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Annual Events Insurance


For multiple events throughout the year on a single policy.


Coverages Available | Eligibility | Eligible States | Eligible Event Types | Coverage Definitions | Certificates of Insurance
Program Summary

Annual coverage for multiple events.  Over 200 event types can be declared to the annual policy. No maximum attendance. No limitation on number of days.


The Annual Events Program quotations are usually sent within 15 minutes after receipt of application, during business hours.


How the Annual Events Program functions:

  • Events are declared either at policy inception or during the policy term

  • Only eligible events may be declared to the policy

  • Policy may be issued without declaring events at policy inception

  • No Audits

  • Premiums fully earned at inception (no financing)

  • An event is NOT covered unless declared to the policy prior to the event taking place

The Annual Events Insurance Program offers most quotes within 10 minutes after receipt of application during business hours, in 50 States including Washington DC.


Apply for an Annual Events

Insurance Quote




Declare an Upcoming Event to an

Existing Policy






For single events, please refer to the Single Special Event Insurance Program.

Coverages Available


Coverages available through the Sporting & Special Event Insurance Program include:


  • General Liability (up to 5 million)
  • Excess Liability (up to 9 million)
  • Liquor Liability
  • Abuse & Molestation
  • Event Cancellation
  • Accidental Death & Dismemberment
  • Spectators & Participants Medical
  • Hired & Non-Owned Automobile Liability
  • Hired & Non-Owned Automobile Physical Damage
  • Third Party Property Damage
  • Rental Equipment
  • Owned Equipment (All Risk)
  • Unlimited Certificates of Insurance (Including Special Certificates)
  • Workers' Compensation (Available in: AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MN, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, PA, TN, SC, TX, UT, VA, VT, WV. In addition, for clients located in the above states, locations can now be added for operations that occur in the following 8 states: AK, DE, HI, MA, OR, RI, SD, WI.)
Program Eligibility


To be eligible for the Annual Events Insurance Program:

  1. No maximum attendance.
  2. No limit on the number of days.
  3. Not have: Stunts, Pyrotechnics, Aircrafts, Hazardous Activities, Car Races, Precision Driving, Mechanical Devices, Private Armed Security Guards, Film Production, Live Rap/Hip-Hop music, Live Rock/Metal music, Rides, Take Place in Water*

* Please contact us if your event does meet meet the above program eligibility requirements.


Eligible Event Types


  • Holiday Events
  • Plays
  • Concerts and Shows
  • Weddings
  • Festivals
  • Business Meetings
  • Parties
  • Sporting Events
  • and many more



Coverages referenced on this website may not be available in all territories and may vary depending on the exposure. Minimum premiums may vary by State. Coverages and services described in this website are generally stated for the purpose of promotion. The material does not modify or amend the terms, conditions, or coverages of any policy. Please ask your Supple-Merrill & Driscoll, Inc. representative to explain coverage details, exclusions, limits or other provisions of any insurance policy.




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