If a spectator trips and falls or is otherwise injured at the event, they can bring a lawsuit against you. This coverage can provide protection for instances such as these. It can also provide protection if you hold the event on someone else’s premises and you or one of your guests damages their property during the event.
If someone is drinking at the event and injures someone while driving home, you could be held liable. This coverage can offer protection for a potential lawsuit against you for negligent service or sale of alcohol.
If a spectator gets injured during the event, this coverage can provide reasonable medical expenses for each guest who is injured.
Coverage is based on the terms, conditions, limitations and exclusions of your policy. Be sure to read your policy to verify your coverage.