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INSURANCE OVERVIEW
AREA
Special Event insurance is written to provide coverage for an activity that
isn’t covered under most traditional insurance policies. Unlike a traditional
business that operates on a regular basis throughout the year special events
tend to be short term in nature and may last for a few hours up to as much as a
several weeks. There are numerous reasons why an event needs to be covered
separately but the usual reasons are that:
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the
insured's only exposure is a short term event,
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the
event is a joint venture and none of the sponsors will cover it under their
own program, |
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the
event owner does not want to cover it under their overall program or their
carrier has excluded an event from their program.
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The reason
why a special event policy is needed isn’t necessarily important as long as the
event and the controls in place are acceptable to AREA underwriters.
AREA
Special event policies can be written on a short term basis or on an annual
basis. We prefer to issue short term policies that coincide with the date(s) of
the event that we are covering. There are situations where annual policies
may be required and we can issue policies on this basis. The two most likely
reasons for an annual policy will be that the insured would like us to cover a
number of events and prefers a single policy for all events or the insured has
ancillary activities like planning meetings throughout the year that they want
coverage for.
The AREA Special
Event policy is underwritten and administered by Allen Financial
Insurance Group and insured by a national, A rated insurance carrier.
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Special Event Classifications
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Category |
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Event Type |
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Ceremonies: |
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Graduations, Weddings |
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Concerts: |
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Classical Music Concerts - Indoors,
Classical Music Concerts - Outdoors, Concerts - Not Otherwise
Classified, Country Western, Heavy Metal, Jam and Jazz Concerts -
Indoors, Jam and Jazz Concerts, Outdoors, Pop Music Concert, Promoters,
Rap/Hip Hop**, Rock, Salsa Concert, School Band Competitions or Events
and Symphony Concerts. |
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Exhibitions &
Conventions: |
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Auctions, Drill Team Exhibitions,
Educational Exhibitions, Job Fairs, Trade Shows |
Festivals, Cultural
& Amusement: |
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Art Festivals, Bazaars, Carnivals,
Circus, County Festivals and Fairs, Country Western Events, Rodeos,
Cultural Events, Exhibitions, Festivals, Harvest Festivals, Haunted
Houses, Oktoberfest, Pumpkin Patch, Tractor Pulls |
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Lectures: |
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Lectures, Seminars and Speaking
Engagements. |
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Meetings: |
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Amateur Association Meetings, Book
Signings, Business Meetings, Church Services or Meetings, Civic Club
Meetings, Conferences, Evangelistic Meetings, Ladies Club Events,
Luncheons, Meetings - Indoors, Meetings - Outdoors, Professional
Association Meetings, Record Signings, Teleconferences and Union
Meetings. |
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Miscellaneous: |
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Film Production, Fireworks and
Pyrotechnics. |
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Parties: |
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Anniversary Parties, Banquets,
Birthday Parties, Block parties, Business Parties, Debutante Balls, Old
Timer Events, Picnics held at grounds without pools or lakes, Proms,
Reunions - Indoors, Reunions - Outdoors, Social Gatherings - Outdoors,
Social Receptions, Street Closures and Wedding Receptions. |
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Political: |
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Chamber of Commerce Events, Heads of
State Events, Political Rallies and Voter Registration. |
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Religious or Spiritual Gatherings: |
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Charity Benefits and Séances. |
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Sales: |
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Auctions, Rummage Sales, Sales -
Other, Sidewalk Sales, Swap Meets and Telethons. |
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Shows: |
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Animal Acts and Shows, Antique Shows,
Art Shows, Auto Shows, Award Presentations, Beauty Pageants, Boat Shows,
Business Shows, Camera Shows, Card Shows, Casino Shows, Comedy Shows,
Computer Shows, Consumer Shows, Debuts, Fashion Shows, Film Screenings,
Film Showings, Flower Shows, Garden Shows, Gun and Knife Shows, Home
Shows, Hypnotists, Ice Skating Shows, Livestock Shows, Lounge Shows,
Mobile Home Shows, Nightclub Shows, Pageants, RV Shows, Talent Shows and
Vacation Shows. |
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Sporting Events Games, Dance: |
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Aerobics Classes or Events, Ballets,
Balloon Events, Baseball, Basketball, Bicycle Races, Bicycle Rallies -
Not including any Racing, Bingo Games, Body Building Contests, Boxing,
Classic Dance Shows, Fishing Events, Football Games, Gymnastic
Competitions, Hockey Games, Horse Shows, Instructional Classes,
Jazzercise, Jazzercise Classes or Events, Junior Athletic Games, Karate
Meets, Marathons (walking, running, etc.), Overnight Camping,
Professional Sporting Events, Rodeos and Roping Events, Scouting
Jamborees - no overnight camping, Ski Events, Soap Box Derbies, Softball
Events, Sporting Events in Buildings - Non-professional, Swimming,
Swimming Pool Facilities, Tap Dancing, Tractor Pulls, Triathlons,
Volleyball Events, Water Activities or Events and Wrestling. |
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Theatre Events: |
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Film
Screenings, Play Readings, Plays and Theatrical Stage Performances.
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Every year millions of
spectators attend and participate special
events ranging from concerts to rodeos. Finding
the right kind of insurance coverage can often be difficult and
costly. Buying groups and cooperatives have proven to be sensible ways of saving money.
Now America’s entertainment and recreation industry is realizing that liability insurance can also be
obtained more economically when affiliated with a national organization.
The AREA liability program
has provided coverage for thousands of events at an affordable price.
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Same Day
Quote & Issue
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