Founded in 1864. An employee-owned company.

Special Event Liability Insurance

Sometimes things happen

Contact Us: Leigh Coomes
Special Events Specialist
518-943-3900, x1036
Get a Quote

Event planning is a big task, and no matter how thoroughly you plan and prepare, something can always happen. Even the best laid plans can fall apart when an unexpected situation arises. Whether you're organizing a family, business or community event, we want to help. We offer Special Event Insurance coverage for short-term event organizers and exhibitors or annual coverage for event organizers and exhibitors.

Click here to get started - Quote, select and bind coverage online!

How are you covered?

  • Special Event Liability provides protection for third party bodily injury and property damage arising out of an event. Whether someone falls and gets hurt, or there is damage to someone else's property, this coverage will provide protection by assuming the risk of legal claims brought by a third party. Our standard General Liability policy also provides Host Liquor. Host Liquor applies when applicant is having alcohol at an event but not charging.

  • Liquor Liability provides coverage for potential claims that may arise out of the serving of alcohol at an event. Liquor Liability is required if you are charging for alcohol, require a liquor license or in the business of selling alcohol.

  • Non-Owned/Hired Auto Liability

  • Inland Marine provides coverage for the replacement value of rented equipment by the insured if damage were to occur while under the insured's control.

  • Excess Spectator/Participant/Volunteer Medical Coverage provides coverage for when a spectator/participant/volunteer injures themselves at an event and only needs their medical expenses covered. The policy acts as an excess policy over a person's primary insurance, but acts as primary insurance if no other coverage is in place.

Available Limits

  • General Liability - $1 million/$2 million
  • Liquor Liability - $1 million/$2 million
  • Non-Owned/Hired Auto Liability- $1 million
  • Inland Marine - varies by value of equipment rented
  • Excess Spectator/Participant medical - $5,000 / $50,000
  • Excess Volunteers medical - $50,000 / $250,000

Excess Limits 

  • General Liability, Liquor Liability, NOHA - $10,000,000
  • Excess Volunteers - $100,000 per occurrence/$500,000 Aggregate

Note on Liquor Liability: If you are having alcohol at your event, but are not charging, coverage is automatically included (i.e. Host Liquor is included) and there is no need to select Liquor coverage when obtaining a quote. Select Liquor coverage ONLY if you are charging for alcohol, require a liquor license or in the business of selling alcohol.

Total Event Coverage Quotes: Insurance Carrier has an A.M. Best Financial Tating of A+ (Superior)


Specializing in Weddings, Receptions, Sporting Events, Marathons, Animal Shows, Arts & Crafts Fesitvals, Beauty Pageants, Fashion Shows, Concerts, Conventions, Dances, Exhibitions, Fairs & Festivals, Fundraisers, Graduations, Luncheons & Picnics, Meetings, Parties, Religious Ceremonies, Road Races (Bicycles / Running), Seminars, and much more!

Special Event insurance coverage for short-term event organizers and exhibitors or annual coverage for event organizers and exhibitors is also available.


Event Cancellation Insurance protects your revenue or expenses from an event against cancellation due to circumstances beyond your control. These circumstances can include, but are not limited to, hurricanes, earthquakes, severe/adverse weather, terrorism, labor strikes, communicable disease outbreaks, non-appearance of key people, and unavailability of the venue due to fires, floods or power outages. We can provide you with coverage for trade shows, conferences, expos, consumer shows, meetings and conventions.


Whether you are organizing a sporting event, concert, festival, wedding, or commercial production, your financial success depends on an extended period of good weather.

With the success of your venture riding on something so unpredictable, you don’t want to rely on luck alone. Our Weather Insurance program comes in to protect your revenues or expenses from adverse weather that could alter the expected results of your event.


Prize Indemnity Insurance enables you to offer a risk-free large prize for a fraction of the prize value. With prize insurance, you benefit from increased visibility, name recognition and increased sales while resting assured that you are protected from any unnecessary liability. Available coverages for online quoting including golf, hockey, basketball and football contests!