Protector Plans provides short-term special events liability insurance. Planning an event for yourself or a loved one is something very special. We are committed to helping you protect your financial investments to make sure that your private event is everything it should be.
Liability Only For Special Events
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Short-Term Special Events Liability
The liability-only program provides coverage for events:
- Held at a single location
- Up to 10 (ten) consecutive event days
- Up to maximum total attendance of 15,000
- Host liquor coverage is available
General Liability Limits:
- $1,000,000 Occurrence
- $5,000,000 General Aggregate
- $1,000,000 Products-Completed Operations Aggregate
- $1,000,000 Personal and Advertising Injury
- $1,000,000 Damage to Premises Rented To You
- $5,000 Medical Payments
General Liability Notable Exclusions And Endorsements
- Asbestos Exclusion
- Lead Exclusion
- Fungi/Bacteria Exclusion
- Abuse or Molestation Exclusion
- Amusement Devices Exclusion
- Fireworks Exclusion
- Addiitonal Insured – Certificate Holders
- Products – Completed Operations Hazard Redefined
- Exclusion – Designated Products (products coverage is not provided for guns, knives, and other weapons or automobile, aircraft, and watercraft parts)
- Exclusion – Bodily Injury to Performers
- Exclusion – Bodily Injury to Athletic or Sports Participants
Eligible and Ineligible Events
Eligible Events List
- Amateur and/or Professional Association Meeting
- Anniversary Party – No Charge for Admission / Invite Only
- Anniversary Party with Cover Charge or Ticket for Admission
- Antique Show
- Association Meeting
- Auto Show – Auto Static Only
- Award Presentation
- Baby Shower
- Bake Sale
- Ballet
- Banquet
- Baptism
- Bar Mitzvah
- Bat Mitzvah
- Bazaar
- Beauty Pageant
- Belly Dancing Class
- Billiard Event
- Bingo Event
- Birthday Party – No Charge for Admission / Invite Only
- Birthday Party with Cover Charge or Ticket for Admission
- Blackjack Event
- Block Party
- Blues Music Concert
- Boat Show – Dry Dock Only
- Body Building Event
- Book Signing
- Breakfast
- Bridal Shower
- Brunch
- Brunch – Fund Raising
- Business Party – No Charge for Admission / Invite Only
- Business Party with Cover Charge or Ticket for Admission
- Business Show
- Camera Show
- Car Show – Static Only
- Card Show
- Caricature Sketching
- Caroling Event – Single location only
- Casino Show
- Chamber of Commerce Event
- Chamber of Commerce Mixer
- Charity Auction
- Charity Benefit
- Charity Dance
- Charity Sale
- Chess Event
- Choir – Performance
- Christmas Lighting
- Christmas Tree Lighting Ceremony
- Christmas Tree Lighting Decorating Event
- Church Meeting
- Church Service
- Civic Club Meeting
- Classical Dance Show
- Classical Music Concert
- Comedy Show
- Company/Corporate Retreat (not overnight)
- Computer Show
- Concert – 50’s Music
- Concert – 60’s Music
- Concert – 70’s Music
- Concert – 80’s Music
- Concert – Blues Music
- Concert – Celtic Music
- Concert – Chamber Music
- Concert – Christian
- Concert – Classical Music – Indoor
- Concert – Classical Music – Outdoor
- Concert – Country Music
- Concert – Folk Music
- Concert – Holiday Music
- Concert – Instrumental
- Concert – Jazz and Jam – Indoor
- Concert – Jazz and Jam – Outdoor
- Concert – Pop/Cover Band
- Concert – Symphony
- Consignment Sale
- Consumer Show
- Convention – Indoor
- Convention – Outdoor
- Costume Contest
- Craft Show
- Dance Recital
- Dance Show – Classical
- Debutant Ball
- Dinner
- Dinner – Fund Raising
- Disc Golf Event
- Disc Golf Tournament
- Drill Team Exhibition
- ESports (i.e. gaming) tournaments
- Easter Egg Hunt
- Educational Exhibition
- Electronics Convention
- Estate Sale
- Farmer’s Market
- Fashion Show
- Festival & Cultural Event – Outdoor (no parades)
- Festival & Fair – No Rides
- Festival; Cultural Event – Indoor
- Film Screening
- Film Shoot – No Stunt Exposure Allowed
- Film Showing
- First Communion
- Fishing Event
- Flea Market
- Flower and Garden Shows
- Frisbee Golf Event
- Frisbee Golf Tournament
- Fund Raising Breakfast
- Fund Raising Brunch
- Fund Raising Dinner
- Fund Raising Lunch
- Funeral Service
- Garden Show
- Gift Exchange
- Graduation – Social Reception / Ceremony
- Harvest Festival – No Farm Implements or Equipment
- Historical Re-Enactment No Weapons
- Holiday Event – Not Haunted – No Charge for Admission / Invite Only
- Holiday Event – Not Haunted – with Cover Charge or Ticket for Admission
- Holiday Party – Not Haunted – No Charge for Admission / Invite Only
- Holiday Party – Not Haunted – with Cover Charge or Ticket for Admission
- Home Show
- Job Fair – Indoor
- Job Fair – Outdoor
- Ladies Club Event
- Laser Tag Event – Indoor Only
- Lecture
- Luncheon
- Luncheon – Fund Raising
- Magic Show
- Math Tournament
- Memorial Service
- Menorah Lighting
- Mobile Home Show
- Monte Carlo Night
- Movie Release Party
- Music Recording In Studio Premises Only
- New Years Eve Party – No Charge for Admission / Invite Only
- Old Timer Event
- Pageant
- Party (anniversary; birthday; graduation; retirement)
- Photo Shoot
- Picnic – (No water activities)
- Ping Pong
- Play – Theatre or Theater Event
- Play Reading
- Poet or Poetry Reading
- Poker Event; Card Game
- Product Debut
- Prom or formal dance
- Quinceanera
- Recital
- Religious assembly
- Retirement Party – No Charge for Admission / Invite Only
- Retirement Party with Charge or Ticket for Admission
- Reunion – Indoor
- Reunion – Outdoor
- Rummage Sale
- School band or drill team competition
- School carnival (no rides)
- Seminar
- Show (antique; art; auto – static display; boat; business)
- Show (consumer; craft; fashion; flower; garden; home; RV; trade; vacation)
- Snooker Game
- Snooker Tournament
- Social Reception – No Charge for Admission / Invite Only – Indoor
- Social Reception – No Charge for Admission / Invite Only – Outdoor
- Social Reception with Cover Charge or Ticket for Admission
- Speaking Engagement
- Stage Plays
- Store Opening
- Story Telling
- Street Fair
- Swap meet
- Sweet 16 Party
- Symphony Concert
- Talent Show – No Rap | Hip Hop | Heavy Metal or Hard Rock Music
- Tap Dancing
- Teleconference
- Telethon
- Texas Hold ‘Em Event
- Theatrical Stage Performance
- Trade Show – Indoor
- Trade Show – Outdoor
- Truck Show – Static Only
- Union Meeting
- Vacation Show
- Video Game Contest
- Voter Registration
- Wedding
- Wedding Reception
- Wedding Rehearsal
- Wine Tasting
- Yard Sale
- Yoga Class
- Yoga Event
Ineligible Events And Activities List
- After-Hours Parties (e.g., After Prom, Graduation Night, Retirement)
- Amusement Rides, Mechanical Devices, Rock Climbing Walls, or Inflatables
- Animal Rides
- Animal Shows (e.g., Cat, Dog, Horse, Livestock Judging)
- Animals (Injury or death to, or injury , death or property damage caused by any animal)
- Cave Explorations
- Concerts
- Fairs
- Fireworks or Pyrotechnics
- Fishing Derbies
- Fraternity or Sorority Parties
- Gun Shows/Knife Shows/Shooting Events
- Haunted Houses
- Motorsports Events (including Demolition Derbies, Mud Bogs, Tractor Pulls, Races, and Stunt Shows)
- Overnight Accommodations or Camping Facilities
- Overnight Lock-ins
- Parades
- Political Rallies
- Rodeos
- Sporting Events
- Vendors and Exhibitors
- Water Activities
- Wine Tastings