SPECIAL EVENTS LIABILITY COVERAGE is available to cover activities that are unique or unusual for a business operation such as festivals, concerts, exhibitions, and other similar events on its premises that are not part of its day-to-day operations. While coverage may be available under a business's commercial CGL, it may be excluded by the underwriter because of the increase of hazard. Having a separate coverage form specific to event is a way to shield the standard operation's CGL limits from being exhausted by a special activity.