| Eligible Operations |
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Arts & craft festivals |
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City celebrations |
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Ethnic festivals |
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Exhibitions/expositions |
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Music festivals |
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Holiday celebrations |
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Themed festivals (e.g. rib fest, tulip festival, etc.) |
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| Ineligible for this program: |
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Festivals involving extreme sports and extreme motorsports activities |
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Coverages Available & Program Highlights |
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| General Liability |
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Directors and Officers including Employment Practices Liability |
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Written on an admitted basis in most states |
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Non-auditable policy |
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Property |
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Broadened coverage Form |
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- Equipment Breakdown included |
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No deductible |
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- Emergency Vacating Expenses Covered up |
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Legal Liability to Participants |
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to $15,000, Crisis Response Coverage - $25,000, |
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Volunteer Accident- Accident Medical coverage for |
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Full Building Ordinance "A" Coverage |
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volunteers |
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Volunteers as Additional Insureds |
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Inland Marine |
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Contingent Ride Liability |
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Fireworks Liability |
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Crime |
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Liquor Liability |
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Vendor/Exhibitor Coverage |
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Commercial Auto |
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Employee Benefits Liability |
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- Nonowned/Hired Auto |
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- Owned Auto |
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Excess Liability |
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Workers' Compensation |
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Event Cancellation & Non-appearance |
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Common Associated Exposures |
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Arts & crafts displays |
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Food & beverage concessions |
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Horticultural/home economics exhibits |
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Parades |
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Key Underwriting/Qualifying Factors(Including but not limited to) |
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Management must have at least three years festival/event |
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Minimum premiums |
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management experience |
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general liability- $2,500 |
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package-$5,000 |
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Preliminary Underwriting Information Required |
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K&K Applications |
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ACORD applications for other requested coverages |
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Five years of detailed, currently valued company loss runs |
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Diagram/site plan of location/setup |
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Web site address |
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Schedule of events |
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Copies of contracts where insured assumes liability of others |
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