Special Events: Holiday Parties, Festivals, and Tree Lighting Ceremonies 

From community tree lightings to corporate holiday parties, special events come with increased liability exposure. Large crowds, vendors, live entertainment, and festive décor can all heighten the risk of accidents or property damage.

Event organizers and hosts can be held liable for guest injuries or damages—even when caused by vendors or attendees. In fact, many venues require proof of insurance before allowing an event to take place.

Event Liability and Liquor Liability coverage can help protect clients from these unexpected claims, while Event Cancellation coverage safeguards them from financial losses if weather or other disruptions derail their plans.

• Agent tip: Be proactive—reach out to business or community customers now to ask if they’re hosting or sponsoring any upcoming events.

Christmas Tree Lots

Pop-up Christmas tree lots bring festive spirit to neighborhoods—but they also bring unique risks. High foot traffic, temporary setups, and fire hazards from dry trees all increase liability exposure.

From a customer tripping over cords to damage caused by falling trees or tents, these operations need protection. General Liability (GL) insurance provides coverage for bodily injury or property damage claims, while also meeting the requirements many landlords have for temporary leases.

• Agent tip: Emphasize seasonal coverage options—affordable, short-term policies are perfect for tree lot operators who only need coverage for a few weeks.

Christmas Light Installation Contractors

It’s one of the most popular seasonal services—and one of the riskiest. Light installation contractors face potential claims related to property damage, bodily injury, and electrical hazards.

A small mishap, like a broken gutter or short-circuited strand of lights, can quickly lead to costly liability claims. General Liability coverage helps protect these contractors from client lawsuits and out-of-pocket expenses if accidents occur.

• Agent tip: These businesses often don’t realize how exposed they are—position yourself as their go-to advisor for winter coverage needs.

Interior Holiday Décor Coordinators

From commercial building lobbies to luxury homes, professional decorators help create picture-perfect holiday scenes. But working inside client spaces opens the door to accidents—like damaging valuable décor or causing a trip hazard with extension cords.

General Liability insurance can safeguard them against third-party injury or property damage claims, while Professional Liability provides added protection if their design recommendations lead to costly mishaps.

• Agent tip: Many interior decorators work seasonally or part-time, so short-term coverage options are a great fit.