Do you — or does anyone else in your department — authorize or arrange for the use of University facilities by non-University groups or individuals? If so, are you aware that the University requires each organizer/organization using University facilities to provide a Certificate evidencing current insurance coverage and to include Lehigh University as an Additional Insured with respect to the specified date and activity?
Currently, those individuals/organizations having inadequate or no coverage are either denied the use of University facilities, or the insurance requirement is waived if the risk of liability exposure is minimal. If the coverage requirement is waived, the University’s exposure to potential liability claims resulting from a non-University group’s activities is increased.
To minimize this liability exposure and to accommodate the insurance needs of non-Lehigh event organizers, we have arranged with the University’s liability insurance broker to provide insurance coverage which meets University requirements at very reasonable premium rates. By completing the brief application form and submitting it, along with the appropriate premium payment directly to the Risk Management Office, non-University organizers can purchase the necessary coverage.
Please ensure that the University’s insurance requirements are communicated to all event organizers and the insurance requirement “language” incorporated into all written agreements/ contracts. If you are confronted with or planning an event which may pose unusual liability exposure or extraordinary risk, contact the Risk Management office (x83899) to discuss appropriate loss prevention/control measures and the potential need for additional insurance coverage.
What is it?
Special events insurance is liability protection for organizations that host activities which are not included in the University’s insurance program. This program provides liability coverage and legal defense for claims of negligence brought on the grounds of mismanagement, improper security, misleading representations, or failure of equipment/fixtures, to name but a few.
Why do we need this?
In today’s litigious society, event organizers face potential liability suits from spectators, contractors, and customers. Even if a suit is unjustified, the cost of defense can be significant.
Who needs it?
Any group or individual organizing an event on campus which may pose a liability risk should consider this program. In addition, this program may also be used by University affiliated organizations for events held off campus.
How much will it cost?
Premium costs are determined based on the nature of the event, the anticipated number of participants and the number of days. While it is impossible to quote rates without detailed information about the event, we can say that premiums for this program are almost always considerably lower than any similar policy you could buy on the open market.
What does this General Liability policy pay for?
This policy indemnifies the insured (the lessee) for all necessary legal costs to defend against suits brought against their organization, barring any policy exclusions. Also, any judgment against the insured will be paid up to the selected limit of liability of the policy.
What Kind of Events Should Have This Coverage?
Classical Music Concerts – Indoors
Jam and Jazz Concerts – Indoors
Concerts – not otherwise classified above
Festivals and Cultural Events
Theatrical State Performances
Any other event that may pose a liability threat - Risk Management can advise you on this
How do I apply for Special Event Insurance Coverage?
Complete the Application Form.
LEHIGH UNIVERSITY SPECIAL EVENT INSURANCE COVERAGE
|Daily Attendance (Spectators/Participants)||Class I||Class II||Class III||Class IV||Additional Premium for Liquor Liability|
|1 - 100||103||133||188||**||75|
|101 - 500||133||178||253||**||185|
|501 - 1,500||188||238||378||**||260|
|1,501 - 3000||243||378||508||**||375|
|3001 - 5000||348||498||723||**||490|
|5,001 and above||---- application must be submitted to insurer for determination ----|
* Above rates are per day premiums for events lasting 1 to 4 days. For events lasting 5 or more days or if additional insurance is required for Exhibitors or Concessionaires, contact Risk Management for appropriate rate(s). A mandatory minimal additional premium for terrorism coverage is added by the insurer.
** Class IV events must be submitted to the insurer for approval at least 5 to 7 days prior to event date.
Schedule of Hazard/Risk Classifications
CLASS I - Low/Minimum Hazard Risks
Auto Shows - Auto Static Only
Ballets and other Classical Dance Shows
Bar Mitzvah/Bat Mitzvah
Boat Shows (Dry Dock Only)
Body Building Contests
Choirs - Indoors
Church Services or Meetings
Civic Clubs Meetings
Concerts - Celtic Music
Concerts - Chamber Music
Concerts - Classical Music - Indoors
Concerts - Holiday Music
Concerts - Instrumental
Conventions - Indoors
Drill Team Exhibitions
Flower and Garden Shows
Harvest Festival - no farm implements/equipment
Holiday Events & Parties/Gift Exchanges
Jam and Jazz Concerts – Indoor
Job Fairs – Indoor
Ladies Club Events
Meetings – Indoor
Mobile Home Shows
Professional and Amateur Association Meetings
Reunions – Indoor
Scouting Jamborees - no overnight camping
Social Receptions - Indoors
Trade Shows – Indoor
Wedding and Wedding Receptions
CLASS II - Medium/Average Hazard Risks
Card Games - Blackjack
Card Games - Poker
Carnivals - School Events with No Mechanical Rides
Choirs - Outdoor
Christmas Tree Lighting
Clowns - No Motorized Vehicles
Concerts - 50's, 60's, 70's or 80's Music
Concerts - Blues Music
Concerts - Classical Music - Outdoors
Concerts - Country Music
Concerts - Folk Music
Concerts - Motown
Concerts - Soul Music
Dog,Cat, Bird & Other Domestic Animal Shows/Events
Easter Egg Hunt
Festival and Cultural Events - Indoors
Golf Events - Non Professional
Impersonator - Celebrity or Holiday Character
Jam and Jazz Concerts – Outdoor
Job Fairs – Outdoor
Jugglers (No Pyro)
Meetings – Outdoor
Old Timer Events
Picnics - held at grounds without pools or lakes
Reunions – Outdoor
School Band Competition/Events
Soap Box Derby
Social Receptions – Outdoor
Trade Shows – Outdoor
Video Game Contests
CLASS III - Moderate Hazard/Increased Exposure/Average Risk
Aerobics and Jazzercise Classes or Events
Amateur Rodeo and Roping Events
Baseball - Amateur
Basketball - Amateur
Bicycling - No Racing / Offroad
Block Parties/Street Closures/Street Fairs-Under 5,000 Spectators
Boxing, Wrestling, Hockey, and Football Games - Amateur
Casino and Lounge Shows
Cheerleading Events/Competitions (no pyramids)
Company or Corporate Retreats
Concerts - Pop Cover Bands
Country and Western Events - no rodeos or rides
Country Festivals and Fairs - No Rides
Festivals and Cultural Events – Outdoor
Golf Tournament - Daytime
Gymnastic Competitions - Spectators Only
Halloween - Costume Contests
Heads of State Events
Ice Skating Shows
Junior Athletic Games
Laser Tag (Indoors)
Marathons (Walking & Running)
Mobile Homes/RV Shows - Professionally Managed
Movie Release Party
New Year's Party (Private/By Invite Only)
Parades - under 5000 spectators
Pool and/or Billiards Tournaments
Softball - Amateur
Sporting Events - Indoors - Non-Professional
Talent Show (No Rap, Hip Hop, Heavy Metal Shows)
Theatrical Stage Performances
Volleyball - Amateur
CLASS IV - Events Not Covered
Animal Acts and Shows
Bicycle Rallies/Street Closures/Street Fairs - over 5,000 in attendance
Carnivals with Amusement Devises
Concerts - Not Otherwise Classified
Concerts with Rap, Hip Hop, Heavy Metal, Ski Punk or similar types of music
Evangelistic Meetings with Faith Healing or Similar Activities
Events with Armed Private Security
Events with Known Attendance Prior to the Event Greater than 5,000 People
Events with prior losses
Exotic Animal Shows and Events
Go Kart Races
Gun and Knife Shows
Halloween - Haunted Houses
Hand Gliding/Sky Diving
Heads of State Events
Hot Air Balloon Rides/Events
Instructional Classes - Drivers Education, Flying or Health Related
Marathons / Walkathons
Mechanical Amusement Devises including Mechanical Bulls
Motorized Sporting Events
New Years Party (Open to public/not by invite only)
Overnight Camping and Retreats
Reality TV Shows
Record Signing's in stores
Rodeo and Roping Events - Professional
Roller Coasters/Sky Coasters
Rummage Sales - Other than for Charities
Swap Meets/Flea Markets
Swimming and Pool Facilities
Any Event with a known attendance prior to the event greater than 5,000 people.