Special Event Promoter Insurance Policy

It is essential that your entertainment business be protected with an insurance policy specifically designed for your operations.   Event promoters and managers are unique and can't be insured like other businesses.  In order to meet these special needs, we have designed an insurance package that broadens and increases coverage where event managers, promoters and producers need it most.  Our goal is to provide more for the insurance dollar than any of our competitors.  

Our Preferred Event Promoter package program provides many forms of coverage that are not found in standard coverage forms.  Additionally, the limits for many standard coverage parts have been increased substantially.  Coverage can be custom designed to meet the particular needs of your operation.

Some coverage highlights and enhancements include:

Property

	Full Replacement Cost Property Coverage  - Special perils on buildings, business personal property, loss of income and extra expense.
	Comprehensive Package Policy - All property coverage in one policy including Crime, equipment breakdown, inland marine.
	Property Off Premises - $50,000 coverage for business personal property off premises
	Property In Transit - $5,000 coverage for business personal property in transit
	Business Income & Extra Expense - $100,000 coverage for business interruption expense.
	Computer & Electronic Equipment Coverage – No separate form needed for computer property.
	Valuable Papers – $25,000 coverage for the reconstruction or restoration of valuable papers.
	Fine Arts – $25,000 coverage for fine arts
	Employee Dishonesty – $25,000 coverage for acts of employee dishonesty
	Corporate Image Restoration - $25,000 coverage for expenses incurred to restore the Named Insured's reputation arising out of Improper Acts by any natural person.
	Temporary Meeting Space coverage - $25,000 reimbursement for rental of temporary meeting space which is necessitated by the failure of Insured's primary climate control system.
	Business Travel - $25,000 coverage for business travel ADB to the Named Insured if a director or officer suffers an injury while traveling on a common carrier for business.
	Identity Theft Expense - $25,000 reimbursement for any director or office who becomes a victim of identity theft.
	Keyman Replacement Expense - $50,000 coverage for the CEO or Executive Director who suffers an injury resulting in loss of life.
	Kidnap coverage - $50,000 coverage for reasonable fees incurred due to the kidnapping of any Officer, Director, their spouse, domestic partner, parent or child.

Comprehensive General Liability

	Full Occurrence CGL Liability Form
	Premises Liability
	Personal Injury & Advertising Injury Coverage
	Blanket Contractual
	Independent Contractors
	Products & Completed Operations Coverage
	Host Liquor Legal Liability
	Premise Rented To You – $100,000 property damage coverage for premises rented to you.
	Additional Insured – If a written contract requires you to name someone else as an additional insured on your policy, we can automatically extend that status to them.
	Special Event Reporting Form – Coverage may extend to special events you manage, promote or produce.
	Extended Coverage for Newly Acquired Organizations – coverage is afforded for up to 180 days or until the end of the policy period.

Optional Coverage

	Dram Shop Liquor Liability – your business may be eligible for liquor liability coverage. Availability varies by state.
	Automobile
	Boiler & Machinery
	Event Cancellation & Non-Appearance Insurance
	Weather Insurance
	Directors & Officers Errors & Omissions
	Employee Benefit Liability – provides coverage for financial losses relating to private employee benefit programs due to administrators' errors and omissions.
	Workers Compensation
	Umbrella

• For both tenants and building owners, where buildings are 50 years or older, the plumbing, heating, wiring, and roof must have been renewed in the past 20 years.
• There are no current cited violations of fire or life safety codes
• The business must have favorable loss experience.

Additional policies to consider

• Auto
• Boiler & Machinery
• Umbrella
• Workers Compensation