Special Liability Insurance
Special Liability Insurance is tailored coverage designed to protect businesses or individuals from unique or high-risk exposures not typically covered under standard liability policies. Whether you’re hosting an event, working in a specialized industry, or managing uncommon risks, this policy offers the protection you need beyond general liability.
What Does It Cover?
Special Liability Insurance can include coverage for:
Event Liability
- Protects hosts and vendors during weddings, festivals, corporate functions, etc.
Professional Liability (Errors & Omissions):
- Covers mistakes, negligence, or failed services by professionals like consultants, brokers, or designers.
Liquor Liability
- Required for businesses or events that sell or serve alcohol.
Directors & Officers (D&O) Liability
- Protects company executives from personal losses due to decisions made in their roles.
Product Liability
- Covers injury or damage caused by a product you manufacture, sell, or distribute.
Employment Practices Liability (EPLI):
- Covers claims of discrimination, wrongful termination, or harassment.
Depending on your business type or situation, we’ll help match you with the specific coverage you need.
Who Needs Special Liability Insurance?
- You may need special liability coverage if you:
- Are hosting a special event
- Sell or serve alcohol
- Work as a licensed professional (real estate agent, consultant, advisor, etc.)
- Run a nonprofit, board, or corporation
- Sell products to the public
- Have employees or contractors
- This coverage is essential for:
- Event planners and vendors
- Professional service providers
- Contractors and developers
- Nonprofits and associations
- Startups and corporate boards
Why It Matters
1
Fills coverage gaps left by standard policies
2
Protects against lawsuits specific to your operations or industry
3
Helps you meet licensing, lease, or event venue requirements
4
Shows professionalism and responsibility in high-risk or regulated environments
What Affects the Cost?
Premiums depend on:
