Insurance For Events

As we approach September, I am reminded of the Oklahoma State Fair.  It has been held in September as long as I can remember, and it has always rained during the fair’s time here.  This year we have suffered a horrible drought and heat wave, so I will not be complaining.  However, it does make me think about all the other events held throughout the year and what Event Insurance policies have been purchased.  There is an unwritten rule that where large numbers of people are gathered, there is always risk of bodily injury or property damage.  Risks are many times not fault of the event’s organizer but of weather.  An example of this is the recent tragedy of a stage collapsing in Indiana due to high wind.

 

But there are other types of exposures to be considered.  Event coordinators or even the venue itself becomes legally liable alone due to contractual language of a signed lease.  Also these events may suffer a monetary loss due to cancellation of the planned event.   Purchases for weather insurance, or other unforeseen risk such as fire and earthquake rendering the venue unusable may be made.  Other exposures may include liquor liability, rides, and petting zoos for which an insurance policy may be purchased.  If you are planning an event, talk with your insurance agent regarding possible exposures or one of ours to be assured of obtaining proper coverage.

 

Commercial Insurance.Net, LLC Advisor is not an attorney, accountant or certified financial planner and makes no representations or warranties to that effect.  Always check with your chosen professional as to statements made in this blog for your particular situation.

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