Special Events - Heald Insurance

Special Events Insurance

 

Heald Insurance - Your Special Events Insurance Experts



 
 
 Special Events InsuranceWhen planning an “event to remember,” it’s easy to forget that unfortunate things can happen that

are beyond your control – such as extreme weather, accidents and no-show vendors. When these mishaps occur, they can threaten the financial investment you’ve made in your special event.

 

General Liability

 
  • Primary Limits up to $3,000,000 Occurrence/Aggregate
  • Medical Payments Coverage - $5,000 Limit - Included

Deductible:

  • No Deductible Required
 

Property

 
  • Basic, Broad or Special Form
  • Replacement Cost or ACV
  • Building
  • Contents
  • Business Income
  • Equipment Breakdown
  • Accounts Receivable
  • Computer Equipment
  • Contractor's Equipment
  • Outside Signs
  • Valuable papers
  • Food Spoilage
 

Crime

 
  • Inside the Premises - Theft of Money and Securities
  • Outside the Premises

Let the Heald Insurance, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Special Events Insurance policy holders.

Check out what we can do in these event examples:
Special Event Liability Coverage Examples - Program I
Acceptable Special Events Ineligible Risks (Prohibited)
  • Animal Shows - Cat/Dog+
  • Antique Auto Shows+
  • Art Shows+
  • Athletic Events (including Bike-a-thons, Bike Races, Golf and Tennis Tournaments, Walk-a-thons, and similar events)
  • Auctions
  • Bake sales
  • Banquets
  • Bazaars
  • Beauty Pageants
  • Bike-a-thons/Bike Races
  • Bingo Nights+
  • Boat Shows - Indoor+
  • Booths at Fairs
  • Charity Balls
  • Choir Performances
  • Christmas Tree Sales
  • Church Dinners+
  • Corn Roasts+
  • Craft Fair/Show+
  • Dance Recitals
  • Educational Seminars
  • Exhibitions - Indoor
  • Fashion Shows
  • Flea Markets+
  • Flower Shows+
  • Fund Raising Dinners
  • Garage Sales+
  • Garden Parties+
  • Garden Tours+
  • Golf Tournaments+
  • Historical Home Tours+
  • Hobby Shows+
  • Music Recitals & Concerts (Other than Rock or Rap)
  • Pancake Feeds+
  • Parades
  • Picnics+
  • Public Lectures
  • Races (Bike, Run, Walk)
  • Refreshment Stands-Fairs
  • Rummage Sales+
  • Scout Jamborees
  • Senior Citizen Functions
  • Square Dance Contests
  • Student Car Washes+
  • Talent Shows
  • Telethons
  • Tennis Tournaments
  • Theatre Shows
  • Trade Shows
  • Walk-a-thons+
  • Wedding Receptions
  • "Hole In One” or similar prize coverage
  • Air Shows (including model and radio-controlled aircraft)
  • Airplane & Helicopter Rides
  • Amusement Rides
  • Animal Rides (Pony Rides are binding authority)
  • Automobile Races
  • Balloon Rides
  • Boat Races
  • Circuses
  • Demolition Derby
  • Firearms Exposures
  • Fireworks
  • Go-Kart Tracks
  • Haunted Houses
  • Motorcycle Races
  • Participants Coverage for athletic events
  • Protest Rallies (Political, Religious, etc.)
  • Rap or Rock Concerts
  • Rodeos
  • Snowmobile Races
  • Sports Camps or Clinics
  • Tractor Pulls (Exception: Farm vehicle tractor pulls as part of a fair, etc. are within your binding authority)
  • Similar events involving animals, vehicles, dangerous stunts, unruly crowds, firearms, fireworks, etc. 
 
 
Special Event Liiability Coverage Examples - Program II
Acceptable Special Events Ineligible Risks (Prohibited)
  • Anniversary Receptions
  • Auctions
  • Automobile Shows
  • Baseball Camps
  • Baseball Tournaments
  • Basketball Camps
  • Bazaars
  • Beauty Pageants
  • Boat Shows (with no water exposure)
  • Bingo Games
  • Booths
  • Circus
  • Concerts – (Country, Reggae & Light Rock)
  • Concession stands
  • Conventions
  • Craft Fairs
  • Dog & Cat Shows
  • Exhibitions
  • Fairs
  • Festivals
  • Flea Markets
  • Golf Tournaments
  • Horse Shows
  • Parades
  • Picnics
  • Pig Roasts
  • Run-a-Thons
  • Surfing
  • Wedding Receptions
  • Wrestling
  • Yard Sales
  • Zoos
  • Air Shows
  • Amusement Devices/Rides
  • Amusement Parks
  • Animal Rides
  • Athletic Participants
  • Balloon Rides
  • Boat Shows (with water exposure)
  • Bungee Jumping
  • Concerts – (Hard Rock, Heavy Metal, RAVES,
  • Punk & Hip Hop)
  • Demolition Contractors, Derbies
  • Firearms Demonstrations
  • Giant Slides
  • Motorized Racing
  • Parachute Jumping
  • Political Conventions, Rallies
  • Pyro-Technicians
  • Slides
  • Snowmobiles
  • Snow Skiing
  • Tractor Pulls
  • Trampoline Events
  • White Water Rafting

This is Partial List of Examples that are Acceptable and Unacceptable for Special Event Liability Coverage.  Every application is subject to underwriting and acceptability by each insurance carrier.  Use this list as a partial guide.  If you have a unique event, please contact us with a detailed description to determine acceptability.

Call us TODAY to get a QUOTE for your next big SPECIAL EVENT you have planned.

(408) 265-5200 or (916) 773-4300