Indiana Special Events Product Highlights Liquor Liability Inspections TRIA General Liability UW File Product Highlights Our Special Event program is designed for both private and public event coverage. Event types include low exposure parties such as weddings and reunions, up to trade shows and sporting competitions and even haunted houses and hay rides. The program meets the needs of a wide variety of insured types including event organizers, participants, vendors and exhibitors. Our target events are meant to be written on short term, non-renewable policies with the option to write annual renewal policies for insureds that need it. Policies providing coverage for multiple events on non-consecutive days will limit coverage to only the days of the scheduled events. Coverage can also be extended for days used to set up and/or tear down for the event(s) for no additional charge. Liquor Liability coverage is available for most eligible event types. The coverage must be packaged with an acceptable General Liability exposure to be eligible for consideration. Low minimum premiums make for a very appealing add-on to a strong package product. The first Additional Insured from the group below is included at no additional charge; each additional one after the first Additional Insured from the group is $50: • Additional Insured – Managers or Lessors of Premises – CG 20 11 • Additional Insured - Grantor of License – CG 20 36 • Additional Insured – State or Governmental Agency… - Permits or Other Authorizations – CG 20 12 • Additional Insured – Lessor of Leased Equipment – CG 20 28 The Additional Insured forms below are included at no additional charge when needed • Additional Insured - Church Members and Officers - CG 20 22 • Additional Insured – Users of Golfmobiles – CG 20 08 • Additional Insured – Club Members – CG 20 02 • Additional Insured – Charitable Institutions – CG 20 20 PRODUCT HIGHLIGHTS Product Highlights
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IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Product Highlights
Our Special Event program is designed for both private and public event coverage. Event types include low exposure parties such as weddings and reunions, up to trade shows and sporting competitions and even haunted houses and hay rides. The program meets the needs of a wide variety of insured types including event organizers, participants, vendors and exhibitors.
Our target events are meant to be written on short term, non-renewable policies with the option to write annual renewal policies for insureds that need it. Policies providing coverage for multiple events on non-consecutive days will limit coverage to only the days of the scheduled events. Coverage can also be extended for days used to set up and/or tear down for the event(s) for no additional charge.
Liquor Liability coverage is available for most eligible event types. The coverage must be packaged with an acceptable General Liability exposure to be eligible for consideration. Low minimum premiums make for a very appealing add-on to a strong package product.
The first Additional Insured from the group below is included at no additional charge; each additional one after the first Additional Insured from the group is $50:
• Additional Insured – Managers or Lessors of Premises – CG 20 11
PREMIUM BASIS: Varies by special event class – Total Attendance; Gross Sales; or Event Days
MINIMUM PREMIUM: $250 - $800 depending on class
DEDUCTIBLE: $250 BI & PD Combined (minimum)
APPLICATION: Special Event Supplemental Application with loss history and prior carrier information (if applicable)
AUTHORITY:
Overview
Coverages Limit
Each Occurrence $1,000,000 (Refer to Excess Liability
Section if higher limits are required)
General Aggregate $3,000,000
Products & Completed Operations Aggregate Included
Personal & Advertising Injury $1,000,000
Damage to Premises Rented to You $100,000
Medical Payments $5,000
Coverages Debit Credit
Commercial General Liability Unlimited 25%
(not to be applied to Minimum Premiums)
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Overview
Classifications
Eligibility
Optional Coverages
Forms
Classifications
Page 1 Page 2 Page 3
CLASSIFICATIONS
Animal Events
• Dog Walks
• Dog/Cat Shows
• Pet Adoption Events
Conference and Meetings
• Business Conferences
• Business Meetings
• Religious Meetings
Educational
•Book Signings
•Educational Lectures
•Educational Seminars
•Educational Workshops (limited hands-on exposure is acceptable)
•Model Legislatures
•Outstanding Youth Programs
•Speaking Engagements
Festivals and Parades
• Beer Festival
• Carnivals
• Circuses
• Fairs (local or county only)
• Festivals
• Parades – Organizers
• Parades – Participants
• Tastings – Wine, Beer or Liquor
• Wine Festival
Film and Television
• Closed Circuit TV Viewing
• Film Screenings or Showings
• Film or Photo Shoots (no stunts or pyrotechnics; PI/AI and professional excluded)
Fundraisers
• Bachelor/BacheloretteAuctions
• Benefits
• Bingo Games (charity-sponsored)
• Car Washes
• Casino Nights (charity-sponsored)
• Charity Events
• Meal Fundraisers (charity-sponsored)
• Silent Auction
• Telethons
• Toy Drives
• Walk-a-thons
Life Events
• Anniversary Celebrations
• Bar Mitzvah or Bat Mitzvah
• Graduation Ceremony
• Memorial Services
• Quinceañera
• Reunions
• Wedding Receptions
• Wedding Ceremony
Page 1
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Overview
Classifications
Eligibility
Optional Coverages
Forms
Classifications
Page 1 Page 2 Page 3
CLASSIFICATIONS
Sales Events and Auctions
• Automobile Auctions
• Bake Sales
• Bazaars
• Craft Shows
• Direct selling consultant parties
• Estate Sales
• Farmers Markets
• Flea Markets
• Garage Sales
• Home and Property Auctions
• Livestock Auctions
• Rummage Sales
• Sidewalk Sales
• Yard/Rummage Sales
Seasonal Events
• Christmas Caroling
• Christmas lighting ceremony
• Christmas Party
• Christmas tree lots
• Corn Maze
• Easter Egg Hunt
• Haunted Forests
• Haunted Houses
• Hay Rides
• Holiday walking tour
• NYE Party
• Pumpkin Patches
• Santa Houses
• Singing Valentines
Social Gatherings
• Award Presentations
• Balls/dances (no minors)
• Banquets
• Barbeques and pig roasts
• Block Parties
• Debuts or debutante balls
• Gala
• Garden Walking Tour
• Historical walking tour
• Ice Cream Socials
• Lady's Club Events
• Pancake Breakfasts
• Picnics
• Retreats
Non-athletic Competition• Board Game Tournament
• Card tournaments
• Chess events
• Cooking Contests
• Singing Competitions
• Aerobics
• Camping Trip
• Canoeing (no rapids exposure)
• Hiking
• Hunts/shoots (limited to small and medium game on easily passable terrain)
• Kayaking (no rapids
exposure)
• Rowing
• Scavenger Hunts
• Yoga
• Zumba
Recreation
Live Performances
• Ballet
• Beauty Pageants
• Classical Dance Show
• Concerts
• Dance Recitals
• Historical Battle Reenactments
• Marching Band
Performance
• Musical Recitals
• Plays or Theater Productions
• Poet or Poetry Readings
• Talent Search/Shows (children only)
Page 2
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Overview
Classifications
Eligibility
Optional Coverages
Forms
Classifications
Page 1 Page 2 Page 3
CLASSIFICATIONS
• Archery Tournaments
• Baseball Tournaments
• Basketball Tournaments
• Body Building Competitions
• Bowling tournaments
• Dance Competitions
• Dodgeball Tournaments
• Fencing Tournaments
• Fire Department Water Fights
• Fishing Tournaments
• Golf tournament
• Kickball Tournaments
• Logging competitions
• Martial Arts/Karate/Judo
Tournaments
• Pool/billiard Tournament
• Punt, Pass & Kick Competitions
• Run/Walks up to 10k
• Shooting/Skeet Competitions
• Soap Box Derbies
• Soccer Tournaments
• Softball Tournaments
• Surfing Competition
• Swimming Tournaments (in pools only)
• Tennis Tournaments
• Tractor Pulls
• Volleyball Tournaments
Sporting Events and Competitions
• Antique shows
• Art shows or displays
• Auto Shows (no racing, stunting or burnout competitions)
• Baby shows
• Boat Shows - no water exposure
• Collector shows
• Fashion Shows
• Fishing and Outdoor Shows
• Flower shows
• Health fairs (exclude professional)
• Home improvement shows
• Home Shows
• Job or career fairs
• Lawn and garden shows
• Parade of homes
• RV Shows
• Wedding Shows
• Vacation Shows
Trade Shows and Fairs
Vendors
• Concession/Refreshment Stands
• Demonstrations in Stores
Page 3
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Overview
Classifications
Eligibility
Optional Coverages
Forms
Eligibility
General Event Types ActivitiesConcerts and
FireworksHaunted House and Hay Rides
Loss History
ELIGIBILITY
Category Submit Prohibit
Territory Events located in WI
Exposures Gross ticket sales exceeding $250,000 Attendance greater than 10,000 Requests for less than 100% minimum earned
premium Requests to use CG 20 26 – Additional Insured –
Designated Person or Organization Requests to add CG 25 04 – Designated Locations
General Aggregate Limit Events that don’t require all contractors and
vendors to provide certificates of insurance
Alcohol Service Host liquor liability coverage (removal of the total liquor liability exclusion)
Assault or Battery Coverage
Removal of the A&B exclusion
Security Contracted armed securityo Certificates of insurance are required and
must name our insured as an Additional Insured
• Employed armed security
General
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Overview
Classifications
Eligibility
Optional Coverages
Forms
Eligibility
General Event Types ActivitiesConcerts and
FireworksHaunted House and Hay Rides
Loss History
ELIGIBILITY
Category Submit Prohibit
Event Types Business meetings/conferences with activities taking place outside of a typical conference room environment
Circuses Hunts or shoots Knife shows Motorized vehicle events Religious meetings
Airshows Bicycle rides and races Boat cruises Boat races Boat shows with an in
water exposure Celebrity-hosted
parties Cheerleading
competitions Clean up projects College
fraternity/sorority events
Demolition derbies Demonstrations or
marches Dog sled races Filming or
photography shoots that utilize stunts or pyrotechnics
Fireworks stands Foam parties Food eating
competitions Gun Shows Horse shows
Marathons Motorcycle rides or
rallies Motocross Mud Runs Mudding events –
rallies and bogs Obstacle course races Paintball Poker runs Political events Pool parties Proms or prom parties Professional sporting
events Pub crawls Raves Rodeos (refer to
Equine IPG) Roller derbies Snowmobile races Tailgates Triathlons Union meetings or
events
Event Types
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Overview
Classifications
Eligibility
Optional Coverages
Forms
Eligibility
General Event Types ActivitiesConcerts and
FireworksHaunted House and Hay Rides
Loss History
ELIGIBILITY
Category Submit Prohibit
Activities Events with bonfires or open pit fireso All fires must be confined to a controlled area,
bounded by stone or metal (uncontrolled fires are prohibited)
o Burning of anything other than wood is prohibited
o Oversight of the fire should be provided by a FD or someone with knowledge of monitoring and controlling fires
o Water or fire extinguishers are required to be available
Horse drawn rides Trade show booths that allow attendees to
participate in physical activities or use any type of equipment or machinery
Pumpkin throwing, launching or catapulting (area must be fenced to keep spectators out)
Amusement rides owned or operated by the insured
Airsoft gun usage Bungee jumping Construction exposures (e.g. – Habitat for
Humanity) Educational workshops that allow for participants
to use power tools, machinery or weapons Events held at airports Hot air balloon rides Hunts for dangerous game such as bears, wild big
cats (mountain lion, cougars, panthers, etc.) or alligators/crocodiles
Hunts taking place on dangerous terrain such as steep mountain sides and cliffs
Inflatables o This exposure is acceptable but excluded by
endorsement if the inflatable exposure is rented from and run by a third party vendor.
o Owned inflatable exposures are not eligible for coverage.
Skydiving or parachuting Trampolines Water rides and slides
Activities
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Overview
Classifications
Eligibility
Optional Coverages
Forms
Eligibility
General Event Types ActivitiesConcerts and
FireworksHaunted House and Hay Rides
Loss History
ELIGIBILITY
Category Submit Prohibit
Concert Exposures Concert/event promoters Heavy metal Hip hop Punk rock Rap Electronic Dance Music (EDM) concerts/festivals
Fireworks Exposure Indoor fireworks or pyrotechnic displays Certificates of insurance showing at least $1M in
coverage for fireworks liability not being collected from the company do the setup and ignition of the display
Employees or volunteers of the insured performing or assisting in the setup or ignition of the displays
Minimum distance between spectators and the display not being maintained as required by the local fire department overseeing the evento If no recommendation from the fire
department is given, the distance should be no less than 200 feet between the spectators and the fireworks display
Concerts and Fireworks
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Overview
Classifications
Eligibility
Optional Coverages
Forms
Eligibility
General Event Types ActivitiesConcerts and
FireworksHaunted House and Hay Rides
Loss History
ELIGIBILITY
Category Submit Prohibit
Haunted Houses/Forests
Locations that take place in:o Condemned or abandoned buildingso Basementso Boats or barges
Use of empty hangmen ropes, knives, swords and similar items
Use of chain saws (with or without chains) Use of chutes, ladders or slides. Moving floors or trap doors Open flames Electric shocks Cardboard construction Patrons are allowed to touch or interact with
displays or skits Actors are allowed to touch patrons Black outs Smoking allowed on premises
Hay Rides Rides not specifically designed and constructed by others to transport people (no DIY)
Seats for riders that are not permanently mounted
Not being equipped to prevent riders from falling Operators under 18 years of age Operating on or crossing any public street, road,
highway or thoroughfare
Haunted House and Hay Rides
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Overview
Classifications
Eligibility
Optional Coverages
Forms
Eligibility
General Event Types ActivitiesConcerts and
FireworksHaunted House and Hay Rides
Loss History
LOSS HISTORY
Submit Prohibit
• Any claims greater than $10,000 for the same event in the past 5 years
Loss History
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
Overview
Classifications
Eligibility
Optional Coverages
Forms
General Liability
Optional Coverages
OPTIONAL COVERAGESAssault or Battery SublimitSpecial events will have Assault and Battery excluded by default. Sublimits can be purchased with this coverage. The premium for this limited coverage is calculated as a percentage of the General and Liquor Liability premium.CGL 387 Assault or Battery Hazard Limited Coverage
IPG 003 04 16 Commercial General Liability Declarations
IPG 008 04 16 Commercial General Liability Coverage Form Schedule
CG 00 01 04 13 Commercial General Liability Coverage Form
CG 03 00 01 96 Deductible Liability Insurance
CG 21 06 05 14 Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability –With Limited Bodily Injury Exception
Inspections are not required for Special Events, however inspections should be ordered when good judgement suggests!
Inspections
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW File
TRIA
TRIA
TRIA
Forms attached to policy if insured accepts TRIA
Interline
IL 09 85 01 15 Disclosure Pursuant To Terrorism Risk Insurance Act
Liability
CG 21 70 01 15 Cap On Losses From Certified Acts of Terrorism
CG 21 76 01 15 Exclusion Of Punitive Damages Related To A Certified Act Of Terrorism
CG 21 87 01 15 Conditional Exclusion Of Terrorism (Relating To Disposition Of Federal Terrorism Risk Insurance Act)
Forms attached to policy if insured rejects TRIA.
Liability
CG 21 73 01 15 Exclusion Of Certified Acts Of Terrorism
CG 21 87 01 15 Conditional Exclusion Of Terrorism Relating To Disposition Of Federal Terrorism Risk Insurance Act
CGE 506 Notice - Offer Of Terrorism Coverage Notice - Disclosure Of Premium must be completed by the insured prior to binding. This form is automatically attached to all quotes.
UW FILEUpon issuance, please send the following documents to [email protected]:
• Acord Application – completed and signed• Supplemental questionnaire – completed and signed• Prior carrier loss history
• Annual event policies - three years for each of the lines issued with us (insureds in business less than three years must provide loss runs for all years they have been in business if applicable)
• All others – signed application indicating no losses• Other underwriting documentation such as correspondence with your agent, prior carrier audit reports if
available, website screenshots, etc.
If an endorsement is issued during the policy term, the same requirements as above apply; provide details on the reason for the change for our company file.
Your policy file shall contain, at minimum, the following:
CapSpecialty will monitor compliance through its Portfolio Management Review Process.
• Original Submission Documents• Rating, including supporting documentation for all
applied credits and/or debits and/or justification for any individual risk modification factors
• Quotes or proposals• Any subjectivities requested at quote or bind,
documentation of subsequent decision to waive subjectivities
• Binders• Any correspondence on coverage, premium, referrals
and company approvals• Any premium audits
• Policy formso Declarations Pageo All policy forms including endorsements issued
at inceptiono Copies of any midterm endorsements, NOCs,
Additional Insured, Certificates of Insurance,Non-renewal notices, Renewal Notices
• Inspectionso Inspection reports and recommendation(s)o Inspection compliance
We will accept e-signature document(s) generated between a General Agent, Broker or Retail Agent with a business or consumer provided that the e-signature meets or exceeds the minimum e-signature requirements outlined below:
• The signer receives Uniform Electronic Transaction Act (UETA) or State consumer consent disclosures; and
• The signer has affirmatively consented to use electronic records for the transaction and has not withdrawn consent; and
• An associated record is kept reflecting the process by which the signature was created; and
• The record is retained and capable of reproduction by all parties.
Agents will not need to notify us that they are using e-Sign technology. However, Agents, upon request, must produce all required electronically signed applications and supplemental applications and/or questionnaires including electronic audit trails to show verification of e-signature and compliance with the minimum requirements.
CapSpecialty will monitor compliance through its Portfolio Management Review Process.
IndianaSpecial Events
Product Highlights
Liquor Liability
Inspections
TRIA
General Liability
UW FileUW File
Requirements
E-signature
Binders
BINDERSAll subjectivities must be met prior to issuing a binder.