General Guidelines

• Who is Eligible
  • This program is exclusively limited to special events being held at or rented at Not-for-Profit Community Associations/Common Interest Developments such as Condominiums, Single Family HOAs Cooperative Housing Corporations.

• Who is Covered (each of the following will receive a certificate of insurance indicating they are an additional) insured.
  • The individual or entity who is the Named Applicant Insured
  • The Not-for-Profit Condo, HOA, or Coop where the event is being held (employed managers and other employees are included)The independent management company, including its employed managers aka CAMs (Community Association Managers)

• What is covered
  • Bodily Injury, Property damage, and Personal Injury offenses
  • Medical Pay
  • Liquor Liability if liquor is not being sold. If being sold, a Liquor Liability Endorsement must be purchased at an additional cost.
  • Hired and Non-Owned Autos.

• Application and Purchase
  • The Special Event Liability policy can only be purchased online at insoffer.com/Community Association
  • The policy can only be purchased by using a credit card online. The charge will appear in your statement as Francis L. Dean & Associates.
  • All purchases are fully earned upon purchase and are not refundable if the policy is cancelled.

• Additional Questions
  • Questions are only accepted by e-mail at kmilligan@mcgowanprograms.com
  • If certificates of insurance are not received within 15 minutes of hitting “Submit Payment,” please check your spam folder before contacting us.

Type of Events Contemplated

• Meetings, seminars, Boy Scout or Girl Scout events, picnics , youth group events
• Birthday, anniversary, and graduations parties
• Pickleball tournaments, Bar/Bat Mitzvahs, Christenings and family reunions

Events Not Eligible*

• Has your past liability coverage been canceled in any way in the last three years? Not Eligible*
• Is your current insurer non-renewing coverage? Not Eligible*
• Have any liability claims been paid by your insurer during the last 3 years? Not Eligible*
• Does the event involve organized athletic activities and/or competitions? Not Eligible*
• Are overnight accommodation or camping facilities part of the event? Not Eligible*
• Are security personnel present? Not Eligible* unless security personnel are police.
• Alcohol liability is covered at the event at no additional cost if not sold.
• If the insured is selling alcohol the liquor liability endorsement must be purchased.
• Has the Insured applicant’s liability coverage been canceled in the past three years? Not Eligible*
• Does the event involve weapons, firearms or pyrotechnic devices? Not Eligible*
• Does the event involve amusement devices such as inflatables (including bouncy houses), carnival rides, blowup slides, water activities or a petting zoo? Not Eligible*