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Fall Festivities and the Importance of Special Event Liability Coverage
Jason Tully
As the fall season approaches, many in our community are gearing up for autumn-themed activities such as corn mazes, festivals, and even haunted houses. Whether you're hosting a small local gathering or organizing a large public event, this season presents a great opportunity to connect with customers and neighbors through fun and memorable experiences. However, while these events can bring joy and engagement, they also come with certain risks—especially when it comes to liability.

Special Event Liability: What It Is and Why You Need It

If you’re planning to host a fall event, such as a harvest festival or pumpkin patch, it's essential to consider special event liability insurance. This type of coverage protects both event organizers and the venue from claims related to property damage or injuries that might occur during the event. Given the higher risk associated with large gatherings, many standard commercial insurance policies exclude coverage for special events. That’s why special event liability is crucial—it can save you from financial strain in case something goes wrong, like a slip-and-fall accident or property damage caused by event attendees.

At Tully Insurance Agency, we strongly recommend reviewing your insurance needs before hosting any large events. Having the right coverage in place allows you to focus on creating a great experience for your guests while minimizing the risk of unexpected costs.

Example: The Hopkins County Stew Contest

For those in the Sulphur Springs, TX area, an upcoming event that serves as a perfect example of fall-themed fun is the World Champion Hopkins County Stew Contest. Held on the fourth Saturday in October, this annual event features over 150 teams cooking delicious chicken or beef stew over open wood fires. With a history dating back to 1969, the contest continues to draw thousands of spectators, with over 7,000 people attending last year alone.

While this event is a beloved tradition, it’s also a large-scale public gathering, making it a prime candidate for special event liability coverage. Events like these involve cooking, open flames, and crowds, all of which increase the potential for accidents. Ensuring proper insurance coverage allows event organizers to focus on delivering a memorable experience without worrying about unforeseen liabilities.

How to Get Covered

If you're hosting a similar fall-themed event, now is the perfect time to explore special event liability coverage. Whether it’s a small neighborhood gathering or a county-wide festival, being properly insured ensures that you're prepared for any unexpected incidents. At Tully Insurance Agency, we’re here to help guide you through your options and find the right coverage to fit your event.

Feel free to give us a call to discuss your needs or to explore how special event liability insurance can offer you peace of mind while you enjoy the festive season.
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