Insurance Made Simple Blog

Blah! Food Vendors vs. Your Event Liability Insurance

Posted by Elizabeth Wightman on Wed, Mar 25, 2015 @ 04:08 PM

Most festivals have some type of food concessions.  Whether it’s a Music Festival, Art & Wine Festival, Community Gathering Event, or Food Truck Meet -Up where people gather there is usually food.  The question is “How do event producers handle the liability associated with food service?”  And “How does it affect their Event Liability Insurance?”

Last year one of our music festival clients was presented with several food poisoning claims even though they did not prepare, serve or sell the food.  This client produces a 3 day music festival.  Almost all of the attendees camp onsite for the duration of the festival and there are many food vendors onsite to feed all of these people.

Last year the temperatures at the festival were unusually hot. The food vendors had a difficult time with refrigeration but more ice was brought in by the festival producer to help.  Unfortunately, the coffee vendor did not create a way to keep the self-serve milk and ½ & ½ cold and it developed bacteria.  A lot of the people who purchased coffee and added the tainted milk and ½ & ½ became very sick.

Not only did these folks miss a lot of the music 

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Topics: Event Insurance, Certificates of Insurance, Event Safety

Website Content and Insurance for Nonprofits

Posted by Phil Wightman on Thu, Mar 05, 2015 @ 04:47 PM

One of the problems we run into when attempting to acquire Insurance for Nonprofits is the inaccurate or superfluous information built into the web sites of nonprofit organizations. Insurance company underwriters pay very close attention to web sites and will decline to quote coverage for a prospective client solely on the basis of web site content.

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Topics: Insurance for Nonprofits, nonprofit insurance

Hire a Specialist for your Event Insurance or Nonprofit Insurance

Posted by Elizabeth Wightman on Tue, Feb 24, 2015 @ 02:21 PM

Usually our blog is designed to help insurance buyers better understand insurance and risk management.  We try not to “sell” you anything because that’s not our style.  We’re here to help.  That’s our philosophy at SteelBridge.

That said I’m going to depart just a bit from that and tell you why it’s vital that you purchase insurance through a broker.  Specifically, a broker that specializes in the type of coverage you need and the industry you are in. 

And here’s the plug for SteelBridge…  We specialize in just two things here.  1)  Nonprofit Insurance and 2) Event Insurance (live music events in particular).  I know, seems like two really different things but you would be surprised how often these two specialties merge.  But I digress... 

The point is that we (and other brokers who are specialists in a particular type of insurance or industry) know our stuff.  We know what coverage you need and why.  We know the unique insurance challenges you face and how to help.  We know the insurance companies that can provide the best coverage and services for you.  We know the risk management concerns and techniques specific to what you do.  We know what insurance industry changes affect your coverage and communicate those to you. 

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Topics: Event Insurance, nonprofit insurance

Accidents & Insurance for Nonprofits

Posted by Elizabeth Wightman on Thu, Feb 12, 2015 @ 05:41 PM

Accidents happen...  Every Day...  And in so many different ways you wouldn’t believe it!

Most of our clients have the attitude that “it will never happen to me” and view their insurance program as a necessary evil to serving their mission.  However, statistics show that nonprofit organizations make a claim on their liability insurance on average of once every three years. 

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Topics: Insurance for Nonprofits, Claims, nonprofit insurance

Booze and Your Event Liability Insurance

Posted by Elizabeth Wightman on Wed, Feb 04, 2015 @ 04:09 PM

CLAIM:  A festival attendee was served several glasses of wine at a music festival.  After the music was over on the Saturday evening he got in his car to drive back to his hotel. About a block from the hotel he ran a red light and hit another vehicle.  The other vehicle was totaled and the driver was seriously injured. 

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Topics: Event Insurance, Event Liquor Liability

Board Governance & your Directors and Officers Liability

Posted by Elizabeth Wightman on Thu, Jan 22, 2015 @ 06:02 PM

A key part of securing and keeping good nonprofit directors and officers coverage is to ensure that proper board governance is maintained at all times.  This sounds easy but in reality can be difficult.  

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Topics: Insurance for Nonprofits, Directors & Officers Liability

5 Facts About Rented Equipment and Your Event Insurance

Posted by Elizabeth Wightman on Mon, Nov 17, 2014 @ 12:16 PM

Virtually every event or festival requires the rental of some equipment. Generators, lighting, fencing, golf carts and even portable bathrooms. The question that comes up (or more often than not does not come up) is who is responsible for loss or damage to the rented equipment. The answer can commonly be found in the rental contract. However finding the information in the contract may not be all that easy. Understanding the limits of your event insurance may be equally challenging.

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Topics: Event Insurance, Certificates of Insurance, Leased Equipment

Client Sexual Abuse: Insurance for Nonprofits Essential Coverage

Posted by Phil Wightman on Mon, Nov 10, 2014 @ 06:52 PM

Sexual abuse is a difficult and uncomfortable topic. Like so many things that are difficult to talk about critical steps to prevent problems are often left un-discussed. But uncomfortable or not Sexual Abuse is a topic that must be addressed by all social service organizations with direct client contact. Improper Sexual Conduct or Sexual Abuse coverage is a critical part of Insurance Coverage for Nonprofits.

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Topics: Insurance for Nonprofits, Liability Insurance, Nonprofit ISC

The Whole Truth about Event Liability Insurance Part 2

Posted by Elizabeth Wightman on Wed, Nov 05, 2014 @ 02:20 PM

A couple of weeks ago I gave you The Whole Truth about Event Liability Insurance Part 1 where I talked about WHO is insured under your General Liability.  Today I want to talk about WHAT is covered under your General Liability. 

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Topics: Event Insurance

3 Myths about Vendors & your Festival Insurance

Posted by Elizabeth Wightman on Thu, Oct 30, 2014 @ 06:30 PM

If there is one thing that is NOT consistent among festival producers it’s how they handle vendors and their insurance.  Our opinion is that everyone associated with the festival needs to have insurance. But we’re insurance brokers so of course we think that! 

The truth is that if you are producing a festival then you don’t want to take on any risk that you don’t absolutely have to.  The best way to do that it so to make sure that everyone involved is responsible for their own actions and the associated risk or liability. 

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Topics: Event Insurance, Event Liquor Liability


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