Facility Users

This program provides any individual and/or group with liability protection. The facility owner is protected from liability claims arising from the activities of the users.

Special Risk Insurance Managers has a program to cover the activities and events of the users of facilities that are privately owned or publicly owned and/or operated by municipalities, public agencies, colleges, universities, schools, hotel and convention complexes and any other public or private organization.

This program provides any individual and/or group with liability protection. The facility owner is protected from liability claims arising from the activities of the users.

An Open master General Liability Policy

General Program Guidelines

  • The program covers Activities & Events of All Types at Buildings and all Indoor & Outdoor Facilities Privately Owned and/or Operated by Municipalities, Public Agencies or Commissions, Colleges, Universities, Hotel Complexes, and Any Other Public or Private Organizations at:
    • Arenas
    • Associations
    • Auditoriums
    • Casinos
    • Cities & Counties
    • Civic Centers
    • Coliseums
    • Convention Centers
    • Churches & Dioceses
    • Exhibition Centers
    • Fairgrounds
    • Festivals Trade
    • Halls & Malls
    • Hotel Complexes
    • Music & Cultural Centers
    • Park & Recreation Areas
    • Performing Arts Centers
    • Racetracks
    • Schools & Universities
    • Shopping Centers
    • Sport Complexes
    • Stadiums
    • Theatres
    • Trade Shows & Promoters
  • An Open “Master” Policy is Issued to: The Tenants and/or Lessees of the Facilities, owned and or operated by “name of the facility” c/o “name of the facility”.
  • Coverage applies only when the Facilities are Rented to and Being Used by the Tenants/Users/Lessees for Short-Term Special Events and are specifically declared to the Open Policy.
  • Tenants/Users/Lessees of the Facility are Added as “Named Insureds.” The Facility Owner/Operator is automatically an “Additional Insured” at no charge.
  • Monthly Reporting/Declarations of Events are made by the Facility at Predetermined and Scheduled Rates; Subject to Voluntary Audits. Full Annual or Term Audits may be made by the Company.
  • Premiums are collected from the Users by the Facility and are Reported and Paid on Monthly or Quarterly Bordereaux by the 15th of the following month.
  • All Rates are based upon Limits of Liability:
    • $2,000,000.00 Per Occurrence/Aggregate (Higher Limits are Available)
  • The General Aggregate Limit of Liability will apply separately to each contracted total period of continuous use (the special event) by the tenant of the rented facility.
  • Coverages Excluded, but may be submitted for special underwriting consideration & special acceptance:
    1. Liquor Legal Liability
    2. Pyrotechnics Liability
    3. Performer Liability
    4. Standard Program Exclusions Per Forms & Endorsements
    5. Product Liability on all Vendors, Concessionaires, and Exhibitors of “non-food” sales & demonstrations
  • Classes of Events Excluded, but may be submitted for special underwriting consideration & special acceptance
    1. Truck & Tractor Pull
    2. Motorized Sports
    3. Aircraft & Balloons
    4. Rodeos & Roping Events
    5. Boxing, Wrestling, Hockey & Contact Karate
    6. Hang Gliding, Sky Diving & Para-Sailing
    7. Waterslides, Public Pools & Lakes
  • Excluded Classes:
    1. Amusement Parks
    2. Carnivals
    3. Cruises
    4. Mechanical Amusement Devices

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