Tag Archives: liability

Olympics Highlight Event Insurance Importance

StethoscopeOver 100 prominent doctors and professors sent an open letter to the World Health Organization (WHO) on Friday, May 27th, urging for the postponement or cancellation of the 2016 Summer Olympics due to the widespread occurrence of the Zika virus.

Officials stated that the Zika virus has “more serious medical consequences than previously known” and has worsened in the Rio area despite widespread mosquito treatment programs.
“It is unethical to run the risk,” the letter said. “It is therefore imperative that WHO conduct a fresh, evidence-based assessment of Zika and the Games, and its recommendations for travelers.”

Brazil is one of almost 60 countries that have reported continuing transmission of Zika by mosquitoes and with over 500,000 people set to travel from around the world for the Olympic games, there is a considerable threat.

Despite these warnings, it seems organizers of the 2016 Olympic Games are moving forward. The 2016 Olympics are in less than two months, running from August 5 to August 21 and although it seems the games will go on, the recent push for cancellation or postponement highlights the importance of event insurance.

Without sufficient liability protection, the cancellation or postponement of large events such as the Summer Olympics could lead an event organizer, company or individual into bankruptcy! The last Summer Olympics in 2012 cost over 14 BILLION dollars! If the event did not go as planned, the economic outcome would be devastating.

Event insurance is essential whether you’re organizing the Olympics, or organizing public events large and small. Want to learn more about Event Insurance? Find out about your options here.

What is Hired & Non-Owned Auto Coverage?

By: R.V. Nuccio
R.V. Nuccio & Associates, Inc.

What is Hired & Non-Owned Auto Liability Coverage?

Hired Auto Coverage means auto liability coverage for claims resulting from rented/hired auto/van/charter bus used for your event to transport employees, volunteers or individuals and Non-Owned Auto Coverage means auto liability coverage for claims resulting from employees or volunteers driving their autos while completing business for your event. In short, Hired and Non-Owned Automobile Liability Insurance protects the insured group against third-party lawsuits arising from the use of automobiles which are not owned or are rented, chartered or hired by the insured, such as a chartered bus.

Why Would My Group Need Hired & Non-Owned Auto Liability Coverage?

Whether you realize it or not, you may occasionally find yourself in situations where Hired & Non-Owned Automobile coverage is needed. Errands and rental situations are some of the most common occurrences to come up, whether it be sending a volunteer to pick up supplies for an event, or renting a vehicle for transportation of the group. In the event of an auto accident during these activities and your group is sued, coverage kicks in.

I Still Have More Questions About Hired & Non-Owned Auto Liability Coverage, Who Can I Contact?

Please call our office at (800) 364-2433 and a friendly member of our customer service team will be happy to assist you with any additional questions you may have.

Soap Box Derby – A Risky Event

Soap Box Derbies have become increasingly popular events to hold but with these kinds of events, it is important to know just how dangerous they can be.

For those unfamiliar with what a Soap Box Derby is, it is a youth soap box car racing program that has been run since 1934 in the United States. Soap box cars competing in these events are unpowered, relying completely upon gravity to race down a hill.

Serious injuries, and even deaths have occurred at these types of events so if you are considering holding a Soap Box Derby, you should be aware of just how risky they are.

Streamline Your Special Event In 4 Easy Steps

So you have decided to organize a special event but have no idea where to

In addition to acquiring Special Event Insurance for your event, we have
compiled 4 tips that will help you not only plan the event, but also make sure it goes on without issue.

RVNA Event tips word cloud

1) Create A Budget For Your Special Event

The easiest place to start when creating a budget is to ask yourself, “how much can I afford to spend on the event?” Set the amount you’d like to spend, and set the amount of money you could spend if you stretched the budget a bit. Then, create categories for each item you may need for your event and be sure not to forget the small stuff! Keep in mind tax and in some cases, tip amounts that could potentially put you over budget.

2) Delegate Tasks

Individuals organizing a special event quickly realize that when they spread themselves too thin, details inevitably get forgotten. The art of delegation is a must-have skill because by splitting up tasks and having certain staff or volunteers responsible for specific aspects, special event organizers can be sure that the devil is not left in the details.

3) Use a Project Management Software

Have a million post-its with to-dos for your event? Searching for that paper with the big idea on it? Employees/volunteers not keeping you up to date on their progress? Consider using a project management system! Cloud-based project management systems are cost-effective online solutions for event organizers that helps to share tasks, keep documents, and store conversations for your event all in one central place.

Some examples available are Basecamp, Smartsheet, and Podio, but there are a plethora of other programs that can be customized to fit whatever your specific needs are as an event organizer.

4) Create A Plan For Your Behind-The-Scenes Staff/Volunteers

Dedicate time to creating and fine-tuning procedures for the staff and volunteers who are assisting you with your event. If you were unable to complete the event yourself, is there a plan in place for someone to run the event without you? Are backup plans in place in case of an emergency? by prioritizing and streamlining the procedures behind the scenes, you can ensure that your event runs as planned.

We hope these 4 steps help YOU to put on your best special event possible and if you have any tips to share with fellow event organizers, tweet them to us at @InsuringEvents!

Macy’s Thanksgiving Day Parade Announces All-Star Lineup

The 88th Annual Macy’s Thanksgiving Day Parade is set to be a star-studded event with performers ranging from Kiss and Sting, to the cast of Sesame Street.

Macy's Thanksgiving Day Parade Turkey and Friends

In an announcement from Macy’s, the lineup will include Idina Menzel, Pentatonix, Nick Jonas, Lucy Hale, Becky G, Hilary Duff, Quvenzhané Wallis, Renee Fleming, Meghan Trainor, Miss USA 2014 Nia Sanchez, and many more. The Philadelphia Taney Dragons, the star Little League team, is set to lead the parade’s procession as well.

6 New Balloons Make Their Debut

For the parade balloons, six new characters are set to make their debut including, the
Pillsbury Doughboy, Paddington Bear, Pikachu, the Red Power Ranger, Thomas the Tank Engine, as well as Erupter from Skylanders.

The Macy’s Thanksgiving Day Parade is set to take place Thursday, Nov. 27 at 9 a.m. EST in New York City.

Lasers, Robots, and Games, Oh My! High Tech Carnival Comes To LA

Lasers, robots, and games, oh my! Two Bit Circus is bringing STEAM Carnival to Los Angeles this weekend and attendees are sure to be amazed and entertained at this one of a kind high tech carnival.

As highlighted on the event website, STEAM Carnival is a unique, high-energy event featuring tech-infused game attractions and carnival-inspired
entertainment to thrill, amuse, and re-imagine the way we learn.

What is the STEAM Carnival? What does STEAM mean?

STEAM stands for Science, Technology, Engineering, Art, and Math. The event itself infuses over 90,000 square feet of space and features attractions that will thrill attendees of all ages.

Attractions include a midway full of lasers mazes, walls of buttons, fun games, a Fireball Dunk Tank, a robot bartender and many other interesting interactive experiences.

This inaugural event begins in Los Angeles at CRAFTED at the Port of Los Angeles starting Saturday 10/25 and ending Sunday 10/26.

In addition to the midway, there are also hands-on workshops, contests, and unique
carnival food.

STEAM Carnival 2014

Tickets start at $25 and attendees are given a time frame to attend to ensure they have the best STEAM experience.

Hayrides in Many States Face Few Regulations

Did you know? The regulation and inspection of hayrides are often left up to state or local municipalities, resulting in little to no regulation at all. Check out the article below from USA Today discussing recent hayride incidents.

USA Today
By Ryan Adair, WCSH-TV, Portland, Maine
October 13, 2014

MECHANIC FALLS, Maine — As authorities investigate the death of a teen this past weekend in a hayride accident that injured 22 others, some are taking a closer look at regulations that these seasonal businesses must follow.

No federal agency regulates hayrides. While the Maine State Fire Marshal’s Office inspects amusement park rides here, hayrides don’t require licensing, officials said.

“The injuries that occur with hayride accidents are usually quite significant because of the number of people involved and the size and weight of the equipment,” said Jeffrey Reiff, a Philadelphia personal-injury lawyer who has filed several suits against hayride operators.

Some states, including Tennessee, specifically exempt people participating in hayrides from wearing seat belts, according to a compilation of state vehicle occupant protection laws from the National Highway Traffic Safety Administration. Others — including Connecticut, Texas and Wyoming — allow people to ride in an open-bed pickup or flatbed truck, an action normally prohibited, if they are on a hayride.

“The regulation, inspection of hayrides is often left up to state or local municipalities, and as a result, regulation varies from none to semi-good,” Reiff said.

Among other recent hayride accidents:

• Crystal Coffman, 35, of Park Hills, Mo., was seriously injured Oct. 4 when she fell off the fender of a tractor on which she was sitting during a hayride in Farmington, Mo. The tractor then ran over her.

• Robert Bentz, 59, of New London, Minn., died Sept. 6 when he fell between two hay racks tied together so a tractor could pull them for a hayride in Woods Township, Minn.

• Nine people went to the hospital in October of last year after a tractor-pulled hayride tipped over in Milford Township, Mich. The driver later was found to have a blood-alcohol level just below the legal limit and was charged with reckless driving.

• Eleven children were taken to the hospital in July 2013 after the arm that attached a trailer being used for a hayride to a tractor broke at a camp in Molino, Fla. The trailer then hit the rear of the tractor, causing the tractor to tip over and the trailer to crash into nearby trees.

• Eight people went to the hospital in June 2013 in Findlay Township, Pa., when a tractor pulling a hay wagon at an anniversary party overturned.

This past weekend, Cassidy Charette, 17, of Oakland, Maine, died of head injuries Saturday after the wagon in which she was riding careered down a hill in the woods, struck a tree and overturned.

Student Connor Garland, 16, of Belgrade, Maine, who had gone with Charette to Messalonskee High School’s homecoming the previous weekend, was the most seriously injured of the 22 and is now in fair condition. David Brown, 54 of South Paris, Maine, who was driving the 1979 Jeep that was towing the wagon, had surgery Saturday and was released from the hospital Sunday, authorities said.

About a half dozen other injured people remained hospitalized early Monday, but their injuries did not appear life threatening, said Sgt. Joel Davis of the state Fire Marshal’s Office. A mechanical problem caused the accident.

Brown is an experienced trucker who has a commercial driver’s license, according to a spokesman for Harvest Hills Farm, where the wreck occurred.

State fire marshal’s investigators are inspecting the Jeep to try to determine exactly what kept it from stopping on the hill, and state police have been calculating the passengers’ weight to determine if the hay wagon was overloaded, Davis said.

Read The Full Article

Concert Promoters Fight For Control Of The Greek Theatre

Things are getting heated between three of the largest venue promoters in Los Angeles over the beloved Greek Theatre in Griffith Park.

On one side is Live Nation/Ticketmaster, On the other, AEG and Nederlander Concerts.

What exactly is the issue between these moguls? For 39 years, Nederlander has held the 40-year contract to manage the city-owned Greek Theatre. The
family-owned company also manages the Pantages Theater, the Santa Barbara Bowl, City National Grove of Anaheim and more.

The Greek TheatreEnter Live Nation and AEG. The contract for the Greek is up for renewal in 2015. Live Nation is attempting to add the Greek Theatre to its holdings of L.A. venues like the Wiltern, the Palladium and House of Blues. The company also leases other venues including the
Hollywood Bowl, the Forum, and the Honda Center, among others.

AEG, which owns L.A. Live and through its subsidiary branch Goldenvoice owns and
operates Coachella and Stagecoach, has decided to partner with Nederlander in an
attempt to keep Live Nation from taking over the venue.

Live Nation has reportedly already secured the support of the Los Angeles Department of Recreation and Parks however, residents in the Los Feliz neighborhood that houses the
entrance to the Greek Theatre are siding with Nederlander.

Regardless of which company wins control of this venue, it is safe to say that the Greek Theatre will benefit. Nederlander has promised on their change.org petition many
upgrades including refurbishment of the Greek’s original 1930s columns, a new restaurant, upgraded concessions, a year-round cafe and “a comprehensive environmental impact plan to minimize the Greek’s impact on the environment.”

The fate of the Greek was to be announced this week but it’s been postponed until next week to allow for further public discussion.

Brawl Breaks Out At Wedding Reception

“I do” turned into “let’s get ready to rumble” for one couple outside of Buffalo, NY. when a brawl broke out at their wedding reception on Saturday, September 13th.

The Buffalo News reported that seven police agencies were called to the scene at the Orchard Park Country Club after a massive fight broke out just after 11 p.m., as the reception ended and guests were readying to go home. “Things were said that can never be taken back,” says one witness; the paper reports that family members were yelling of their hatred for each other.

About 200 people attended the reception and WIVB reported that an arriving officer saw at least 100 people fighting. The bride and groom were reportedly not among those fighting but the groom was witnessed attempting to help guests exit.

One man received stitches for a head injury, and a few others were treated on the scene. No arrests were made, and while the State Liquor Authority has opened an investigation into what transpired.

SLA spokesman William Crowley said authority investigators are reviewing the incident because the country club has a liquor license.

“The Orchard Park police did reach out to our enforcement office and we are in contact with the Police Department,” Crowley said.

And in regards to the property damage at the club?

“We still are waiting for the damage estimates from management at the country club,” Orchard Park Police Chief Mark Pacholec said, “but it would be up to the country club to pursue restitution. That would be a civil issue.”

Criminal mischief charges could be pursued if witnesses identified people who destroyed property, the chief said.

Benny Chieffo of Jammin’ Sound, which provided music for the reception, described the couple as excellent people whose goal was to provide a joyful time for their wedding guests.

“It was a beautiful ceremony at the country club and an excellent reception that followed,” Chieffo said. “I just hope that the guests don’t forget about the beautiful wedding. It was a picture-perfect wedding except for that last half hour.”

5 Reasons Why You Should Acquire Event Insurance For Your Special Event

When most people think about insurance policies, they think of them in the traditional varieties of car insurance and homeowner’s insurance. However, there is another type that event organizers and vendors should be well aware of: Special Event Insurance.

Special Event Insurance is just that, a specially tailored insurance policy that may be purchased for a wide variety of events from car shows and fundraisers, to theatrical performances and much more.

Below are 5 reasons why purchasing event insurance for your special event is money well spent whether you’re organizing the event or are a vendor.

1) Accidents
How many times have you seen or read news stories about mishaps at events? Regardless of what type of event is being held, accidents can happen and an event insurance policy is essential for the protection of organizers and vendors alike.

2) Property & Damage to Premises
Whether you’re renting a venue space or having an event in a private residence, regardless of the amount of people in attendance, chances are high for some premises damage.
To give a short example, if you rented a space and a fire occurred during your event that caused $92,000 in damages, the cost of repairs would be fully covered by the policy pending if your damage to premises limit was $100,000.

3) Care, Custody, Control Liability
Most liability policies have provisions that exclude coverage for physical damage or loss to property while it is in the care, custody or control of the event organizer or vendor but with special event insurance, it is a coverage that can be added if desired. A great example of how this is type of liability is beneficial is the case of Caroline and her husband’s 50th birthday party. Caroline rented an elegant ballroom for her husband’s birthday party and unfortunately a bottle of red wine was broken during the celebration, staining both the custom Persian carpet and adjacent travertine floor. The owner of the ballroom sued Caroline to recoup the expenses to replace the entire carpet and a large section of travertine floor – amounting to $48,500. Fortunately for Caroline, she had purchased the Care, Custody, Control Liability, so the loss was covered.

4) Liquor Liability
Liquor Liability provides coverage and defense for an event holder who charges for alcohol and is sued for bodily injury or property damage caused by intoxicated event guests. If there is any money changing hands and alcohol is served, Liquor Liability coverage provides the proper protection needed by event holders and vendors alike.

5) Comprehensive
When you break it down, event insurance is all about protection. The most important benefit of event insurance is that it is a single, comprehensive policy specifically tailored to the needs of those holding special events or providing vendor services at events.