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Community and Municipal Events

Community Event Insurance

Liability coverage for community gatherings, public events, parades, and municipal functions.

  • Municipal permit compliance
  • Public gathering protection
  • Nonprofit event coverage
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Coverage available across the United States. Local requirements vary by permit and certificate holder requirements.

Community event insurance provides liability protection for nonprofits, municipalities, and organizations hosting public gatherings. Community events often require permits and proof of insurance with specific certificate language.

Our team understands municipal requirements and issues certificates that satisfy city, county, and park district offices. We handle the additional insured endorsements and specific wording that permit offices require.

Whether organizing a parade, fundraiser, or community celebration, coverage protects your organization from liability claims arising from attendee injuries or property damage.

What We Cover

  • Municipal permit compliance
  • Public gathering protection
  • Nonprofit event coverage
  • Parade and festival liability
  • Community celebration coverage

What We Need From You

  • 1
    Type of community event
  • 2
    Event date and location
  • 3
    Expected attendance
  • 4
    Municipal permit requirements
  • 5
    Contact information

Frequently Asked Questions

What community events do you cover?▼
We cover parades, fundraisers, community celebrations, public gatherings, religious events, and municipal functions.
Do cities require insurance for public events?▼
Most municipalities require proof of liability insurance for events on public property or requiring permits.
Can you add the city as additional insured?▼
Yes, we add municipalities, park districts, and permit-granting authorities as additional insureds.
What limits do municipalities require?▼
Requirements vary. Most require $1,000,000 per occurrence. Some larger events require $2,000,000.
Do you cover nonprofit events?▼
Yes, we provide coverage for nonprofit organizations hosting community events and fundraisers.
How quickly can I get a certificate for a permit?▼
Many requests are answered same day. We understand permit deadlines and work to meet your timeline.
Can I cover a recurring community event?▼
Yes, we can provide coverage for annual events or recurring community programs.
Is the event on public property covered?▼
Yes, we cover events on public property when you have the necessary permits and authorizations.

Response Times

Many requests are answered same day. Most standard requests receive a response within 24 to 48 hours. Complex or specialty events may require additional review.

Related Event Types

Community Event InsurancePublic Event InsuranceParade InsuranceFundraiser Insurance

Ready to get started?

Submit your coverage request and our team will respond with options.

Request Coverage