Low Hazard Special Events Insurance Program

General Liability Insurance for Small, Short-Term Events

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Host Liquor Included

Gross and Company Insurance offers short-term event general liability insurance coverage. Our primary objective is to establish a relationship – a partnership – between you, the insurance company and our agency, to provide you with coverage services that are honest, fair and prompt.

Our number one product is service. Service specifically designed to reduce your losses and control your insurance costs. We would like to become a part of your insurance program and to participate in the planned growth of your company.

The Liability Insurance

Coverage is limited to events meeting the following conditions:

  • Events must be less than 5 consecutive days
  • Maximum number of attendees must be less than 500 per day
  • Event may only have 1 location

$1,000,000 – protects you in the event of a lawsuit or property damage)

Covered Event Types

  • After prom parties
  • Auctions
  • Award presentations
  • Balls/dances
  • Banquets
  • Bar mitzvah or bat mitzvah
  • Bazaars
  • Benefits
  • Billiard events / tournaments
  • Bingo games
  • Birthday parties
  • Book fairs / book readings
  • Book signings
  • Car washes
  • Card games / events
  • Casino events
  • Chamber of commerce events / mixers
  • Charity events
  • Chess events
  • Christmas caroling
  • Christmas lighting ceremony
  • Conventions
  • Debuts or debutante balls
  • Dinners or luncheons
  • Direct selling consultant parties
  • Easter egg hunts
  • Educational lectures or seminars
  • Farmers’ markets
  • Film screenings or showings
  • Food cooking contests
  • Graduation ceremonies
  • Job fairs
  • Meetings
  • Memorial services
  • Pageants
  • Picnics
  • Poet or poetry readings
  • Proms
  • Quinceanera
  • Recitals (dance, music)
  • Religious events
  • Reunions
  • Sales (bake, charity, consignment, estate, garage)
  • School band or drill team competitions
  • School carnivals
  • Shows (antique, art, baby, business, collector, consumer, craft, fashion, flower, garden home, state, wedding)
  • Social gatherings or receptions
  • Speaking engagements
  • Talent search / shows
  • Telethons
  • Theatrical performances / musicals
  • Trade shows or expos
  • Walking tours (garden, holiday, home, historical site)
  • Wedding and wedding receptions
  • Anniversary parties
  • Engagement parties
  • Christmas party
  • Holiday celebration
  • Holiday party
  • New Year’s party / celebration
  • Baby shower
  • Wedding shower
  • Bridal shower

Who is Covered?

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims.

Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Association Purchasing Group.

Coverage includes suits arising out of:

  • Injury or death of spectators
  • Injury or death of volunteers
  • Property damage liability
  • Incidental medical malpractice
  • All activities related to the event
  • Ownership, use or maintenance of facilities
  • General negligence claims
  • Cost of investigation and defense of claims, even if groundless
  • Corporal punishment
  • Host liquor liability

Additional Insured parties may be added at no charge.

Premium Rates

Premium rates begin at*:

  • $1,000,000 General Aggregate: $82.50 Premium + $10.00 Administrative Fee = $92.50 Total
  • $2,000,000 General Aggregate: $86.75 Premium + $10.00 Administrative Fee = $96.75 Total
  • $3,000,000 General Aggregate: $91.00 Premium + $10.00 Administrative Fee = $101.00 Total
  • $4,000,000 General Aggregate: $95.50 Premium + $10.00 Administrative Fee = $105.50 Total
  • $5,000,000 General Aggregate: $100.25 Premium + $10.00 Administrative Fee = $110.25 Total

*Note: Higher premiums may apply in select coverage states.

Please note that a 3% Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL.

The Optional Coverages

Hired and Non-Owned Automobile Liability Coverage

This liability coverage provides protection for rented, borrowed and other non-owned vehicles operation on Policyholder special event operations during the policy term.

Excess Liability Coverage

This coverage provides additional liability limits increasing the liability coverage per each occurrence.

Increased Aggregates

This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.

$5,000 Medical Expense Benefit

This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.


The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, “A” (Excellent) rated by A.M. Best Company. A member of the Crum & Forster group of companies.

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Why Choose Us?

  • Established in 1925
  • We Work for You, Not Your Insurance Company
  • Competitive Prices
  • Service Oriented Firm
  • Client Focused Advice
  • Coverage Customized to Your Needs