Special Event Coverage Q&A

Special Event Liability Insurance (also referred to as CGL, Commercial General Liability) provides protection for situations in which an event holder, exhibitor, concessionaire or vendor must defend itself against lawsuits or pay damages for bodily injury or property damage to third parties. Host Liquor Liability coverage is included. This policy may also provide protection to the venue by the attachment of an Additional Insured endorsement, when required.

With RVNA Event Insurance, several optional coverages are available including:
• General Liability (Bodily Injury/Property Damage)
• Care, Custody or Control Liability (Third Party Property Damage)($2,500 Deductible)
• Collapse of Temporary Structure Liability
• Contractual Liability
• Damage to Premises (Fire Legal Liability)
• Hired and Non-Owned Auto Liability
• Liquor Liability
• Medical Payments
• Terrorism
• Third Party Property Damage (Care, Custody or Control Liability)($2,500 Deductible)
• Waiver of Subrogation

We insure hundreds of event types, both private and public. When you complete an online quote you will select your event type. If your event is not listed then please contact our office directly at 1-800-364-2433.

View a quick list of eligible event types

The event holder is the person, organization or entity responsible for the organization and promotion of the special event and typically the signer of the Facility Use Agreement.

Various Policy limits are available including $1 million per occurrence/$2 million annual aggregate Quote Online to view all options and pricing and then purchase instantly.

Coverages available under Event Liability Insurance include:
• General Liability (Bodily Injury/Property Damage)
• Care, Custody or Control Liability (Third Party Property Damage)($2,500 Deductible)
• Collapse of Temporary Structure Liability
• Contractual Liability
• Damage to Premises (Fire Legal Liability)
• Hired and Non-Owned Auto Liability
• Liquor Liability
• Medical Payments
• Terrorism
• Third Party Property Damage (Care, Custody or Control Liability)($2,500 Deductible)
• Waiver of Subrogation

The RVNA Event Liability Insurance policy protects the person, organization or entity who purchased the policy (Named Insured). The facility or venue can also be added as an Additional Insured, when required.

To protect against alcohol-related accidents, your policy includes Host Liquor Liability. For an additional premium, you can purchase Liquor Liability for covered events that sell alcohol or product/service packages that include alcohol. If you have any questions, contact our office directly at 1-800-364-2433.

Host Liquor Liability coverage is included within the RVNA Event Liability Insurance policy, which provides legal liability protection for the event holder, concessionaire, exhibitor or vendor against bodily injury or property damage suits brought by parties injured as a result of an intoxicated guest who was served alcohol at an event you hosted. Host liquor liability only protects you if no money changes hands for the sale of alcohol or a product/service package that includes alcohol. If you sell alcohol or a product/service that includes alcohol, make sure to purchase the Liquor Liability coverage option.

Liquor Liability is an optional coverage you can purchase if you sell alcohol at your event. It is also needed if you are selling a product or service package that includes alcohol. This type of Liability Insurance provides coverage for bodily injury or property damage for which you may be held liable by reason of: causing or contributing to the intoxication of any person, or violating any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.

A Vendor, Exhibitor or Concessionaire is a person or firm that operates a business within the premises belonging to another under a concession, usually as the seller of certain goods or services during a short duration special event such as a carnival, convention, concert or flea market. An example of a concessionaire would be a jewelry concession, a food concession or an artwork concession.