Skip to main content
A+ Rated Carriers

Community and Municipal Events

Public Event Insurance

Coverage for events open to the general public at parks, public spaces, and municipal facilities.

  • Public gathering liability
  • Municipal facility compliance
  • Park permit requirements
Request CoverageCheck Status
Coverage available across the United States. Local requirements vary by permit and certificate holder requirements.

Public event insurance provides liability coverage for gatherings open to the general public. These events at parks, public spaces, and municipal facilities require coverage that satisfies permit requirements.

Events open to the public involve different liability considerations than private gatherings. Municipalities require specific insurance before issuing permits for public events.

Our coverage protects event organizers from liability claims arising from attendee injuries at public gatherings.

What We Cover

  • Public gathering liability
  • Municipal facility compliance
  • Park permit requirements
  • Crowd management coverage
  • Public safety compliance

What We Need From You

  • 1
    Event date and location
  • 2
    Expected attendance
  • 3
    Municipal permit requirements
  • 4
    Activities planned
  • 5
    Organizer contact

Frequently Asked Questions

Do you cover public events?▼
Yes, we provide coverage for public events at parks and municipal facilities with permit compliance.
What are municipal requirements?▼
Requirements vary by municipality. Send us permit requirements and we match them.
Do you cover open-to-public festivals?▼
Yes, festivals and events open to the general public are covered.
What about admission-free events?▼
Yes, free public events still require liability coverage for permits.
How do you handle large crowds?▼
We review attendance levels to ensure appropriate coverage limits for public gatherings.
What limits do municipalities require?▼
Most require $1,000,000 per occurrence. Large events may require higher limits.
Can I add the city as additional insured?▼
Yes, we add municipalities as additional insured per permit requirements.
How far in advance should I request coverage?▼
Request coverage when applying for permits, typically 4-6 weeks before public events.

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 InsuranceParade InsuranceFestival InsuranceMunicipal Event Insurance

Ready to get started?

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

Request Coverage