Special Event Liability Insurance

Special Event Liability Insurance from Spectrum provides you with event insurance protection for third party bodily injury and property damage arising out of an event. Whether someone falls and gets hurt, or damage is done to someone else’s property, we can provide protection by assuming the risk of legal claims brought by a third party.

Our Special Event Liability program is fast, responsive and competitive. We can cover a variety of events such as mobile marketing tours, product sampling events, sporting events, fairs, festivals, concerts fundraisers, weddings, parties, receptions, and consumer trade shows, just to name a few. Spectrum will work with you to develop a Special Event Liability insurance policy to meet your needs. And now, online quoting and binding is quick and easy with our new Total Events System!

Through a simple process, you can do everything from completing applications and obtaining a quote, to making payment and downloading policies, all within minutes!

Event Liability Insurance

Special Event Liability Insurance


  • Each Occurrence = $1,000,000
  • General Aggregate = $2,000,000
  • Products / Completed Operations = $1,000,000
  • Personal & Advertising Injury = $1,000,000
  • Damage to Premises Rented = $300,000

Additional limits are avaiable.

Both annual and short-term policies are available for:

  • Fairs and Festivals
  • Concerts
  • Meeting Planners
  • Event Planners/Organizers
  • Tradeshow Organizers
  • Exhibitors
  • Road Races (running / biking)
  • Marketing Agencies
  • Special Events

Minimum premiums are as low as $109 which includes a blanket additional insured policy, host liquor coverage, and accident medical coverage.

Other optional coverages include:

  • Excess up to $10 Million
  • Non-Owned Hired Auto
  • Liquor Liability
  • Inland Marine

Short-term or annual policies can be purchased online for event planners/organizers or exhibitors through our Total Events System.

Still have questions? Please contact us anytime!
We look forward to hearing from you.

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