Who does the Participants Exclusion form actually exclude?

This information is provided to assist you in understanding the coverage being offered and does not modify the terms and conditions of any insurance policy, nor imply a claim is covered. Specific coverage terms vary by class of business. See your policy for full details.  

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 injuries to people participating in or training for a demonstration, show, competition, contest or athletic or sporting activity. This includes any entertainer, stage hand, crew, or independent contractor. This could also include a customer or audience member who signs up to participate. The General Liability policy is also not going to cover injuries to anyone who is working as a volunteer, employee or individual compensated by the insured.

​If you have customers participating, you may want to talk to your legal counsel regarding a waiver or release of liability form.

​If you have employees or volunteers, you will want to talk to your local insurance agent about Workman's Compensation insurance.

​If you have hired independent contractors (i.e. vendors, caterers, wedding singer or anyone who runs their own business) you will want to make sure they have the proper insurance to cover themselves or their staff.

For Special Event Policies, the typical exposures expected would be a 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 is injured and chooses to blame you, we can help. After you select your event type, you will see a "Participant Coverage" box if participant coverage is available through our program. We'll need some additional information and you may be required to submit the application for review. One of our representatives will be able to assist you with the quote.

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