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Hosting a public special event may require temporary insurance coverage. Special event insurance offers liability protection and protection against damage and theft.
Understanding Special Events
A special event is a pre-planned occasion held for a specific duration in a public or private venue. If you’re planning to host an event soon, it’s crucial to consider the associated risks and the need for special event insurance.
Assessing the Venue and Layout
Review the venue you’ll be using for the event. Inspect the layout if it’s an indoor venue or the property if it’s an outdoor event. Prepare plans outlining the placement of furnishings, booths, decor items, food, and other essentials for the event. Once you’ve recorded this information, identify any potential issues that might necessitate special event insurance coverage.
Liability Protection
Liability protection covers you if anyone gets injured at the event or if there’s damage to another person’s property. You may need different types of liability protection, especially if you’re featuring vendors at the event or if the venue requires specific coverage.
Protection Against Damage and Theft
Damage and theft protection covers any items you own and are responsible for, including repair and replacement costs.
Contact an Insurance Agent in Pooler, GA
Contact one of our TruePoint Insurance agents to discuss special event insurance. An agent will schedule a consultation to speak with you.
Haunted houses have been a part of Halloween in America for
over 75 years. Many of the first haunted houses were associated with
corporations. Yet, it was the nonprofit sector that made haunted houses a part
of Americana.
In recent year’s haunted houses started to fade. Sponsoring organizations such as churches, and school groups, have backed away. Like so many other things in our lives, the culprit is government red tape.
Personal Injury Claims and Haunted Houses
Haunted House
In the past, successful lawsuits against haunted houses have
been limited. We can point to three factors that significantly contributed to
this:
Consumers can readily identify and assume the risk
Haunted houses are open for only a brief time each
year. The risk of something going wrong
increases with time. Since these events
are seasonal dangerous conditions are less likely to develop.
Proof! Claims of
injury or damages were often dismissed due to lack of proof. What’s changed? Cell phones!
Access to information relative to compensation for injuries or damages.Â
It’s not the haunted house; it’s the Attorneys that scare me!
That was the past. If someone is injured at a Special Event today, they are much more likely to seek compensation. Recently I did an online search for “Haunted Houses.” I should have known better. But the truth is, what I found was horrifying. On page one of my search results was a blog post from a personal injury attorney.
Times have changed.
Seasonal Events have become considerably riskier. If you are planning a haunted house,
hayride, or any other seasonal event, take a moment an to consider the
risk. It’s also wise to reach out to an
independent insurance agent for input. Most agents will likely recommend
insurance if appropriate. They may also provide insights into your
process. Identifying opportunities to
reduce or avoid risk. They should also
present products to transfer risks associated with production. Some of the more
common suggestions are:
Waiver or Release
Before allowing entry most all require a signed release or
waiver of liability. As long as the
disclosures describe the risk, consumers to sign the waiver assume the risk.
Limited Liability Company (LLC) or Incorporate (Inc.)
Setting up a business entity is an excellent way to limit
liability. Undertakings done with these corporate structures are separate from
your personal assets.
General Liability Insurance
General Liability Insurance protects a business against
bodily injury or property damage claims. Tripping over a cord, cuts caused by
exposed nails, injuries or losses caused by chemicals, and falling props: are a
few examples where GL coverage would provide protection.
Workers Compensation Insurance
Work Comp protects employees that become injured while
working for you. If your special event has employees, you need this coverage.
There are very few exceptions to this. Special rules apply to partners,
sub-contractors, members, and volunteers. Call an Independent Insurance Agent
for a better understanding of your requirements.
Property Insurance
Your Special Event may alter coverage needs on buildings
that you own or lease. It is essential to discuss your event with your
insurance agent.
Inland Marine
You may use mobile equipment or other property in your
haunted house or corn maze. This should
be covered with inland marine coverage.
Commercial Auto
Most automobiles used in your Special Event will already
have coverage. The question is, will they have enough? Unless your vehicles are
owned by an LLC or other business, then your entity is exposed. It needs to be!
In the event of legal action, your organization most likely will be named in
any lawsuits. To protect yourself from this, you should consider Hired and Non-Owned
Coverage.
Volunteer Accident Insurance
Injuries to employees are covered by the work comp policy. But what happens if a volunteer is injured? They can most likely be covered by purchasing a Volunteer Accident Policy. However, there are many gray areas where you might run aground. We suggest that you speak with an independent Insurance Agent beforehand.
Fall is the season for haunted houses, corn mazes, and other
seasonal events. Common sense, caution, and communicate with a commercial
insurance agent. It’s the best approach
if your planning to host any of these.
Call a TruePoint Insurance Commercial Agent at (502)
410-5089. They will be happy to discuss your options in managing your specific
risk.
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