Special Events

SMIC provides event insurance for hosts, planners, and vendors

Rain or shine and from set-up to clean-up, event insurance provides peace of mind for everyone.

Even the most well-planned events are not immune to accidents and bad weather. Special events are exposed to a number of risks, and no amount of planning anticipates every possible outcome. We help protect your clients’ investments when things don’t go according to plan, providing them peace of mind on days that matter most.

We understand special events require unique protection, and our team is committed to delivering tailored insurance programs that exceed your expectations.

See our coverage options below to find the right insurance for your event.


Coverage options

1. TULIP (Tenant User Liability Insurance Policy)

Tenant Users Liability Insurance Policy (TULIP) is designed to provide short-term liability insurance coverage for third parties to use facilities or venues for specific events. It protects against claims by third parties who may be injured or lose property as a result of participating in an event.

Events eligible for TULIP coverage must meet these guidelines:

  • Maximum daily attendance 5,000 or less
  • Event lasts no more than 10 consecutive days
  • Event location is in the United States
  • Alcohol may be served, but not sold at event
  • For concerts or other performances, TULIP coverage is for the event only. Bands, DJ's, and event vendors: see Other Special Event coverage.

Eligible types of events and activities

(Partial list; similar events may be eligible. Contact us for more information.)

Arts and Craft ShowsConventionsReunions
Charity EventsMusicalsSocial Gatherings
Church MeetingsPageantsWeddings
Concerts*PicnicsWedding Reception
ConferencesPromsWedding Rehearsal

*No punk/heavy metal, rap or hip-hop, mosh pits, raves, or body surfing.


Ineligible risks

  • Inflatables
  • Fireworks or pyrotechnics
  • Animals
  • Rodeo
  • Mechanical devices or rides
  • Motorized sporting events
  • Rock climbing walls
  • Tents


2. Other Special Event Insurance

For events not eligible for TULIP, or events that also need coverage for:

  • Abuse/Molestation
  • Higher Liability/Property Damage Limits
  • Retail Liquor Liability (for events with alcohol sales)
  • Medical Expense
  • Hired and Non-Owned Auto

Request a quote - Other

3. Contingency

Coverage for lost revenue or expenses due to unanticipated weather, wildfires, non-appearance of key individuals, and many other situations beyond an event organizer's control.

  • Event Cancellation Insurance
    • Coverage for Cancelled, Abandoned, Postponed, Curtailed, or Relocated Events
    • “All-Cause” Coverage
    • Multiple Terrorism limits to choose from
  • Weather Insurance
    • Rain coverage based on total accumulation or number of rain-free hours
    • No proof of loss is required to pay a claim for rain coverage
    • Coverage for Wind, Snow, Lightning, Temperature and other adverse weather can be quoted

Request a Quote - Event Cancellation

Request a Quote - Weather Insurance

Submission requirements

  • Application
  • Facility insurance requirements
  • Losses

Special Event program details



  • All 50 states


Minimum premium

  • $90

Typical coverage and features

  • General Liability Coverage of $1 million per Occurrence/$2 million Aggregate, including coverage for:
    • $1,000,000 Products and Completed Operations Coverage
    • $1,000,000 Personal and Advertising Injury Coverage
    • $300,000 Property Damage Liability Coverage
    • Lawsuits brought against you by Spectators and Volunteers
    • Host Liquor Liability Coverage (when there is no charge for alcohol being furnished or admission to the event)
    • Additional Insureds Coverage for Owners of Leased Premises and Sponsors
    • No Deductible


  • Multiple A-rated carriers


Request a quote

Contact Us

Nate Walker
Senior Vice President
Special Markets Insurance Consultants - Stevens Point, WI
773.759.3322 nate.walker@amwins.com