Rodeo Event Liability Insurance
It’s important that your Rodeo Event Insurance policy is provided by an A rated company with a national presence, strong financial background and established equine expertise. The AIS Rodeo Event Program offers this stability through it’s Special Events Division. American Insurance Specialists has served event promoters and horse owners for over 40 years. Our knowledgeable agents, underwriters and claims staff possess the experience and training to handle all facets of your equine special event insurance.
The AIS rodeo special event liability insurance policy extends coverage to the Show organization, premises owners, show officials, committee members, judges and volunteers. Sanctioning organizations may be included as additional insured’s. Coverage is written on an occurrence basis through an admitted, A rated insurance company.
Rodeo Insurance Policy Highlights
- A+ rated U.S. insurance company
- Full Occurrence Basis Liability
- Up to $10 million liability limits
- Liability coverage extends to the U.S., U.S. territories and Canada.
- Products/Completed Operations coverage
- Personal Injury & Advertising Liability
- Additional Insured endorsement
- Waiver of Subrogation endorsement
- $100,000 Damage To Property of Others
- $5,000 Spectator medical payments included
- Defense cost paid in excess of policy limit
- Event Cancellation Coverage (Option available)
- Independent contractors can be added to policy
- Liquor Liability (Option available)
- Stock Contractor added as additional insured (Option available)
- Participant Accident Insurance (Option available)
Who Needs Rodeo Liability Insurance?
It takes organizers, sponsors, contestants, spectators, rodeo clowns and many more to stage a rodeo. Who can benefit from rodeo insurance? Here’s a quick review of the individuals and organizations:
- Rodeo sanctioning organizations
- Committees
- Directors & Officers
- Contestants
- Paid workers & volunteers
- Event sponsors
- Venues & Landowners
Rodeo event productions include a diverse group of activities and participants who often require many different types of coverage. The insurance policy might need to protect property, buildings, animals, contestants, employees, volunteers and spectators from injury. The event organizers and sponsors also need to protect themselves from ancillary risks like event cancellation from weather or non-appearance which can cause huge financial losses when a rodeo can’t go on as planned.
Additional Policies Available
- Commercial Automobile Insurance
- Excess Umbrella Liability
- Inland Marine Equipment Coverage
- Liquor Liability Insurance
- Livestock Coverage
- Event Cancellation – Non-Appearance Insurance
- Volunteer Accident Coverage
- Weather Insurance
What Do We Cover?
This policy was specifically designed to protect your event anywhere in the United States, it’s territories or Canada. The general liability policy will pay the damages imposed upon you or your business by the law. It also pays the cost of defending you when a claim is made against your policy. Coverage is written on a full occurrence basis by an A rated US insurance company and is tailored to fit your specific event needs. The policy will also add the venue, sponsors, volunteers and co-producers as additional insureds.
Certificate of Insurance vs Additional Insured Endorsement
When producing a special event you will often be asked to provide a certificate of insurance to verify the existence of insurance coverage under specific conditions. More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability.
Frequently, another party such as the venue or a sponsor will ask to be named as an additional insured on your policy. The additional insured then enjoys the benefits of being insured under your policy your for negligent acts and omissions but not for his own negligence.
Rodeo Insurance Underwriting Requirements
- Completed rodeo special event application
- Prior loss history information
- Copy of participant liability release
- Signed statement from Insured that all participants will be required to sign release
Contact us for a no obligation rodeo event insurance quote today!
602.702.7600 or email ballen@amriskusa.com