AIM offers General Liability and Property coverage for special events up to four consecutive days.
To be eligible for General Liability special event coverage, the event must be hosted and sponsored by your organization. The requirements of a sponsored event are:
1
The event must be approved by your Organization
2
The event must be scheduled by your Organization
3
The event must be planned by your Organization
4
The majority of the manpower must be provided by your Organization’s members
Please note, if you already have General Liability or Property coverage, you can increase your limits for the remainder of the term, but we do not offer alternative limits on a special event basis.
Call or email us to find out if your event is eligible for Special Event coverage.
The General Liability coverage protects you from lawsuits if someone was injured at one of your organization’s activities and held you responsible. The liability limit for a lawsuit is $1,000,000 or $2,000,000, with no deductible. Some activities covered include skating parties, fall carnivals, bounce houses, dunking booths, fun runs, auctions, and more. Injuries resulting from transportation are not covered.
General Liability coverage also has a separate component that gives insureds access to a minimum of $5,000 in Medical Payments even if no lawsuit has been filed, for injuries sustained at one of your organization’s activities. Because the Medical Payments coverage is a separate component of the GL policy, outside of a lawsuit, fewer exclusions apply. Under the Medical Payments component, coverage for injuries involving mechanical rides, school buses, automobiles, and watercraft are not specifically excluded. Medical Payments limits are $10,000, $25,000, and $50,000, with no deductible.
Media Liability– As a supplement to your General Liability policy we also offer Social Media Liability Coverage. This coverage is designed to protect you from liability in the event you accidentally misuse or disclose information on your website or other social media site. This includes misuse of logo, copyright, pictures, confidential information and other misrepresentations or misappropriations.
The Inland Marine (Business Personal Property) coverage protects your raffle merchandise, auction items and fund- raising supplies while it is in your possession. This coverage also protects any personal property of your organization such as popcorn machines, snow cone makers, school store supplies, emergency relief supplies, and more. The Inland Marine coverage limits are $10,000, $25,000, and $50,000, with a $250 deductible.
(Higher limits are available, Contact AIM for pricing)
Download our Group Insurance Buyers Guide
Includes:
• Descriptions of coverage
• 10 things you should know
Perfect for reviewing at your
next meeting!
For additional details, download our complete insurance guide.
