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TERMS AND CONDITIONS

A. I warrant to the Company, that I understand and accept the notice stated above and that the information contained herein, including all application answers, is true and that it shall be the basis of the policy and deemed incorporated therein, should the Company evidence its acceptance of this application by issuance of a policy.

B. I confirm that I understand that this policy excludes coverage for: any Person while Practicing for or Participating in a Demonstration, Show, Competition, Contest or Athletic Event; Animal Exposures; (classified animal event removes animal exclusion) Assault & Battery; Auto Exposures; Communicable Diseases; Cyber Acts, Incidents or Data Breaches; Explosives; Firearms; Unmanned Aircraft.

C. I confirm there will be no Mosh Pits or Fireworks/Pyrotechnics, unless by licensed/insured vendor. Cold Sparklers OK.

D. I understand there is no coverage for water activities, amusement devices, inflatables, rides or animals (classified animal event removes animal exclusion). This does not mean I cannot have them at my event, it means this policy will exclude coverage for water activities, amusement devices, inflatables, rides or animals. This policy will not cover any athletic or sports participants, employees, volunteers, or individuals compensated by the insured.

E. I understand that the event types under "EXCLUDED EVENT TYPES " are excluded from this policy.

EXCLUDED EVENT TYPES & ACTIVITIES

Aircraft Events; Boat Shows (on the open water); Cannabis Events or Products; Childcare; Concerts with Rap, HipHop, Heavy Metal, or Hard Rock; Events with fire performers; Firework/Pyrotechnics including Hot Sparklers; Fraternity Events; Go Kart Races; Hang Gliding/SkyDiving; Haunted Attractions; Haunted Houses; Hot Air Balloon Rides or Events; Motorized Sporting Events; Music Events with Overnight Exposure; Obstacle Races and Mud Runs; Parachuting; Parasailing; Political or Activist Events including Protests, Rallies or Marches; Raves; Roller Coasters/Sky Coasters; Roller Derby; Roller Skating Events; SkyDiving; Skateboarding; Sorority Events; Tractor Pulls; Trampolines; Unmanned Aircraft; Wall Climbing; War Games/Re-enactments; Water Events (unless classified as water event type); Water Slides; Weapon Events including Gun Shows.

F. I am hereby notified that my policy will terminate effective no later than the date and time of its expiration. I have no right of automatic renewal and additional coverage will require application with no guarantee of approval or policy issuance.

G. I understand that by purchasing this insurance I am joining the Promotion, Event and Prize Purchasing Group. FORM D-1 California Surplus Lines notification is incorporated into this agreement. Signature on this agreement constitutes a signature on the included Form D-1.

H. NOTICE TO THE APPLICANT No fact, circumstance or situation indicating the probability of a Claim or action for which coverage may be afforded by the proposed insurance is now known by any person(s) ororganization(s) proposed for this insurance other than that which is disclosed in this application. It is agreed by all concerned that if there is knowledgeof any such fact, circumstance or situation, any Claim subsequently emanating there from shall be excluded from coverage under the proposed insurance. For the purpose of this application, I declare that to the best of my knowledge and belief, after reasonable inquiry, the statements in this application and in any attachments, are true and complete. Underwriting Managers or the Company are authorized to make any inquiry in connection with this application. Signing this application does not bind the Company to provide or the Applicant to purchase the insurance. If the information in this application and any attachment materially changes between the date this application is signed and the effective date of the policy, I will promptly notify the underwriter, who may modify or withdraw any outstanding quotation oragreement to bind coverage.

I. INSURANCE FRAUD WARNING Any person who knowingly and withintent to defraud any insurance company or another person files an applicationfor insurance or statement of claim containing any materially falseinformation, or conceals for the purpose of misleading information concerningany fact material thereto, commits a fraudulent insurance act, which is a crimein certain jurisdictions, and subjects the person to criminal and civilpenalties. California: Any person who knowingly presents a false or fraudulentclaim for the payment of a loss is guilty of a crime and may be subject tofines and confinement in state prison.

J. SAMPLE POLICY Insured can request a sample policy before purchase by contacting info@IneedEVENTinsurance.com

K. REFUND POLICY If I choose to cancel my general liability policy, I will be subject to a refund fee of $27.61, the full Administration Charge on my policy and the broker fee listed on the application. In the very unlikely case our policy form and coverage terms do not meet my venue's insurance requirements and cannot be amended to do so, I am eligible for a full refund of my policy price. Any cancellation must be requested at least two business days before the effective date. No refunds will be issued after the commencement of the policy period.

L. OTHER IneedEVENTinsurance.com will endeavor to send required certificates of insurance to the venue on behalf of the insured. However, the insured is responsible for ensuring they have met all requirements of the venue and confirming such. Broker fees are negotiable. Cancellation requests received before the start of the policy will be considered, and subject to minimum premium, policy and broker fees fully earned. Changes to policy including date will be considered, subject to processing fees.   CAgent licensed in the State of California Department of Insurance license 0C88476 James Cowen.    

I agree to and understand the terms and conditions of my policy(s).  I confirm none of the excluded event types or services will be provided by the insured on this policy.
I understand injuries to athletic/sporting participants, performers/crews and volunteers will not be covered by this policy.
I understand there is no coverage for any losses due to any communicable disease such as Coronavirus disease (COVID-19).  

I consent to delivery of all policy documents and notices electronically to my email address.

 California D1-D2  IMPORTANT NOTICE:

1. The insurance policy that you have purchased is being issued by an insurer that is not licensed by the State of California. These companies are called “nonadmitted” or “surplus line” insurers.

2. The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers.

3. The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised.

4. The insurer should be licensed either as a foreign insurer in another state in the United States or as a non-United States (alien) insurer. You should ask questions of your insurance agent, broker, or “surplus line” broker or contact the California Department of Insurance at the toll-free number 1-800-927-4357 or internet website www.insurance.ca.gov. Ask whether or not the insurer is licensed as a foreign or non-United States (alien) insurer and for additional information about the insurer. You may also visit the NAIC’s internet website at www.naic.org. The NAIC—the National Association of Insurance Commissioners—is the regulatory support organization created and governed by the chief insurance regulators in the United States.

5. Foreign insurers should be licensed by a state in the United States and you may contact that state’s department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website: https://naic.org/state_web_map.htm.

6. For non-United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on

the NAIC’s International Insurers Department (IID) listing of approved nonadmitted non-United States insurers. Ask your agent, broker, or “surplus line” broker to obtain more information about that insurer.

7. California maintains a “List of Approved Surplus Line Insurers (LASLI).” Ask your agent or broker if the insurer is on that list, or view that list at the internet website of the California Department of Insurance: www.insurance.ca.gov/01-consumers/120-company/07-lasli/lasli.cfm.

8. If you, as the applicant, required that the insurance policy you have purchased be effective immediately, either because existing coverage was going to lapse within two business days or because you were required to have coverage within two business days, and you did not receive this disclosure form and a request for your signature until after coverage became effective, you have the right to cancel this policy within five days of receiving this disclosure. If you cancel coverage, the premium will be prorated and any broker’s fee charged for this insurance will be returned to you.

D-2 (Effective January 1, 2020)