Collapse of Temporary Structure Liability

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Real-Life Claim Scenario: The Auto Show Club leased a large tent for its annual exhibition. After the tent company installed the structure, the Club mounted a marquis sign on top. All seemed to be fine until the next afternoon when the structure partially collapsed due to the weight of the sign. Unfortunately, at the time of collapse, the tent was full of automobiles. The tent required extensive repair, five people were injured, and several vendor's products were damaged, resulting in a total cost of $175,000. The car club did not have Collapse of Temporary Structure Liability.

Estimated cost with Collapse of Temporary Structure Liability: $25
Estimated cost with NO Collapse of Temporary Structure Liability: $175,000

 

Actual Stage Collapse - Indiana State Fair

 

A Smart Solution:
RVNA Collapse of Temporary Structure Liability coverage option

Most liability policies have provisions that exclude coverage for collapse of temporary structures. Collapse of Temporary Structure Liability is an optional coverage available when purchasing Event Liability Insurance. Damage to vehicles would not be covered.

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