Ideal Accounts and Appetite
Our program is designed for a broad range of special events, including:
- Weddings and receptions
- Corporate meetings and trade shows
- Charity fundraisers and galas
- Festivals, fairs, and parades
- Private parties and social gatherings
We can consider single-day or multi-day functions and accounts that include setup and teardown days. Liquor Liability is available for events where alcohol is served—hosted or BYOB. The program is flexible enough to handle events with rain dates and many common third-party exposures.
Coverage Highlights and Advantages
- Coverage for rain date rescheduling
- Set-up and take-down day coverage
- Defense costs outside the policy limits
- Automatic insured status for volunteers, temporary/leased workers, and committee members
- Property damage coverage for rented premises
- Food and beverage product liability coverage
These features address typical event risks—third-party injury, property damage to rented venues, and product liability from on-site food and beverage service—so you can offer clients broader protection with fewer coverage gaps.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the type, size, and complexity of the event. Underwriting evaluates attendance, venue (indoor/outdoor, public/private), alcohol service, special activities (e.g., amusement rides, pyrotechnics), security plans, and whether there are multiple insureds or vendors. Provide event date(s), location, expected attendance, alcohol plans, and a summary of activities to speed placement. Our team is available to guide you through the submission requirements and eligibility.
Territories and Availability
This program is available in CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC. Atlantic Specialty Lines places this business on a non-admitted basis through multiple excess & surplus lines carriers, giving agents flexibility to write unique or complex events that may not fit admitted markets.
Why Work With Atlantic Specialty Lines, Inc.?
As an experienced Excess & Surplus Lines Broker, Atlantic Specialty Lines combines quick turnarounds with wide market access and practical underwriting. We focus on event-based exposures and maintain strong agency relationships to help you place coverages efficiently. When you submit a risk, you’ll benefit from experienced intake support, targeted market placement, and responsive follow-up throughout binding and policy issuance.
Frequently Asked Questions
What types of events are eligible for this program?
We can place a wide variety of events, including weddings, trade shows, corporate parties, fundraisers, festivals, and private gatherings—both single-day and multi-day.
Can I get coverage for setup and teardown days?
Yes. Coverage for setup and takedown days can be included as part of the policy upon request.
Is Liquor Liability available for events where alcohol is served?
Yes. Liquor Liability is available for hosted events and BYOB situations—underwriting will review service plans and security controls.
In which states is this program available?
This Special Events Insurance program is available in CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC.
What information is needed to submit an event for a quote?
Provide event type, location, date(s), estimated attendance, alcohol service plans, and a description of special activities. The more detail you provide up front, the quicker we can assess and place the risk.
Need help placing an account? Connect with a market specialist.