Special Event Coverage can provide liability insurance coverage to respond to bodily injury or property damage caused by an accident involved in a special occasion, tournament, wedding or sporting event. These policies can provide general liability, liquor liability, hired & non-owned automobile liability for just about any occasion.
CLAIM SCENARIOS
- A minor was served alcohol at insured’s wedding reception. After leaving reception the minor got into his car, lost control of his vehicle and struck a telephone pole. Claimant suffered severe facial lacerations and sued the bride and groom and the banquet facility for illegal liquor service to minor. Policy responded and paid medical bills of $275,000
- As an event organizer, insured rents indoor sports facility to hold a concert by a famous rock artist. After the concert, the facility owner files property damage claim alleging that the precision required running tracks are bent out of shape by the weight of concert attending crowd and will have to be replaced. Estimated damages €300,000.