Low Hazard Special Events Insurance Program

General Liability Insurance for Small, Short Term Events

Host Liquor Included

(Upon completing the application, you will be given the opportunity to save your quote or purchase the insurance.)

The Liability Insurance

Coverage is limited to events meeting the following conditions:

  • Events must be less than 5 consecutive days.
  • Number of attendees per day must be 500 or less.
  • Event may only have one location.


(Protects you in the event of a lawsuit or property damage)

Who is Covered

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims.

Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.

Coverage includes suits arising out of:

  • Injury or death of spectators
  • Injury or death of volunteers
  • Property damage liability
  • Incidental medical malpractice
  • All activities related to the event
  • Ownership, use or maintenance of facilities
  • General negligence claims
  • Cost of investigation and defense of claims, even if groundless
  • Corporal Punishment
  • Host liquor liability
  • Professional liability (involves specialized education, knowledge, labor, judgement and skill that is predominately mental or intellectual)
  • Additional Insured parties may be added at no charge.

Premium Rates

Premium rates begin at*:

  • $1,000,000 General Aggregate: $120.00 Premium + $145.00 Administrative Fee = $265.00 Total
  • $2,000,000 General Aggregate: $126.00 Premium + $145.00 Administrative Fee = $271.00 Total
  • $3,000,000 General Aggregate: $132.00 Premium + $145.00 Administrative Fee = $277.00 Total
  • $4,000,000 General Aggregate: $138.00 Premium + $145.00 Administrative Fee = $283.00 Total
  • $5,000,000 General Aggregate: $144.00 Premium + $145.00 Administrative Fee = $289.00 Total

*Note: Higher premiums may apply in select coverage states.

Please note that a 3% Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL.

The Optional Coverages

Hired and Non-Owned Automobile Liability Coverage

This liability coverage provides protection for rented, borrowed and other non-owned vehicles operating during the policyholder’s special event.

Excess Liability Coverage

This coverage provides additional liability limits increasing the liability coverage per each occurrence.

Increased Aggregates

This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.

$10,000 Medical Expense Benefit

This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.

Abuse or Molestation

Liability coverage is provided for claims arising out of alleged abuse or molestation as well as alleged physical and non-physical abuse (verbal, mental or emotional abuse).


The General Liability and Accident coverage are provided by Great American Insurance Company (Admitted) (A+ Superior XV A.M. Best)