Special Event Insurance

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Special Event Insurance


Is your municipality hosting a parade, concert in the park, farmers market, or event with fireworks exposure? These events can create significant legal liability exposures for the municipality.

Keystone, the endorsed insurance provider of the Pennsylvania State Association of Boroughs, offers Special Event Insurance for events held on municipal property that are sponsored by the municipality or other organizations.

This program may provide coverage for special event liability. Other coverages offered include weather insurance, event cancellation, and prize promotions.

Keystone partners with Tokio Marine HCC, a leading insurer, to provide Special Event coverage for events held on municipal property that are sponsored by a private individual or sponsor organization. This program offers easy and affordable, short-term coverage for a wide variety of events. The TotalEvent Program will provide coverage for special event liability including weather insurance, event cancellation, and prize promotions.

Coverage through this website can be purchased for as low as $105, and this small investment can go a long way in protecting the individual event organizer as well as the borough. Click here to obtain a quote.


Tenant User Liability Insurance Policies (TULIP)

Do you have a building that you lease for events? Tenant user liability insurance policies (TULIP) provide coverage for individuals and groups seeking to hold events or activities on municipal property. The coverage provides the proper insurance for the lessee based on the venue or facility’s requirements and therefore holds the venue or facility harmless should an incident occur during the event.

These policies are a simple solution to ensure the venue or facility is protected, while also providing an easy and efficient solution for the event organizer to obtain the coverage that is being required of them. The fully automated, online system provides the venue/facility the ability to allow their tenants/lessees to visit their portal and obtain the required coverage for that event. The portal is also a risk management tool, so if the tenant/lessee already has the required coverage, they can upload proof of coverage online.

Five Reasons You Need Special Event Coverages

Damage to Property and Premises. Provides general liability which protects all parties involved - the planner, venue, or vendors for losses due to property damage.

Event Cancellation. Protects your revenue or expenses from an event against cancellation due to circumstances beyond your control, such as a hurricane or earthquake, severe or adverse weather, terrorism, or the unavailability of the venue due to fire, flood, or power outage.

Unpredictable Weather. Protects against adverse weather conditions that can reduce attendance and affect revenue.
 
Liquor Liability. Provides coverage for potential claims that may arise from serving alcohol at an event.
 
Prize Indemnity. Enables you to offer a risk-free large prize for a fraction of the prize value.


Are you ready to get covered? Contact Deb Janney, PSAB Director of Membership Services & Risk Management, at djanney@boroughs.org or 717-236-9526, Ext. 1025 or Danielle Baker-Papinchak at dbaker@boroughs.org or 717-236-9526, Ext. 1032.


Information provides a general overview of product and does not constitute a binding contract. Your insurance policy provides actual terms and conditions.