Be protected in case of sudden cancellation of your event due to unforeseen circumstances.
Confluence Insurance offers more than 700 insurance products over and above the coverages sold by most independent agencies.
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Complete Event Protection
Events, both small and large, can take many unexpected turns. Risk exposure for clients include interruptions, problematic weather, and liability. This Category of specialty insurance coverage includes four important policies: Special Event Liability, Event Cancellation, Weather Insurance, and Prize Indemnity. Whether you're planning a wedding, a hole-in-one grand prize at a tournament, or a music festival for thousands, this is coverage you'll want to understand.
Special Events Liability
Special Event Liability coverage provides peace of mind for sponsors or hosts of any events attended by guests or paying customers. A church's holiday bazaar, a rock concert, a festival, and a wedding all have something in common--the potential for unexpected incidents that result in risk to the sponsoring organization or persons. Are there weddings in your community? Fairs, or festivals? Concerts? If so, you'll want to know more.
Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff...
Flood insurance policies cover physical damage to your property and possessions from floods or flood-related losses due to rising water in high risk areas. The federal government runs the National Flood Insurance Program (NFIP), which can issue flood insurance policies. Even if you have, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to have protection from flood damage. Most homeowners insurance policies do not cover damage caused by flooding. This is important to check when getting flood insurance quotes. If your community participates in the National Flood Insurance Program (NFIP), you can buy flood insurance coverage through agents enrolled in the NFIP-Direct program.
Commercial Excess Flood Program
Our Commercial Excess Flood Program provides coverage excess of an NFIP policy limit.
Architects and Engineers, Professional
Automobile Excess Liability
Business Legal Expense
Computer Software Designers Errors and Omissions
Contractors Equipment Insurance
Earthquake and Earth Movement
The market for earthquake and earth movement coverage is active. Availability, pricing, and deductible requirements vary by region. Determining the insured property's susceptibility to earthquake damage and earthquake preparedness are important parts of the underwriting process. Coverage is available under specific earthquake or earth movement policies or Difference in Conditions coverage forms. This explanation of insurance benefits is provided by Insurance Marketplace.
- Other structures
- Personal Property
- Loss of Use
- Building Code Upgrades
- Personal Valuables
- Swimming Pools
- Loss Assessment
Educational institutions have very specific needs that only customized coverage forms and programs can meet. Such programs offer commercial property, general liability, crime, inland marine, equipment breakdown, electronic data processing equipment, fine arts, abuse and molestation, corporal punishment, employee benefits liability, automobile, umbrella liability, workers compensation, educators legal liability, and employment-related practices liability. This explanation of insurance benefits is provided by Insurance Marketplace.
- General Liability
- Auto Liability & Auto Physical Damage
- Equipment Breakdown
- School Board Liability
- Fiduciary Liability
Employment Benefit Plans Liability
This insurance covers the insured employer against claims made by its current or former employees due to damages caused by negligent acts, errors, or omissions in the employer’s administration of employee benefit programs. It covers claims resulting from the giving of incorrect advice concerning an employee's health care or pension plan or for failing to enroll employees under a benefit program. It usually excludes all fiduciary responsibility. It may be written on a separate policy or be endorsed to the employer's commercial general liability policy. This explanation of insurance benefits is provided by Insurance Marketplace.
- General Liability
- Products Liability
- Lessor’s Risk
- Employee Liability
- Lessors Risk
- Commercial Liability Risk
Employment-Related Practices Liability
The entertainment industry is often faced with unique perils. Insurance solutions that provide specialized property and liability protection for individual artists, performers and groups - even if the entertainer happens to be an animal - are important to mitigate and prepare for these risks. This explanation of insurance benefits is provided by Insurance Marketplace.
- Production Portfolio
- Producers' Errors & Omissions
- Guild/Union Travel & Accident
- Equine Liability
- Excess/Umbrella Liability
- Foreign Liability
- Marine and/or Inland Marine
- Spectator Liability
- Sponsor Liability
Horse owners ride for pleasure, show, or competition. Personal lines homeowners coverage provides some coverage but often not enough for serious riders. Equestrian risks liability policies are available to bridge the gap in coverage. Workers compensation coverage may also be needed to cover persons employed part-time, temporarily, or on a limited-help basis to assist in boarding, training stables, racing, or other equestrian- related activities. This explanation of insurance benefits is provided by Insurance Marketplace.
- Equine Liability Policies
- Boarding Stable Liability
- Equestrian Association Liability
- Equine-Assisted Therapy Liability
- Farrier Liability
- Guest Ranch Liability Insurance
- Horse Care Custody & Control Liability
- Horse Show & Equine Special Event Liability
- Polo Club Liability Insurance
Equipment Leasing-Lessor Protection
Equipment leasing contracts require that the lessee insure the leased equipment. However, at times the lessee does not meet its obligation. In order to protect its interest in the equipment when such a lapse occurs, the owner can purchase contingent coverage that pays for its interest in the equipment. This coverage can be broadened to include the lessee's interest. This explanation of insurance benefits is provided by Insurance Marketplace.
- General Liability
- Property Damage
- Business Income
- Earthquake, Flood, Windstorm
- Total Loss
- Workers Compensation
Provides protection for situations in which an event holder, host, venue manager or concessionaire must defend against lawsuits or pay damages for bodily injury or property damage to third parties. Other coverages address the risk that events can be interrupted or canceled, including coverages designed to reduce the risk of events incurring financial losses. This explanation of insurance benefits is provided by Insurance Marketplace.
- General Liability
- Event Liability
- Weather Interruption Event Insurance
- Unexpected Interruption Insurance
- Event Cancellation Insurance
- Event Security Insurance
- Cyber-liability Insurance
- Personal Injury Liability
- Umbrella Insurance
Health and Exercise Clubs
Municipal and Public Entities Liability
Professional Employers Organizations
Property Management Errors and Omissions
Real Estate Agents Errors and Omissions
Travel Agents- Errors and Omissions
Haven’t found the coverages you're looking for?
As a USA InsureNet Agency, we have access to the nation's premier directory of specialty products and programs. You can download this below.
The 58th Edition of The Insurance Marketplace by Rough Notes contains more than 700 coverages, programs, and service industry categories and is the most widely used directory in our industry for locating Specialty Market Providers.
If you see a coverage you are interested in, please reach out through the contact us button for more information.
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Specialty insurance coverages and programs are offered by independent agencies that market/sell those insurance products. These coverages come from companies known as "Specialty Market Providers" or "SMPs" and are represented by Confluence Insurance.