Do you have a special event that you need coverage on?

General Liability / Spectator Liability

Often referred to as CGL, or spectator liability this policy provides broad protection for situations in which a business (i.e. your special event) must defend itself against lawsuits or pay damages for personal injury or property damage to third parties.  This policy also gives protection to the venue and or sponsors of the event by adding them to the policy as an additional insured.

Umbrella Excess Liability:

This type of liability insurance provides coverage over a single underlying policy, or several different underlying policies. The limits provided by this policy will not respond to the loss until after some specified underlying policies limits are spent, exhausted, or otherwise not available. If underlying limits are not available, and the coverage is not excluded from the Excess/Umbrella coverage, this policy will respond as primary.

Liquor Liability:  

This type of liability insurance provides coverage for bodily injury or property damage for which you may be held liable by reason of:  Causing or contributing to the intoxication of any person; Furnishing alcoholic beverages to a person under legal drinking age or under the influence of alcohol; or Violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages. This coverage only applies if you are involved in the following activities: Manufacturing, selling, or distributing alcoholic beverages;  Serving or furnishing alcoholic beverages for a charge, whether or not such activity requires a license or is for the purpose of financial gain or livelihood; or or Serving or furnishing alcoholic beverages without a charge, if a license is required for such activity. Most concerts this coverage is picked up by the venue or an outside vendor and they should provide this coverage for you

Non Owned & Hired Auto Coverage

This coverage is used to protect against claims arising out of the use of vehicles leased, hired, rented or borrowed by you, or your employees, while in the course of business Non-Owned Automobile Liability
This coverage is used to provide liability protection for autos used in your business that are not owned, leased, hired, rented or borrowed. This includes autos of employees and subcontractors that are used on your behalf.

Equipment Coverage

Coverage for rented or owned equipment from theft or damage

Typical Policy Features
$1,000,000 / $1,000,000 Spectator Liability policy limit
$2,000,000 Aggregate Option
$500 Deductible
Sites/Locations Named as Additional Insured
Policy Applies from Set-up to Take-down
Product Liability (Food & Merchandising)

Coverage Included
Bodily injury and property damage
Personal injury
Advertising injury
Medical payments
Products/Completed operations
----Coverage is limited to specific activities and/or locations
Coverage is limited to specific products

Optional Coverage
Non Owned & Hired Auto
Liquor Liability (Restaurant Insurance)
Excess Liability limits to 5,000,000

Email:  Wendall@TexasInsurance.biz   24-hours a day

Phone  (888)221-2640    Direct  (817)232-1580