When fall approaches, many organizations begin planning seasonal festivities. Among the most popular is trunk-or-treat—a family-friendly alternative to traditional trick-or-treating where participants get in costume, decorate their car trunks and distribute candy in a centralized location, often a parking lot.

While trunk-or-treat events offer a more controlled environment for children, they also present unique liability risks and safety concerns that organizations must proactively address. Understanding and mitigating these risks is essential to protecting your people, property and reputation.

Why trunk-or-treat events are popular

Trunk-or-treats are appealing for a variety of reasons, including:

• Safety: They reduce the risks associated with children walking in dark neighborhoods or crossing busy streets.
• Community engagement: They foster a sense of belonging and provide outreach opportunities.
• Convenience: They’re easier to manage logistically than door-to-door trick-or-treating.

However, the very elements that make trunk-or-treats attractive—large crowds, vehicles, children and nighttime activities—also introduce potential hazards.

Key risk areas to consider

1. Parking lot safety

The parking lot is the heart of a trunk-or-treat event—and also the most significant risk zone.

Best practices:

• Block off areas where vehicles will be parked for the event and prohibit any vehicle movement during the festivities.
• Clearly mark entrances, exits and no-drive zones with cones, caution tape or temporary fencing.
• Ensure the area is well-lit, especially if the event occurs after dusk. Consider portable lighting if permanent fixtures are inadequate.

2. Traffic control

Managing traffic flow before, during and after the event is critical.

Best practices:

• Schedule staggered arrival times for participants setting up their trunks.
• Assign volunteers or hire professionals to direct traffic and assist with parking.
• Create a clear traffic plan and communicate it to attendees in advance.

3. Trip and fall hazards

Children in costumes, uneven pavement and decorations can all contribute to trip-and-fall incidents.

Best practices:

• Inspect the area beforehand for potholes, cracks or debris.
• Keep walkways clear of cords, decorations and other obstructions.
• Encourage well-fitting costumes and discourage masks that obstruct vision.

4. Food and candy safety

Candy distribution is central to trunk-or-treat events, but it comes with its own set of concerns.

Best practices:

• Only distribute commercially packaged candy to avoid contamination risks.
• Avoid homemade treats unless local health regulations and insurance policies permit them.
• Label allergen information clearly if offering snacks or drinks.

5. Supervision and security

Large gatherings require adequate supervision to ensure safety and prevent incidents.

Best practices:

• Have a volunteer-to-attendee ratio that allows for effective monitoring.
• Use name tags or wristbands for children and volunteers.
• Establish a lost child protocol and communicate it to all volunteers.

6. Emergency preparedness

Even with the best planning, emergencies can happen.

Best practices:

• Have a first aid station staffed by trained personnel.
• Ensure access for emergency vehicles by keeping drive lanes clear.
• Share emergency contact info and procedures with volunteers and staff.

Insurance considerations for trunk-or-treat events

Before hosting a trunk-or-treat, review your organization’s insurance coverage:

• General liability: Ensure your policy covers events held on your premises and includes protection for bodily injury and property damage.
• Special event coverage: If your trunk-or-treat is open to the public or involves outside vendors, you may need additional coverage.
• Volunteer coverage: Confirm that volunteers are covered under your liability policy or consider adding volunteer accident insurance.
• Auto liability: If vehicles are part of the event, make sure your policy addresses auto-related incidents, especially if staff or volunteers are driving.

Tip: Consult your insurance carrier or broker well in advance to discuss your event and any necessary endorsements or riders.

Communication and training

Clear communication is key to a safe and successful event.

Best practices:

• Hold a pre-event briefing for volunteers to review safety protocols and emergency procedures.
• Distribute a safety checklist to trunk participants.
• Use signage and maps to guide attendees and reduce confusion.

Accessibility and inclusion

Make sure your event is welcoming and accessible to all.

Best practices:

• Provide accessible parking and pathways for individuals with mobility challenges.
• Offer sensory-friendly options for children with autism or sensory sensitivities.
• Use inclusive language in promotional materials and signage.

Post-event review

After the event, conduct a debrief to identify successes and areas for improvement.

Best practices:

• Gather feedback from volunteers and attendees.
• Document any incidents and report them to your insurance provider if necessary.
• Update your safety plan based on lessons learned.

Protecting what matters most

Trunk-or-treat events are a wonderful way to bring communities together in celebration. With thoughtful planning and attention to risk management, your organization can host a safe, inclusive and memorable event that reflects your mission and values.

By following these best practices, you not only protect your people and property—you also build trust with your community and demonstrate your commitment to safety and stewardship.

Looking for more resources to help your organization manage risk? Explore Church Mutual’s risk management resources, including expert articles, checklists and guides designed to help you protect your people, property and purpose.

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The information contained in these materials is intended solely to provide general guidance on topics that may be of interest to you. While we have made reasonable efforts to present accurate and reliable information, Church Mutual Insurance Company, S.I. and its affiliates disclaim all liability for any errors or omissions or for any actions you take or fail to take based on these materials. The information provided may not apply to your particular facts or circumstances; therefore, you should seek professional advice prior to relying on any information that may be found in these materials.

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