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The Special Events product from Westchester Small Business offers broad coverage on a standalone policy for individuals and business entities with special event exposures. General liability coverage is available for a multitude of event types and activities, with special pricing and coverage offered for host exposures.


  • General Liability coverage
  • Includes first additional insureds for no added premium
  • Food and beverage product liability is included in the general aggregate limit
  • Coverage for damage to rented premises
  • Coverage included for volunteers, temporary or leased workers, and committee members
  • No deductible for general liability 
  • Waiver of subrogation and primary/non-contributory wording available
  • Enhanced coverages for host wedding events
  •  Damage to wedding attire included
  • Coverage for jewelry, photographs, gifts, and rehearsal dinner available
  • Instantly quote and bind on our online system


Special Events

Quote and issue in minutes with Fast Track


  • General liability available up to up to $1,000,000/$2,000,000 and up to $3,000,000/$3,000,000 for eligible event types


  • Weddings
  • Concerts
  • Conventions/Trade Shows
  • Parades
  • Picnics
  • Sporting Events
  • Fundraisers
  • Car/Motor Vehicle Shows
  • Miscellaneous Events (offers general liability)


  • Fireworks
  • Hot Air Balloon Rides
  • Overnight Camping and Bonfires
  • Events Taking Place on Water
  • Medical Treatments or Health Screenings
  • Haunted Houses, Hayrides, or Corn Mazes
  • Rodeos (can consider vendors only)
  • Events in AL, MS, WV, RI, LA or AK


Westchester is one of the largest and most diverse excess and surplus lines commercial property and casualty insurance underwriters in the United States. Focused on the wholesale distribution channel, Westchester provides innovative specialty products for property, specialty casualty, environmental, professional risk, inland marine, product recall, small business, binding and programs. The business is further distinguished by exceptional financial strength, underwriting excellence and superior claims handling expertise. The material on this page contains product summaries intended for use solely by properly licensed insurance professionals. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states and surplus lines products can be offered only through licensed surplus lines producers. Insurance provided by Westchester Fire Insurance Company and its U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Westchester is a division of Chubb, the world’s largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 30,000 people worldwide. Additional information can be found at: