Hazards & Activities Covered

Premium is determined based on each Hazard Class.
Liquor coverage can be purchased separately.

Examples of events for each hazard class are:

Hazard Class I

Aerobic Classes, Art Festivals, Award Presentation,
Banquets, Business Meetings, Civic Clubs & Group
Meetings, Craft Shows, Graduation, Lectures,
Instructional Classes (non-mechanical), Meetings
(indoor), Social Gatherings, Weddings and
Receptions.

Hazard Class II

Animal Training (on leash), Dances, Job Fair,
Meetings, Plays, Political Rallies, Union Meetings,
and Voter Registration

Hazard Class III

Aerobics and Jazzersize Classes, Community Fairs,
Film Showings, Livestock Shows, Night Club Shows,
Meetings (outdoor), Proms and Theatrical Stage
Performances

Hazard Class IV

Animal Acts/Shows, Block Parties, Carnivals, Street
Closures, Street Fairs, Softball, Gun & Knife Shows,
Gymnastic Competitions, Professional Sporting
Activities, Rap or Heavy Metal, Rollerskates or
Rollerblading, Swiiming and Swimming Pool Facilities,        
Tractor-Trailer Pulls

Ineligible Hazards & Activities

Examples of ineligible hazards and activities are:

§         All Terrain Boarding

§         Balloon Rides

§         Base Jumping

§         Bouldering

§         Boxing, Wrestling, Hockey, Contact Karate or Martial Arts Events

§         Bungee Jumping

§         Circuses

§         Carnival Rides

§         Concerts with performances exceeding
6 hours of performance time

§         Concert or Dance with Mosh Pit

§         Contact Sports

§         Diving

§         Hang Gliding

§         Kayaking, Rafting or Canoeing in greater than Class 3 rapids

§         Mechanical Amusement Rides or Services

§         Motorized Sporting Equipment

§         Mosh Pits

§         Mountain Biking

§         Power Boat Racing

§         Pyrotechnics and Explosives

§         Rock Climbing

§         Rodeo and/or Roping Events (includes practice)

§         Scuba Diving

§         Sky Diving