WHAT IS A SPECIAL EVENT
A special event is defined as an event, such as a wedding, anniversary party, Bar Mitzvah, fair, carnival, exhibition, fundraiser dinner, recital or other event of short duration, usually lasting ten days or less.
Another type of event, which would qualify as a special event but be held open for more than 10 days, might be a Corn Maze, Pumpkin Patch or a Christmas Tree Lot open to the public. In addition to Special Event Liability insurance, other types of special event insurance would include Event Cancellation, Hole In One and Prize Indemnification insurance.
MANY RENTAL FACILITIES REQUIRE LIABILITY INSURANCE
As the event holder, you will probably be required to provide proof of liability insurance to the facility where you are holding your event. The facility may even require that they be named as an Additional Insured on this liability insurance policy before you will be allowed to hold your special event. Check the Insurance Requirement section of the Facility Rental/Use Agreement.
PROTECTION FOR YOU IF YOU’RE HELD LIABLE FOR PROPERTY DAMAGE OR BODILY INJURY
As the event holder, you can be liable for injuries to attendees who slip and fall, come down with food poisoning or other injuries. In addition, the facility may require a certain amount of coverage for any damage to the rented property. Check the Insurance Requirement section of the Facility Rental/Use Agreement and the Insurance Requirements for other property you may be renting from additional vendors.