Low Hazard Special Events Insurance

General Liability Insurance for Small, Short-Term Events

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The Liability Insurance

Coverage is limited to events meeting the following conditions:

  • Events must be less than five consecutive days.
  • The maximum number of attendees must be less than 500 per day.
  • The event may only have one location.

Covered Event Types:
After Prom Parties, Auctions, Award Presentations, Balls/Dances, Banquets, Bar Mitzvah or Bat Mitzvah, Bazaars, Benefits, Billiard Events/Tournaments, Bingo Games, Birthday Parties, Book Fairs/Book Readings, Book Signings, Car Washes, Card Games/Events, Casino Events, Chamber of Commerce Events/Mixers, Charity Events, Chess Events, Christmas Caroling, Christmas Lighting Ceremony, Conventions, Debuts or Debutante Balls, Dinners or Luncheon, Direct Selling Consultant Parties, Easter Egg Hunts, Educational Lectures or Seminars, Farmers’ Markets, Film Screenings or Showings, Food Cooking Contests, Graduation Ceremonies, Job Fairs, Meetings, Memorial Services, Pageants, Picnics, Poet or Poetry Readings, Proms, Quinceanera, Recitals (dance, music), Religious Events, Reunions, Sales (bake, charity, consignment, estate, garage), School Band or Drill Team Competitions, School Carnivals, Shows (antique, art, baby, business, collector, consumer, craft, fashion, flower, garden home, state, wedding), Social Gatherings or Receptions, Speaing Engagements, Talent Search/Shows, Telethons, Theatrical Performances or Musicals, Trade Shows and Expos, Walking Tours (garden, holiday, home, historical site),Wedding and Wedding Receptions, Anniversary Parties, Engagement Parties, Christmas Party, Holiday Celebration, Holiday Party, New Year’s Party, New Year Celebration, Baby Shower, Wedding Shower, Bridal Shower, Graduation Party, Celebration of Life


(Protects you in the event of a lawsuit or property damage)

Who is Covered?

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims.

Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.

Coverage includes suits arising out of:

  • Injury or death of spectators
  • Injury or death of volunteers
  • Property damage liability
  • Incidental medical malpractice
  • All activities related to the event
  • Ownership, use, or maintenance of facilities
  • General negligence claims
  • Cost of investigation and defense of claims, even if groundless
  • Corporal Punishment
  • Host liquor liability

Additional Insured parties may be added at no charge.

**Exclusions for Commercial General Liability Coverage, include but are not limited to the following:
Access or Disclosure of Confidential or Personal Information and data-Related Liability – With Limited Bodily Injury Exception, Coverage C – Medical Payments, Employment Related Practices Exclusion, Fungi or Bacteria, Exclusion of Other Acts of Terrorism Committed Outside the United States; CAP on Losses from Certified Acts of Terrorism, Exclusion of Punitive Damages Related to Terrorism, Liability Arising Out of Lead, Silica or Related Dust Exclusion, Nuclear, Biological, or Chemical Exclusion, Failure to Provide Waiver and Release Sublimit, Exclusion – Organic Pathogens. All of the above are subject to the terms and conditions of the policy.

**Excluded Activities:
Horse Vaulting/Jumping, Trick/Stunt Riding, Equine Racing Exposures, Leasing of Horses, Inflatable Amusement Devices, Corn Cannon, Jumping Pillow, Pumpkin Launching Devices, Carnival Rides, Knockerball/Bubble Soccer, Bungee Devices, Fireworks Sales & Displays, Mechanical Bucking Devices: including Multi Ride Attachments, Permanent & Mobile Rock Wall Structures, Rock Climbing, Security Services Other Than Contracted Law Enforcement Officers, Trampolines, Zip Lines, Ropes Course, Tackle Football, Surfing, Zippy Pets, White Water Rafting, Water Skiing, ATV/UTV, Trackless Trains, Participants of Aerial Activities.

Premium Rates

Premium rates begin at*:

  • $1,000,000 General Aggregate: $82.50 Premium + $10.00 Administrative Fee = $92.50 Total
  • $2,000,000 General Aggregate: $86.75 Premium + $10.00 Administrative Fee = $96.75 Total
  • $3,000,000 General Aggregate: $91.00 Premium + $10.00 Administrative Fee = $101.00 Total
  • $4,000,000 General Aggregate: $95.50 Premium + $10.00 Administrative Fee = $105.50 Total
  • $5,000,000 General Aggregate: $100.25 Premium + $10.00 Administrative Fee = $110.25 Total

*Note: Higher premiums may apply in select coverage states.
Please note that a 3% Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL.

The Optional Coverages

Hired and Non-Owned Automobile Liability Coverage
This liability coverage provides protection for rented, borrowed and other non-owned vehicles operation on Policyholder special event operations during the policy term.

Excess Liability Coverage
This coverage provides additional liability limits increasing the liability coverage per each occurrence.

Increased Aggregates
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.

$5,000 Medical Expense Benefit
This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.


The General Liability and Accident coverage are provided by United States Fire Insurance Co. (Admitted) (A Excellent XIII A.M. Best)


20426 N. Main St. Cornelius, NC 28031

(704) 274-5231