Coverage Definitions

General Liability

What is covered?

Covers the insured for losses due to bodily injury or property damage caused by the insured’s employees or agents. Locations and vendors will require general liability for 1,000,000

General Aggregate and Occurrence Differences?

The aggregate is the total liability limit for the policy period. The occurrence is the limit per claim.

Are "additional insureds" included?

Blanket additional insureds are included and your vendors and locations will be provided with certificates of insurance naming them as additional insured in the event of a loss. An unlimited number of certificates of insurance can be issued, including certificates for cities and government entities.

What is a Waiver of Subrogation?

Occasionally a vendor will request a waiver of subrogation. In the event of loss, this prevents your insurance company from recovering any funds from the vendor if the claim was due to the vendor’s negligence. A separate premium applies.

Liquor Liability

What is covered?

Liquor liability provides covers the following losses for which you may be held liable for: 1) causing or contributing to the intoxication of a person, 2) The accidental furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol, or 3) Any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages. Note that host liquor is not included without purchasing liquor liability coverage.

Third Party Property Damage

What is covered?

Covers damage to property of others while in the care, custody and control of the insured (i.e. damage to the floors in a facility you are renting).

Automobile (Hired & Non-Owned)

What is covered?

Liability for vehicles rented for the event. Liability covers injury to third parties or damage to their property.

Equipment, Prop, Sets and Wardrobe

What is covered?

Camera, sound, lighting and miscellaneous rented and/or owned equipment. Props, sets, and wardrobe are covered.

How much should I insure for?

The insurable value should be the total value of your rented equipment, props, sets, and wardrobe from all vendors. For Owned equipment you should be covered for the cost to replace your equipment.

Can the deductible be changed?

No. The deductible is set and based on the total limit of equipment, props, sets, and wardrobe.

Are "Loss Payees" included?

Equipment insurance includes your vendors being provided with certificates of insurance naming them as loss payee in the event of a loss. Unlimited certificates can be issued.

Excess Liability

What is covered?

The excess liability provides an additional layer of coverage over the general liability, and hired & non-owned auto liability. The excess liability is not excess over liquor coverage.

Spectators & Participants Medical

What is covered?

Expenses incurred by a Participant or Spectator for services recommended and approved by a Physician (and listed on the Schedule of Services) which result from a covered injury.