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Special Event Insurance

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› Insurance Products › Entertainment Insurance › Special Event Insurance

With over 40 years experience insuring music festivals and writing Special Event Insurance policies, we understand that planning and executing a special event or music festival can be a costly endeavor. With our Special Event Insurance, coverage can be provided on a short-term basis for single events or on an annual basis for multiple events. When your company adds a Special Event Insurance policy through MFE Insurance, your special event or music festival is protected against claims of bodily injuries to others, lawsuits, damage to the rented property, and more.

Contents

  • 1 Professions That May Qualify
  • 2 General Liability Insurance
  • 3 Inland Marine Insurance
  • 4 Commercial Auto Insurance
  • 5 Workers Compensation Insurance
  • 6 Reach Out To Our Special Event Insurance Experts At MFE

Professions That May Qualify

  • Concert Insurance
  • Jazz Concerts
  • Hip Hop Concerts
  • Rap Concerts
  • Country Music Concerts
  • Marathons
  • Dance Marathons
  • Raves
  • Festivals
  • Art Festivals
  • Music Festivals
  • Historical Re-enactments
  • Car Shows
  • Boat Shows
  • Antique or Collector Car Shows
  • Sporting Events
  • Theatrical Events
  • Events with Stunts
  • Pyrotechnics

General Liability Insurance

rock concert at a venue that has special event insuranceGeneral Liability Insurance, also called Commercial Liability Insurance, protects you and/or your company from claims of bodily injury and property damage that may arise during your special event. General Liability Insurance, as a form of Special Event Insurance, covers third-party lawsuits that may occur during a claim. A “third party” can be anyone other than the insured’s employees and workers (e.g., a staff member working the special event). With our General Liability Insurance, your company can rest easy knowing that special event is protected from a wide range of potential liability issues.

What Does General Liability Insurance Cover?

It is imperative to add a General Liability Insurance policy for your special event, as it covers accidents involving those who are not employed by your business. If they make a claim against your company, your policy will step in to pay for attorney fees, settlements, and any other costs relating to the lawsuit. It may even cover the injured party’s immediate medical expenses and the cost of repairing or replacing their damaged property.

For example: An attendee of you special event trips and falls over a set of wires used to power a stage you are using. If they sustain any bodily injuries while attending your special event, it is within their right to sue you for medical expenses and damages. Depending on how serious the injuries are, their medical expenses and your legal fees can become incredibly expensive. Say the attendee break their arm from tripping over the wires, which affects their quality of work, your company could be facing major fees. If that happens, you can make a claim on your General Liability policy to cover litigation costs.

Inland Marine Insurance

Inland Marine Insurance covers your company’s property while in transit for your special event. The policy covers moveable property that is required for your special event, such as video cameras, speakers, lighting setups, etc. Inland Marine Insurance policies at MFE Insurance cover your movable production property whether it is being transported between special events, or in use during your company’s special event.

What Does Inland Marine Insurance Cover?

For companies that host any type of special event, Inland Marine coverage protects your equipment that is in constant motion between events. Each Inland Marine Insurance policy is tailored by our Special Event Insurance brokers to your specific needs, but typically the following are covered: cameras, speakers, computers, lighting equipment, props, microphones, other electronics, rented equipment, accounts receivable, and trailers to transport your special event equipment.

For example: During a performance at your special event, the artist runs into a speaker on stage, completely destroying it. The speaker would then be covered up to the limits on your policy (usually the replacement value).

Commercial Auto Insurance

tractor trailer going to a special event that is covered by commercial auto insuranceThe MFE Commercial Automobile Insurance policy covers owned, hired, borrowed and or non-owned vehicles used during your company’s special event. There are two main components to Commercial Automobile coverage, Liability and Physical Damage. Auto Liability covers your company against bodily injury and property damage done to others while the Physical Damage (comprehensive & collision) covers your company against theft and damage to the vehicle.

How Does Commercial Auto Insurance Apply To My Business?

If any special event staff member or employee working for your company uses their own vehicle or a rented vehicle, you and your company are responsible for the vehicle and the people in the vehicle. You and your company are also responsible for any vehicles that are involved in an accident.

For example: One of your employees or special event staff members decides to take their personal vehicle to pick up lunch. During the car ride, your employee or special event staff member gets into an accident and causes damage to another person’s body and car. The MFE Commercial Automobile Insurance policy covers the damages caused to both parties.

Workers Compensation Insurance

Workers Compensation Insurance is a program mandated by the state, which consists of payments (required by law) to be made to a special event staff member or employee who is injured or disabled in connection to their work. The Special Event Insurance consultants at MFE Insurance provide insightful knowledge about the entertainment industries rules and regulations. This gives you and your company a better understanding of the policy and ensures that your company and special event is properly covered. Our number one priority is to provide your company with the right amount of coverage needed, while providing competitive rates.

What Does Workers Compensation Insurance Cover?

The Workers Compensation Insurance program coverage varies on a state by state basis, so it is best practice to speak with an MFE Insurance broker for a more insightful look into your states specific coverage. Regardless of the varying state coverage details, Workers Compensation Insurance will cover the medical costs from the injury or illness, replacement income, costs to retrain, compensation for any permanent injuries, and benefits to survivors of workers who are killed during your special event.

For example: A special event crew member falls over a set of wires during the special event and dislocates their shoulder. The MFE Workers Compensation Insurance policy will cover the medical expenses and the wages the special event crew member would have received during the special event.

Reach Out To Our Special Event Insurance Experts At MFE

MFE has over 40 years of experience in tailoring special events insurance policies to fit any business’s needs. If your business needs proper insurance to cover the unique risks that come with special events, contact our experienced insurance agents at MFE. Reach out to MFE by calling at (213) 266- 7990 or online to get a quote today.

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Los Angeles, CA 90013
213-266-7990

344 N Old Woodward Ave,
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Birmingham, MI 48009
313-395-1855

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Google Rating
4.8
MFE Insurance Brokerage
MFE Insurance Brokerage
4.8
Tara Fartemer
Tara Fartemer
13:34 20 Aug 19
I called MFE Insurance Brokerage about car insurance for my son after seeing the reviews on Yelp. (My son is a student in CA and I live in TN.) Payman explained everything in detail and got a great rate for us! I would definitely recommend him to anyone looking for insurance!
Aaron Godfred
Aaron Godfred
16:55 10 Sep 18
MFE Insurance is great. Omaze has demanding and constantly changing insurance needs and MFE is easy to get in touch with, has a great online cert generator and are awesome people to boot! Highly recommend.
Oscar Bucher
Oscar Bucher
05:25 15 Mar 18
Alec Roberts and his team really go the extra mile to ensure their clients receive the proper insurance that is right for their business at the best price with a timely turnaround. They provided same day service - from quote to a full policy with proof of insurance and helped me win bids and develop my business. They are your allies in the insurance world - look no further!
Jon Keeyes
Jon Keeyes
19:21 13 Sep 17
I've worked with many insurance companies over the years for production insurance on feature films. Once I found MFE, I never looked back. Not only is there pricing competitive (and typically better than many other brokers), Alec and his staff are amazing, quick to reply, and fast to assist. And they make all your insurance needs for production run smooth and easy. I couldn't recommend a better broker.
Ashley Rosenberg
Ashley Rosenberg
22:26 24 Oct 17
AMAZING. Never felt like they were giving me BS information, or quotes that weren't necessary for my production. Always informative (explaining in depth what I would, or wouldn't need for certain situations! Claims were seamless, and the team is always responsive. So grateful to have a broker that really is working for my best interest!!
Ian Bell
Ian Bell
18:03 03 Apr 18
Kat and the rest of the MFE team are amazing. Great communication and quick to find the best possible coverage.
Nick Scully
Nick Scully
20:20 29 Nov 18
John Hart was my broker for my first project requiring insurance, and he was incredibly helpful, professional, and patient with a first-timer. Highly recommend MFE and John's services!
Aaron Brown
Aaron Brown
16:25 13 Sep 17
I've been working with Alec and his team for years. They provide our production insurance and throughout the entire process, including a handful of claims, I've always felt informed, supported, and taken care of. Can't recommend MFE enough - these guys are the ones you want in your corner. They know the best insurance policies and will help manage any claims that arise.
Kate Ryan
Kate Ryan
16:50 08 Mar 19
MFE Insurance saved my business money and offered better coverage. We've worked together over the last several years, and have recommended MFE to family and friends. Alec Roberts and his team are always available to answer our questions or requests, and everything is done in a timely manner. We can't say enough about how well we are treated!
Alexander Baker
Alexander Baker
02:17 26 Sep 20
We were looking for last minute equipment insurance for a film shoot and MFE couldn't have been more helpful. John Hart was fantastic and made sure we got our coverage in time! I could not recommend this company more.
Kyle McKee
Kyle McKee
16:28 01 Mar 22
Been a customer for almost a year. Quick and easy to set up and was able to get a much cheaper price than my "good neighbor" insurance.
Cody Michler
Cody Michler
17:26 07 Jun 22
Peter was great! I did have to cancel temporarily but due to pivoting my business in a different direction. If you have niche and need coverage reach out to them! Its hard to find insurance for specific niches but they got it working for me while I was doing more onsite work!
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