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17 terms

8.03 Types of Insurance

General liability insurance
Provides broad coverage against claims of negligence and inappropriate action resulting in bodily harm or damage to personal property
Automobile liability insurance
Provides compensation to individuals injured by automobiles used in an event
Board of Directors Liability Insurance
Protects volunteer board members from personal liability
Comprehensive General Liability Insurance
Packaged policy that includes fire, theft and injury
Exclusions to this type of coverage may include pyrotechnics (fireworks), aerial activities, participant activities, and other activities which might be deemed high-risk
Event cancellation insurance
Provides coverage for cancellation of an event due to circumstances beyond event coordinator's control
Inclement weather
Provides coverage for cancellation of an event due to inclement weather or natural risk, rain, lightning, hurricane, or tornado
Broadcast transmission interruption
Provides coverage due to an interruption of the radio or television broadcast of an event
Also referred to as "no show"
Provides coverage if an athlete or entertainer fails to appear at an event due to accident or illness
Prize indemnity
Provides coverage when participant wins promotional contest and can also protect company against loss of income due to prize fraud
Accidental death and dismemberment
Provides coverage if an event participant suffers loss of life or limb
Temporary disability
Provides coverage for an athlete or entertainer in the event the he/she suffers an injury or illness that temporarily keeps them from working
Permanent disability
Provides coverage for an athlete or entertainer in the event that they suffer an injury or illness that permanently keeps them from working
Image protection
Provides coverage for sponsor in event that an athlete's or entertainer's actions result in negative publicity for the company
Provides coverage for damage to buildings and production sets and will also provide coverage for theft or damage to personal property and props
Producer's errors & omissions
Provides coverage for copyright infringement, libel, and plagiarism
Animal mortality
provides coverage in the event that an animal dies while being used on production set
Workman's compensation
Provides reimbursement of medical expenses for workers injured on the job