Who does the Participants Exclusion form actually exclude?
Last updated: December 28, 2016 by TheEventHelper
The intent of a Special Events General Liability policy is to cover unintended injuries to guests and spectators who otherwise would expect to leave the event in the same physical shape as when they arrived. It is NOT the intent to cover people that have an operation as a separate business that the insured has contracted with (i.e., independent contractors, vendors, and employees of the venue). There is no coverage for performers, employees, volunteers or individuals compensated by the insured. An independent contractor or vendor hired at wedding should have their own insurance for injuries caused by the work they chose to do. Our Special Event policy also includes the exclusion for the athletic or sports participants that are knowingly engaging in a risky situation or activity. For Special Event Policies, the typical exposures expected would be any guest of the wedding or party, for example, slipping & falling on an extension cord laid by the insured or on their behalf.
If you are looking for coverage in case a sporting participant or performer chooses to not accept responsibility for their own actions and decides to blame you, give us a call. One of our agents will be able to assist with a policy that could include excess medical costs.