-8 weeks prior to the event for high-risk events.

Binding, payment, and any outstanding information must be received prior to the start of the event.

Applications submitted closer to the event start date will be quoted and delivered in as timely manner as possible.

Eligible Applicants and Coverage Duration Options

Short-term Event Coverage

• Event Organizers/Promoters
• Exhibitors/Vendors
• Performers/Bands/Speakers

Annual Coverage

• Event Organizers/Planners
• Exhibitors/Vendors
• Performers/Bands/Speakers

General Liability (GL) & Other Coverage Options

General Liability

• Spectator GL Limits: $1M/$2M and $2M/$2M to $10M/$10M

Excess Accident Medical Coverage

• Spectators: $5,000 limits available
• Must be issued in combination with Spectator GL.
• Stand-alone policies are not available.

Additional Insureds

• One time charge of $100
• Can include all necessary Additional Insureds, as required by contract.
• Contract must be submitted for review.

Waiver of subrogation

• $100 charge

Rented Equipment (typically purchased for higher valued items)

• A supplemental application is required
• The equipment’s value determines the cost
• Minimum premium is $150.
• The standard deductible is $2,500.

Damage to Premises Rented to You

• Limits: $300,000 or $1,000,000

Examples of acceptable events include, but are not limited to:

• Fairs and Festivals
• Beauty Pageants / Fashion Shows
• Concerts
• Graduations / Receptions / Weddings
• Conventions / Meetings / Tradeshows / Consumer Shows
• Fundraisers
• Dances
• Sporting Events

Standard Exclusions on the Special Event Liability Form include:

• Medical Payments (additional accident medical coverage is available for spectators and participants)
• Described Hazards
• Securities and Financial Interests
• Collapse of Temporary Structures
• Attendance Limitation Endorsement
• Athletic or Sports Participants (except when endorsed to add coverage back to the policy)
• Abuse and Molestation
• Stunt Exclusion
• Exclusion of Performers
• Field of Entertainment Exclusion
• Pollution – Nuclear & Asbestos
• Employment Related Practices
• Fireworks/Pyrotechnics
• Fungus
• Assault and Battery

Top-rated Carriers

• Admitted paper with New Hampshire Insurance Company.
• Non-admitted paper with Houston Casualty Company and Lexington Insurance Company.