2.4. ERMUSR 05-10-2016 - Laserfiche WebLink

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T. Special events See Section IILK,Liquor Many Minnesota communities either sponsor or let others use city property liability,for more information about city- for different kinds of special events, such as community festivals, weddings, related liquor liability and walkathons, dances, fundraisers, ski races, and centennial celebrations. individuals and groups that serve or sell alcohol on city property. The LMCIT liability coverage does not have a general exclusion for special events that are sponsored by the city,but there are exclusions that apply for specific types of events or activities. The two questions that are addressed in this section are what kinds of activities are and are not covered and which individuals and organizations are and are not covered. See Section VIII of the There are a different set of questions to ask when the city allows a private LMC information memo, Park and Recreation Loss party to hold an event on city property where there is no city involvement. Control Guide,for more The question becomes whether the city should require private groups to have specific loss control recommendations for insurance and whether insurance should only be required from certain groups special events• depending on its criteria. 1. Events sponsored by the city a. Coverage terms The LMCIT liability coverage applies to the city's activities in connection with a special event unless that particular activity itself is excluded. The most important exclusions to be aware of are these: See Section II.C,Liability • Motor vehicle races, stunts, demolition derbies, and so on. exclusions. • Motorized amusement rides, such as carnival type rides. • Rodeos. • Stunting activities or events that involve a significant risk of serious injury to the participant,performer, or others, such as high-wire acts,base or bungee jumping, skydiving, circus type acts, and acts involving dangerous animals. See Section III.K,Liquor • Liquor and beer sales, although LMCIT may be able to provide coverage. liability and Section In.G, Fireworks. displays,• Fireworks althou h LMCIT may be able to provide coverage. In some cases LMCIT can provide coverage for exposures related to fireworks displays and liquor and beer sales. For the other excluded activities,there are two basic ways to handle the liability exposure: • Purchase specialty liability coverage from an insurer who specializes in that type of risk. • Hire an independent contractor to conduct that particular operation. 104