Special Event Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Special Event Insurance

Special events can range from a one-day corporate party to a multi-day music festival. Most venues require that your client carries liability insurance and most insurance companies have exclusions and gaps that can leave your client exposed to liability. It’s important that they carry special event insurance from Prime Insurance Company so they can be the most prepared for any situation.

If you’re an insurance producer looking to write more business and provide special event liability insurance solutions to your clients, then Prime Insurance Company is the partner for you. As a leading excess and surplus lines insurance company, Prime can provide customized insurance policies with confidence.

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure special events of all kinds all across the country! Whether your client needs a brand new policy or if they have gaps and exclusions in their current policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best insurance companies for special events. Many insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients who are organizing or hosting special events.
Examples include:

  • Corporate Events
  • Birthday Parties
  • Sporting Events
  • Weddings
  • Concerts and Music Festivals
  • Fireworks
  • Parades
  • Conventions and Trade Shows
  • Summer Festivals and Street Festivals
  • Firearm Events
  • Private Events
  • Community Events
  • And More!

Coverage Options

  • Cancellation Coverage
  • Commercial General Liability
  • Commercial Auto Coverage (available in most states)
  • Animal Liability
  • Equipment Rental Liability
  • Firearms Liability (available in most states)
  • Liquor Liability
  • Personal Liability
  • Premises Liability
  • Products Liability
  • Professional Liability (E&O)
  • Property Coverage
  • Riot and Civil Commotion Liability Coverage
  • Spectator Liability
  • Alleged Assault and Battery Liability
  • Alleged Sexual Abuse and Molestation Liability
  • Active Shooter Liability Coverage
  • Communicable Disease Liability Coverage
  • TRU Umbrella / Excess Liability
  • And More


Why Your Clients Need Special Event Insurance

There are many scenarios in which your client might need special event insurance. Here are some examples:

  •  special event insurance can help recover the financial loss if a vendor does not offer a refund when your client cancels or postpones the event
  • venues typically require your client to carry special event liability insurance so that they, the venue, are not solely responsible for everything going on at the event
  • your client’s homeowners policy will likely not provide enough coverage, if at all, if they host a special event
  • special event insurance can provide protection for non-refundable deposits, cancellation fees, third party bodily injury, third party property damage, and other liabilities
  • your client has been dropped, denied, or non-renewed by another insurance company and needs coverage from another company

Why Choose Prime Insurance Company for Special Event Insurance

Prime can write customized coverage, including the exclusions that other insurance companies have in their policies. For example. some carriers will not cover pandemics such as COVID-19. However, Prime can write communicable disease coverage as an endorsement that includes the coronavirus disease.

In addition to lack of coverage, some insurance carriers won’t cover certain events. Those events include events with paid attendance (such as a concert), events with explosives or amusement devices, and sporting events. Prime does not have such events that we consider ineligible.

In short, we are an opportunistic insurance company that speaks with the insurance producer and the insured to understand the risks and provide a solution based on that conversation.

What Can Special Event Liability Insurance Cover?

Special event liability insurance can cover a variety of individuals and businesses. Examples include:

  • indoor and outdoor events
  • public and private events
  • competitive events
  • one-day events
  • day-of-events
  • venues
  • spectators
  • volunteers
  • subcontracted providers or services (food and drink concessions, construction services, fireworks, security, etc.)
  • and more

One-Day Event Insurance and Day-Of-Event Insurance

Special event insurance is sometimes referred to as one-day event insurance, however, that does not mean this insurance is for events that last just one day. We understand that some events, such as a music festival, will last more than one day. We can provide one-day event insurance coverage for as many days as your client needs so long as they are scheduled.

Need last-minute insurance? Perhaps the insurance company dropped or canceled coverage the day before the event and now insurance is needed ASAP. Fortunately, we can write day-of-event insurance for your clients. We can provide fast quotes and flexible underwriting to get a customized policy ready to go for day one of the special event.

Examples of Special Events Insured

As an expert in specialty liability, we have insured a wide variety of special events. Take a look at some of the fun stuff we’ve covered:

  • a concert on a yacht charter for 4 hours
  • a wine company hosted an event with a skateboarder who used an e-board with rockets hooked to it that had the company’s logo
  • a local Chicago restaurant bought the infamous Bartman Ball that cost the Chicago Cubs a pennant and Prime provided a unique policy to cover the establishment’s public destruction of the ball
  • coverage for the MTV program “Road Rules”. The exciting event, held in Pucon, Chile, was a world record helicopter bungee jump into the caldera of an active volcano above a pool of molten lava
  • an extreme special event that included spectator participation for endurance tests such as fire walking

Special Event Insurance Providers and Prime Insurance Company

Looking for the best special event insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the insurance producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a long-lasting, healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you. We are a true insurance partner!

Get a Special Event Insurance Quote

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! We also require a phone call with the owner/applicant. Get started with your special event insurance quote today by clicking the “Get a Quote!” button above.


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Special event liability insurance is our expertise!

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

About Us

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see www.ambest.com for latest ratings
**The most current Financial Stability Rating® must be verified by visiting www.demotech.com.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.