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The other day, we discussed what we've been calling "Special Event" insurance. And that's an accurate designation, upward to a point. That type of programme falls nether the category of "indemnification" (being made whole).

But there's another type of Special Events coverage, ane that covers liability.


Here's an example:

A proficient friend of mine hosted his daughter's marriage ceremony reception at a local luxury auto museum. He knew that in that place would endure alcohol, too every bit trivial children running around. And he knew that in that place were millions of dollars’ worth of antique luxury cars protected by, at most, a velvet rope.

So he (wisely) purchased this second form of Special Events cover.



"Markel’s special outcome cancellation as well as outcome liability insurance protects outcome hosts as well as honorees from losses they may face, should the unfortunate occur. Policies commencement every bit depression every bit $75"

(I'm going to focus on the liability facial expression of this plan, because I intend the cancellation business office falls into the indemnification/"baseball insurance" camp)

Think virtually all the dissimilar kinds of events to which this would apply: weddings, of course, but Bar/Bat Mitzvah celebrations, auctions, as well as offsite work concern meetings, for starters.

And peculiarly if these involve serving alcohol:

"Host liquor liability included."

And every bit the brochure points out "[m]any venues necessitate liability insurance." I convey to admit, I hadn't fifty-fifty thought of that. But it makes sense, no?

Oh, ane final thing, which forthwith seems obvious:

"Policies ... tin endure purchased whatever fourth dimension at to the lowest degree ane twenty-four hours earlier the outcome date" [emphasis added]

No kidding.

Special IB Thanks to Bill M for suggesting this topic as well as helping seat together this post.

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