Large crowd at concert with hands in the air

Event

Gateway Specialty Insurance has top-rated markets to quote package or monoline insurance for a special event. Events can range from concerts, festivals, fairs, fundraisers, parades, parties, weddings and more. We are able to offer general liability, liquor liability and event and weather cancellation.

Alyssa Zacckey headshot

Email Alyssa Zacckey →
Assistant Vice President,
Human and Social Service Product Leader,
New Business Team Leader
877-977-4474, ext. 7023

Insurance policy highlights can include:

  • No general liability deductible
  • Full liquor liability limits or host liquor available
  • Coverage for up to 20,000 attendees per day
  • Blanket additional insured
  • Limits up to $5 million in certain states
Coverages can include:
  • General liability
  • Property
  • Liquor liability
  • Event cancellation
  • Weather guard
Additional coverages available:
  • Prize indemnification
  • Non-appearance
  • Medical payments
  • Damage to rented premises
  • Blanket additional insured
  • Primary and non-contributory wording
  • Waiver of subrogation wording 

Markets

Claim Examples

General Liability

A pedestrian was struck by a motorcycle where the insured event sponsor was directing traffic. She suffered torn ligaments and tendons in her ankle along with back injuries.

Property

A DJ setting up for a party was carrying his equipment into the ballroom. Accidentally dragging the large speakers across the dance floor, the DJ scratched the floors, causing damage that had to be repaired.

Liquor Liability

A minor attendee was served alcohol at a brew festival sponsored by the insured. After leaving the festival, the underage attendee got into the car, lost control of his vehicle and struck a telephone pole. He suffered severe facial lacerations. The attendee sued the event sponsor and the beer vendor for illegal service to a minor to $150,000 in bills.

Host Liquor Liability

An attendee was drinking heavily at a holiday party hosted by the insured. While driving home, the attendee lost control of her vehicle and hit a tractor trailer head on. The tractor driver suffered severe injuries and brought suit against the host of the party for negligence in serving the intoxicated guest.

Event Cancellation

A major golf tournament is contracted to pay back TV revenues due to the event’s final day being moved to Monday. The tournament wants to ensure that in the event of cancellation, they will be made whole. Through an event cancelation policy the organizer is able to manage their risk against potential losses due to an unforeseen weather event or access issues to the venue, among other perils outside of their control that could result in the necessary cancellation, abandonment or disruption of their event.

Weather Guard

A film director requires at least eight rain-free hours, either consecutively or non-consecutively, to shoot an outdoor scene. If there are less than eight rain-free hours, a considerable expense will be incurred to reschedule the shoot to an alternate date. Weather Guard can insure the day’s shoot and cover the rescheduling costs should weather conditions create a claim.