Periodically a location is approached by an individual or a non-parish sponsored group seeking use of their facilities for a “special event”. For purposes of this program, a “special event” is limited to a one time activity that is less than 72 hours in duration or a recurring event which occurs no more than 104 times (twice weekly) in a 12 month period. While each location is protected under the insurance program offered through the Archdiocese, it is required that the individuals or groups seeking to use the location’s facilities provide proof of general liability insurance for a minimum of $1,000,000 per event. Those seeking to use the facilities can satisfy this insurance requirement by either providing proof of insurance in the prescribed amount or the facility user can participate in the Special Events Program.
Third Party Special Event Facility Use Agreement
For those individuals or groups that have access to insurance and wish to produce proof of their own insurance, a certificate of insurance with a minimum limit of $1,000,000 in general liability coverage must be provided covering the date of the event. Additionally, the certificate must list both the location and the Archdiocese as an additional named insured. The certificate must provide additional insured status to the location and the Archdiocese by clearly including the following language: “The Archbishop of Baltimore, a Corporate Sole, and the legal name of the Parish, School, or Location, as Additional Insured with respect to this event”.
Individuals or groups who are unable to obtain proof of insurance can elect to participate in the Special Events Program by completing the Third Party Special Events Waiver Application. By participating in the Special Events Program, the person or entity hosting the activity, as well as the Archdiocese and the location, will be afforded liability coverage in the amount of $1,000,000 per event. This coverage is primary over the coverage afforded to the location through the Archdiocese program. Keep in mind that participating in this program is a waiver of the insurance requirement stated in the Third Party Special Event Facility Use Agreement. Neither the location nor the Archdiocese is selling insurance coverage to the facility user.
Requests for waivers should be submitted as soon as possible. In no cases are requests to be submitted any later than 2 business days prior to the event taking place. For example: If the event is occurring on a weekend the request should be received no later than 10 AM on the Thursday morning prior to the weekend the event is to be held. Any requests received late could be rejected by the carrier.
This overview is intended to provide a general summary of the coverage and some of the significant limitation of the coverage. This document is not intended to be an exhaustive explanation. Common events which are deemed as Special Events include wedding receptions, family reunions, award banquets and birthday parties to name a few. Certain types of events are prohibited and will not be afforded use of the Special Events Program. They include but are not limited to the following:
The special events program provides $1,000,000 in liability coverage for bodily injury and property damage coverage for the facility user, the Parish and the Archdiocese. Please make special note that the $1,000,000 limit is a per event coverage and includes each of the three entities previously noted within the limit. Host liquor liability is included in the program.