Q: I know insurance covers people and property, but what do you mean by special event coverage?

A: This is what is known as Specialty Insurance. TW covers seasonal businesses like food booths at county fairs or arts festivals under the specialty insurance program. It may cover your sportsman’s club where you gather with fellow members during hunting season. It also covers special occasions like wedding receptions for damages and liability.

Did You Know?

Spoiled food in freezers and refrigerators are often NOT covered under homeowners policies, but exceptions abound from state to state. Coverage would be more likely if the source of the power outage is nearby, such as a line break. Check with your agent. (Insurance Information Institute)