Events

---

Annual Events

Program Summary

Over 200 event types can be declared to the annual policy. No maximum attendance. No limitation on number of days.

Event classes include: Holiday Events, Plays, Concerts and Shows, Weddings, Festivals, Business Meetings, Parties, and many more

Eligible Events

To be eligible for Annual Events program, each scheduled event must:

1. Take place anywhere in the United States or Canada
2. Not have: Stunts, Pyrotechnics, Aircrafts, Hazardous Activities, Car Races, Precision Driving, Mechanical Amusement Devices, Private Armed Security Guards, Film Production, Live Rap/Hip-Hop music, Live Metal music

Coverages

Coverages available through the Annual Events Coverage program include:

• General Liability
• Liquor Liability
• Automobile Liability and Physical Damage
• Third Party Property Damage
• Rented Equipment, Props, Sets and Wardrobe
• Participants & Spectators Medical
• Excess Liability
• Owned Equipment (All Risk)

---

Annual Vendors & Exhibitors

Program Summary

Provides coverage on an annual basis for a vendor, exhibitor, or concessionaire at a Trade Show, Festival, Fair, and similar activities.

Coverages

Coverages available through the Annual Events Coverage program include:

• General Liability
• Liquor Liability
• Automobile Liability and Physical Damage
• Third Party Property Damage
• Rented Equipment, Props, Sets and Wardrobe
• Participants & Spectators Medical
• Excess Liability
• Owned Equipment (All Risk)

---

Event Cancellation

Program Summary

Event Cancellation provides coverage for many perils, including:

• Weather (if policy purchased 7 days in advance)
• Earthquake, Flood, Tsunami
• Terrorist act resulting in damage to the venue
• Venues deemed unusable
• Various other perils

Eligible Events

The Event Cancellation program is for events:

1. Up to 90 days in duration
2. Budgets up to 1,000,000
3. Taking place anywhere in the United States, its territories and possessions

Coverages

Coverages available under the event cancellation program include:

• Event cancellation, postponement, abandonment
• Adverse weather
• Named Storms
• Non-Appearance
• Door Registration Receipts
• Personal Property
• Earth Movement

---

Foreign Events

Program Summary

Coverages at competitive premiums for events outside of the U.S., up to 5,000 attendees per day. Both single event risks and multiple event risks (annual policies) are eligible.

Available for U.S. based insureds with events outside the U.S.

Options

	Single Event	Multiple/Annual
Description	Coverage for a single foreign event.	Annual coverage for foreign events.
Daily Attendees per Event	up to 5,000	up to 5,000
Number of Events	1	1 or more
Events must be declared in advance	Yes	Yes
Split Dates Allowed	No	No
Budget Size	All Budgets	All Budgets
Coverage Territory	Worldwide (Other than US)	Worldwide (Other than US)
Policy Term	up to 12 months	Annual
Coverage Lines	Inland Marine, Liability, Contingent Automobile	Inland Marine, Liability, Contingent Automobile

Eligible Events

To be eligible for Foreign Event Package, the Event must:

1. Not have stunts, pyrotechnics or underwater activities.
2. Not more than 5,000 attendees per day.

Coverages

Coverages available through the Foreign Production Package include:

• Rented Equipment
• Props, Sets and Wardrobe
• General Liability
• Contingent Automobile Liability
• Automobile Physical Damage

---

Promoters

Program Summary

The Promoters program insures a promoter of events such as music, festivals, shows, clubs, parties and more.

Description

Designed for those engaged in promoting events, the Promoters program is tailored for promoters with ongoing and continuous events that occur throughout the year.. This program allows for promoters of different sorts, including concert promoters, festival promoters, trade show promoters, and more. There are many classes of eligible events. The program is flexible enough to allow for sponsors, advertisers, and copromoters to be included as additional insured.

Limits are available up to 10 million for liability and 2.5 million on inland marine. The program is available to U.S. based promoters with events that occur in the U.S. and/or Canada.

Coverages

Available coverages include:

• Inland Marine: Rented Equipment, Owned Equipment, Office Contents & more
• General Liability: General liability (including increased limits)
• Automobile: Automobile Liability, Physical Damage
• Excess Liability: Total policy limits available up to 10,000,000

---

Special Event Coverage

Program Summary

Coverage for a Single Event. Over 200 types of events. No attendance maximum. Maximum event duration is 90 days.

Event classes include: Holiday Events, Plays, Concerts and Shows, Weddings, Festivals, Business Meetings, Parties, and many more.

Eligible Events

To be eligible for Special Event Coverage, the event must:

1. Duration of 90 days or less;
2. Take place anywhere in the United States or Canada;
3. Not have: Stunts, Pyrotechnics, Aircrafts, Hazardous Activies, Car Races, Precision Driving, Mechanical Amusement Devices, Private Armed Security Guards, Film Production, Live Rap/Hip-Hop music, Live Metal music

Coverages

Coverages available through the Special Event Coverage program include:

• General Liability
• Liquor Liability
• Automobile Liability and Physical Damage
• Third Party Property Damage
• Rented/Owned Equipment, Props, Sets and Wardrobe
• Participants & Spectators Medical
• Event Cancellation (Including Adverse Weather)
• Workers’ Compensation

---

Theatrical Groups

Program Summary

The Theatrical program covers touring and non-touring theatrical companies.

Description

Designed for theatrical companies, the Theatrical program provides coverage for theatrical companies either at fixed locations or those that tour. The program is flexible enough to cover any number of tours or shows during the policy term. The program may also be utlized for small shows with a single actor up to major theatrical productions.

Limits are available up to 10 million for liability. Equipment can be covered for up to 5.0 million.

The program is available to risks based in the U.S. The Theatrical program can provide worldwide coverage for equipment. Though the liability covers the U.S. and Canada, risks with foreign exposure may purchase the foreign portion of their liability needs under the Foreign Events program.

Coverages

Available coverages include:

• Inland Marine: Rented Equipment, Owned Equipment, Actor’s Equity, Office Contents & more
• General Liability: General liability (including increased limits)
• Automobile: Automobile Liability, Physical Damage
• Excess Liability: Total policy limits available up to 10,000,000

---

Touring Entertainers

Program Summary

The Touring Entertainers program covers touring musical groups, touring entertainers and performers, comedians, house bands, and baby bands.

Description

Designed for musical groups, entertainers and performers that travel and have shows on the road, the Touring Entertainer program provides a comprehensive portfolio of coverage required by such risks. The program is flexible enough to cover any number of tours or shows during the policy term.

Eligible entertainers include music of any category (other than rap/hip-hop), comedians, speakers, performers and more. The program may also be utilized for house bands, cover bands, and undiscovered bands that require an annual policy in order to perform at small venues.

Limits are available up to 10 million for liability. Equipment can be covered for up to 5.0 million. The program is available to risks based in the U.S. The Touring Entertainers program can provide worldwide coverage for equipment. Though the liability covers the U.S. and Canada, risks with foreign exposure may purchase the foreign portion of their liability needs under the Foreign Events program.

Coverages

Available coverages include:

• Inland Marine: Rented Equipment, Owned Equipment, Third Party Property Damage & more
• General Liability: General liability (including increased limits)
• Automobile: Automobile Liability, Physical Damage
• Excess Liability: Total policy limits available up to 10,000,000

---

Vendors & Exhibitors

Program Summary

Provides coverage for a vendor, exhibitor or concessionaire at a single Trade Show, Festival, Fair and similar festivities.

Program Highlights

• Coverage up to 30 days
• NO restriction for the number of attendees at an event

Coverages

Coverages available through the Annual Events Coverage program include:

• General Liability
• Liquor Liability
• Automobile Liability and Physical Damage
• Third Party Property Damage
• Rented Equipment, Props, Sets and Wardrobe
• Participants & Spectators Medical
• Excess Liability
• Owned Equipment (All Risk)

---

Venues

Program Summary

The Venue program provides coverage for the venue for the events taking place at the venue.

Description

The Venues program is designed to cover a venue for events that take place at the venue. The Venue policy does not afford coverage for the event organizer (if other than the venue), but rather for the facility where the event occurs.

The Venue policy is flexible enough to cover many types of events. Premium is based on estimated admissions and events do not have to be declared (except for rap/hip-hop concerts).

Limits are available up to 10 million for liability and 1 million on inland marine. The program is available to venues in the U.S.

Coverages

Available coverages include:

• Inland Marine: Rented Equipment, Owned Equipment, Props, Office Contents, Cast, Worldwide & more
• General Liability: General liability (including increased limits), Stunt Buyback
• Automobile: Automobile Liability, Physical Damage
• Excess Liability: Total policy limits available up to 10,000,000

---

Concert Promoters Including Hip Hop Concerts and Rap Concerts

Description

From the biggest arena known to the small city venue our insurance programs can meet budgets both big and small.  Many insurance agents that compete in the marketplace cannot provide coverage for all genres of music – Our agency can provide coverage for ALL genres.  As an innovator of production and entertainment related insurance we can fulfill almost any entertainment insurance request.  An addition to our portfolio of insurance products is our ability to insure concerts and venues for Hip Hop Artists and Rap Concerts.  Coverage can also be purchased by concert promoters as well.

Limits of Coverage Available

Our agency can provide coverage limits that excess $10,000,000 in liability coverage and $5,000,000 in property coverage.

Coverages

Type of Coverage Available: Coverage can be purchased annually or per event.

• General Liability Coverage
• Spectator Accident Coverage
• Liquor Liability Coverage
• Third Party Property Damage Coverage
• Event Cancellation
• Rain Cancellation
• Weather Cancellation
• Rented Equipment Coverage
• Excess Liability
• Workers Compensation for Concerts and Venues
• …and many more – please call us for details.

What are the Types of Events We Can Insure?