Hi readers, I HAVE to concur with Mr Lipinsky here. As a 501c3 org. Ferret Wise was also paying yearly insurance premiums when holding outside events. And you need to check with city officials who MAY REQUIRE it. Many municipalities will mandate insurance coverage of at least 1 million dollars. This was some of the unseen costs which we were required to provide in years past to run our gatherings such as Ferretstock ( the earlier events not the party in Maryland) . All it takes is a passerby getting scratched by a ferret or tripping and falling on the grounds never mind over an animal an you may see your 501c3 embroiled in messy circumstances for years to come. Being 501c3 has advantages... but lawsuits still can occur, and your non profit designation will not protect you.! Check insurance companies many times the one day insurance is almost as much as a years policies... for the years events you need to have predetermined dates for events at the time of purchase. The blanket policy is a cost savings of great proprtion. Just my 2 cents Alicia at www.ferretwise.org [Posted in FML 6224]