HCM Insurance Brokers

Special Events Division

Everything a Promoter, Producer, Facility, Organizer, Sponsor, Artist, Vendor, Exhibitor & Crafter needs to know about event liability insurance.

Since 1987 we have maintained a special department to offer coverage to sporting and other special events. We can cover many types of events. We will cover property rented for a short term. We will cover spectator liability on a sporting event, theatre and film production. Participant liability on a fund raising event. Quotes are quick and simple. We also offer event cancellation and weather insurance.

Please call 800.800.3256for a fast and easy quote.

Each year, we insure thousands of special events, not only throughout the United States, but worldwide as well. In fact, we specialize in special event insurance. This specialization allows us to concentrate on providing the broadest special event insurance products available, at very affordable prices.

Look over our various programs. Call us, or complete our application and we’ll send you a written, detailed quotation. You’ll find our friendly staff and 24-hour response guarantee a welcomed relief!

After you approve our quote, remit your premium and your policy will be issued and on its way back to you within 24 hours of us receiving your payment.

Check out our rates for single event policies. If you promote 6 or more events a year, it’s usually more cost effective to purchase an annual policy. We have annual policy programs with rates more attractive.

Facilities/sites: Your insurance requirements for renters are simple. Unfortunately, for the low volume renter, insurance can be a difficult and expensive procedure. If you’re in a jam and your renter has not gotten you your required evidence of insurance, call us. With one phone call, we’ll arrange a policy for you based upon your lease requirements if you’ll guarantee us premium payment out of box office receipts.

This program can serve as an excellent promotional tool for you to attract more tenants due to its affordable rates, immediate availability and broad coverage.

For Event Promoters, Producers, Sponsors, Organizers & Facilities.

Rates apply per person / per day and are based on the capacity of the facility / site.

*Call for Rap, Alternative, Heavy Metal, and Concerts without Seating.

**Injuries to participants are not covered – but can be added for an additional premium. See our sports section.

Rates shown require a 3-day advance purchase. (Example: Payment for a Saturday event must reach us by Wednesday). Otherwise, higher rates will apply.

For Sports Promoters, Sponsors, Associations, Leagues and Teams.

Are you finding the purchase of sports participant and spectator liability insurance a difficult and expensive undertaking? Or are you settling for policies that do not provide participant liability protection? Now with this simple to use program, you’ll no longer have to settle for inadequate insurance.

Choose from Option 1 or Option 2.

Option 1. Spectator Liability Only.

Injuries to Participants are not covered.

Option 2. Participant and Spectator Liability.

Rates apply per participant / per day.

For Arts & Craft Festivals, Street Fairs, Conventions, Trade Shows, Expos, Antique Shows, Mall Shows, etc.

This program is designed for exhibitor-based events which has free admission to the public. If you charge an admission at your event, or it is not exhibitor-based, see event section above for rates.

For Crafters, Artists, Vendors, and Exhibitors.

This policy is designed for the person selling or demonstrating products at fairs, festivals, trade shows, special events, conventions, malls, etc. Performing artists such as clowns, magicians, and musicians are also eligible for this policy.

Who we insure

Antique Sales, Artists, Baseball Card Booths, Clowns, Coffee Stands, Concessionaires, Convention Booths, Exhibitors, Expo Booths, Fine Arts, Food Booths, Hot Dog Carts, Ice Cream Stands, Jewelry, Leather Goods, Lemonade Stands, Magicians, Mall Kiosks, Mexican Food, Pizza Stands, Plants, Popcorn Stands, Pottery, Sculptors, Sunglass Stands, Thai Food, and Woodwork.

No No’s

Ear Piercing, Fireworks, Tattoos, Weapons, Activities Involving Physical Contact with Customers.

All Policies

$2,000,000 Aggregate Per Event Policy Limit

$1,000,000 Per Occurrence Policy Limit

Facility / Site named as Additional Insured

Your Employees are named as Additional Insured

Policy applies from Set-up to Take-down

Product Liability

$0 Deductible

Sports Participant Policies also includes

$1,000,000 Participant Liability

$10,000 Participant Excess Medical Benefit

You can add the following entities to your policy as an Additional Insured for a charge

Co-Promoters / Co-Organizers

Artists / Entertainers / Sports Celebrities

Business or Personal Managers / Booking Agencies

Sponsors

Sound / Lighting / Stage / Equipment Rental Companies

Optional Coverage

Bad Weather Protection-Guarantee your expenses & profits against bad weather. Both outdoor and indoor events are eligible.

Workers Compensation-Required by State Law. Insures your employees for work related injuries. Depending on the state, can also insure independent contractors.

Non-Owned & Hired Vehicles-Provides auto liability for rented or borrowed vehicles and for non-owned vehicles (owned by employees and driven on company business).

Liquor Liability-Similar in coverage to general liability, this coverage is needed when you are selling or serving alcohol (including beer & wine).

Miscellaneous Equipment & Office Contents-Insures the replacement value of lost or damaged equipment. Fire, theft, earthquake, flood, & collision are some of the perils covered.

Non-Appearance / Cancellation-Covers your expenses and profits due to cancellation of your event or the non-appearance of a featured artist.

Accident Medical-Covers spectators or participants doctors’ charges, ambulance, hospital, and other medical treatments due to accidental injury.

Excess Liability Limits-Increase your protection.

Prize Money Payout Protection-Insure against hole-in-ones’, half-court shots, athlete incentive bonuses, fishing contests, etc.