Low Hazard Special Events Insurance - Stratum Insurance Agency LLC

Low Hazard Special Events Insurance Program

General Liability Insurance for Small, Short Term Events

Host Liquor Included

The Liability Insurance

Coverage is limited to events meeting the following conditions:

Events must be less than 5 consecutive days.
Number of attendees per day must be 500 or less.
Event may only have one location.

$1,000,000

(Protects you in the event of a lawsuit or property damage)

Who is Covered

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims.

Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.

Coverage includes suits arising out of:

Injury or death of spectators
Injury or death of volunteers
Property damage liability
Incidental medical malpractice
All activities related to the event
Ownership, use or maintenance of facilities
General negligence claims
Cost of investigation and defense of claims, even if groundless
Corporal Punishment
Host liquor liability
Professional liability (involves specialized education, knowledge, labor, judgement and skill that is predominately mental or intellectual)
Additional Insured parties may be added at no charge.

Exclusions for Commercial General Liability Coverage, include but are not limited to the following:

Access or Disclosure of Confidential or Personal Information and data-Related Liability – With Limited Bodily Injury Exception, Coverage C – Medical Payments, Employment Related Practices Exclusion, Fungi or Bacteria, Exclusion of Other Acts of Terrorism Committed Outside the United States; CAP on Losses from Certified Acts of Terrorism, Exclusion of Punitive Damages Related to Terrorism, Liability Arising Out of Lead, Silica or Related Dust Exclusion, Nuclear, Biological, or Chemical Exclusion, Failure to Provide Waiver and Release Sublimit, Exclusion – Organic Pathogens. All of the above are subject to the terms and conditions of the policy.

Excluded Activities:

The ownership, operation, maintenance arising out of the use of inflatable recreational devices or inflatable amusement devices of any kind.

Any use, event or display arising out of fireworks, or any other use of pyrotechnics including any firework sales.

Any use, handling, or storage of any firearms, ammunition, or explosives.

Any operations involving bungee devices (except for indoor bungee fitness), carnival rides, corn cannons, organized equine racing contests, organized equine vaulting or jumping contests, leasing of horses, jumping pillows, knocker ball, bubble soccer, Zorb ball, mechanical bucking devices including multi-ride attachments, aerial activities above 12 feet, rock climbing activities, activities involving permanent or mobile rock wall climbing structures, zip lines, pumpkin launching devices, rope challenge courses, water skiing, surfing, white water rafting or kayaking, tackle football, ATV/UTV, tracked or trackless train rides, trampolines, bike related trick or stunt activities or contests, Zippy Pets, haunted houses, haunted trails or haunted boats or barges, demolition derbies of any kind, independent security services other than a contracted public law enforcement officer.

Premium Rates

Premium rates begin at*:

$1,000,000 General Aggregate: $120.00 Premium + $145.00 Administrative Fee = $265.00 Total
$2,000,000 General Aggregate: $126.00 Premium + $145.00 Administrative Fee = $271.00 Total
$3,000,000 General Aggregate: $132.00 Premium + $145.00 Administrative Fee = $277.00 Total
$4,000,000 General Aggregate: $138.00 Premium + $145.00 Administrative Fee = $283.00 Total
$5,000,000 General Aggregate: $144.00 Premium + $145.00 Administrative Fee = $289.00 Total

*Note: Higher premiums may apply in select coverage states.

Please note that a 3% Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL.

The Optional Coverages

Hired and Non-Owned Automobile Liability Coverage

This liability coverage provides protection for rented, borrowed and other non-owned vehicles operating during the policyholder’s special event.

Excess Liability Coverage

This coverage provides additional liability limits increasing the liability coverage per each occurrence.

Increased Aggregates

This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.

$10,000 Medical Expense Benefit

This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.

Abuse or Molestation

Liability coverage is provided for claims arising out of alleged abuse or molestation as well as alleged physical and non-physical abuse (verbal, mental or emotional abuse).

Insurer

The General Liability and Accident coverage are provided by Great American Insurance Company (Admitted) (A+ Superior XV A.M. Best)

For Questions: Stratum Insurance Agency LLC
(949) 270-0609
helpdesk@stratuminsurance.com