Ideal Accounts and Appetite
This program is designed for a broad spectrum of temporary and seasonal events, whether community-based, recreational, or commercial. Eligible risks include, but are not limited to:
- Firework stands and displays
- Festivals, fairs, bazaars, and arts & crafts shows
- Concerts, dances, and exhibitions
- Bicycle and running events
- Haunted houses and pumpkin patches
- Christmas tree lots
- Corporate meetings and community shows
Whether your client is organizing a one-day event or a multi-week seasonal attraction, we can help you find the right coverage solution. This program is especially suited for events that involve large public gatherings, temporary structures, food and merchandise vendors, or live entertainment.
Coverage Highlights and Advantages
We offer Property and General Liability coverages on a monoline or package basis, with flexible options to meet the specific needs of each event.
General Liability (CGL):
- Primary limits up to $3,000,000 Occurrence/Aggregate
- Excess or Umbrella limits up to $25,000,000
- $5,000 Medical Payments included
- Liquor Liability available
- No deductible required
Property Coverages:
- Building and Contents
- Business Income
- Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value
- Equipment Breakdown and Food Spoilage
- Inland Marine, Computer Equipment, and Valuable Papers
- Accounts Receivable and Outside Signs
Crime Coverages:
- Theft of Money and Securities (Inside Premises)
- Robbery or Safe Burglary of Other Property (Inside Premises)
- Theft or Robbery (Outside Premises)
Underwriting Notes and Minimum Premiums
We work with a variety of markets to provide flexible underwriting solutions. Most markets are non-admitted, giving us the ability to tailor terms for unique or higher-risk events. The minimum premium for this program starts at $750.
Each submission is reviewed for class fit, event size, duration, and potential exposures such as alcohol service, pyrotechnics, or crowd control. We welcome agents to reach out with unique risks for consideration.
Territories and Availability
This program is currently available in the following New England states:
- Connecticut (CT)
- Maine (ME)
- Massachusetts (MA)
- New Hampshire (NH)
- Rhode Island (RI)
- Vermont (VT)
Why Work With The Distel Group?
Joseph Distel & Co. Inc. brings decades of experience in the E&S marketplace, with a strong reputation for responsiveness and deep market access. We understand the unique exposures associated with special events and work closely with retail agents to design coverage that aligns with each client's needs and risk profile.
Whether you're placing coverage for a local fall festival or a regional concert series, The Distel Group can help you deliver value and peace of mind to your insureds with fast, reliable service and competitive options.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for seasonal or short-term events such as festivals, concerts, fairs, haunted houses, and races—especially those involving crowds, vendors, or temporary setups.
Is Liquor Liability available under this program?
Yes, Liquor Liability is available for qualifying events where alcohol is served or sold, subject to underwriting review.
Are there minimum premiums I should be aware of?
Yes, the minimum premium for this program starts at $750, but actual premiums will vary based on event type, duration, size, and exposures.
Can I submit unique or unusual events for consideration?
Absolutely. We encourage agents to submit non-standard or creative event risks. Our access to E&S markets allows for flexible underwriting on unique accounts.
Which states is this program available in?
This program is currently available in CT, ME, MA, NH, RI, and VT.
Need help placing an account? Connect with a market specialist.