YOU ARE VULNERABLE TO SUITS ALLEGING “PROPERTY DAMAGE,” “BODILY INJURY” OR “MEDICAL PAYMENTS” CAUSED BY THE NEGLIGENT OPERATIONS OR ACTIVITIES AT YOUR SPECIAL EVENT.

• If someone trips and falls at your affair, there is the potential you may be facing a significant lawsuit due to their injuries.
• Property damage to the venues is the most common type of claim we see on special events.
• One or several attendees could suffer from serious food poisoning and you may be responsible for their medical expenses.

DEPENDING ON THE LAWS IN YOUR STATE, YOU MAY BE HELD LIABLE FOR THE ACTIONS OF INTOXICATED OR UNDERAGE PERSONS YOU SERVED AT YOUR SPECIAL EVENT

• The negligent service to an intoxicated or underage person can produce substantial verdicts or settlements.
• Underage drinkers make up a significant portion of alcohol-related traffic crashes.
• You may also be held responsible for the actions of those selling/serving alcohol for you.
• Even if you are ultimately cleared of liability, it may cost thousands of dollars to defend a claim.

Special Event Product Claim Examples

• General Liability: Claimant attended a golf tournament and tripped over a sprinkler head. She suffered a fractured knee cap, and needed reconstructive surgery. Medical bills totaled
  $10,000.
• General Liability: Insured was holding a basketball tournament at a YMCA. During the game the gymnasium floor was damaged. Property owner held the insured liable
  for the property damages totaling $10,200.
• General Liability: Insured held a theater performance at a local high school auditorium. Fake blood was used for a special effect, and the fake blood damaged the curtains in
  the auditorium. The property owner of the facility is suing the insured for the damage to the curtains totaling $7,500.
• 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 his car, lost control of
  his vehicle and struck a telephone pole. He suffered severe facial lacerations. The attendee is suing the event sponsor and the beer vendor for illegal service to a minor to cover his
  medical bills totaling $150,000.
• 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 driver of the truck suffered severe injuries. The driver brought suit against the host of the party for negligence in serving the intoxicated guest. The driver’s injuries total $300,000.