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