Insurance Requirements

Individuals responsible for facility rental are required to produce and maintain proof of sufficient liability insurance throughout the duration of the event.

You have an option to select a $2 million or $5 million limit, depending on the nature of the event or activity. For example, high risk sporting activities will require a minimum of $5 million, while lower risk events require a minimum of $2 million. The minimum limits are predetermined, removing the guess work out of the process. Insurance rates are based on the activity and perceived risk associated with each category.

Coverage is provided for Bodily Injury and/or Property Damage to third parties, as well as the following extensions:

Voluntary Medical Payments: medical expenses for bodily injury caused by an accident on premises you are renting

Personal & Advertising Injury Liability: injury as a result of false arrest, libel, slander, humiliation, discrimination, and others. Please refer to the policy document for the full list of coverages.

Tenants’ Legal Liability: provides coverage for damage to the rented premises as a result of a negligent act caused by the Named Insured.

Liquor Liability Coverage (for events where coverage is purchased): provides protection when lawsuits are brought against individuals or organizations who host events with alcohol service.

Please refer to the policy wording for a full listing of Conditions and Exclusions. A copy can be found here.