Evidence of Coverage/Proof of Insurance:

A document (also referred to as a Certificate of Insurance) providing proof that the Named Insured has insurance for their specified business operations. This is located at the end of your policy documents.

Certificate of Insurance:

A document providing evidence that certain general types of insurance coverage (usually commercial liability) and limits have been purchased by the party required to furnish the certificates.

Certificate Holder:

The third party specifically listed on a Certificate of Insurance to whom evidence of coverage is being presented. The Certificate of Insurance may be presented as only evidence of coverage to the Certificate Holder or may identify the Certificate Holder as an Additional Insured on the insured’s coverage.

Additional Insured:

Those individuals or entities who generally are not automatically included as an insured under the liability policy of others, but who have an interest in the claims arising out of the operations of the Named Insured. Typically done through an endorsement to the policy, the Named Insured provides protection to the Additional Insured by adding them to its policy(s).

The Named Insured's purpose for providing additional insured status to others may be a desire to protect the other party because of a close relationship with that party or to comply with a contractual agreement requiring it to do so (e.g., customers or owners of property leased by the Named Insured). For example, an exercise studio may be required to add as an additional insured the owner of the building where they lease space.

Please note: A person is not a valid additional insured. As an example you may not add a spouse, client, friend, family member, etc. If the available Additional Insured Types do not meet your needs or you are entering into a contract that requires a waiver of subrogation or specific contractual language, please call Customer Service at 877.438.7459.

Loss Payee/Mortgagee/Lien holder:

Most often used with personal property (vehicles, equipment, etc.). The loss payee is the company that holds the loan note on personal property and usually requires to be named in a loss payable clause of the insured’s insurance policy. The loss payable clause is a provision that authorizes the insurer to make a loss payment to a person or entity other than the insured to the extent that the loss payee/mortgagee/lien holder has an insurable interest in the property.

If you are hosting a Special Event, tournament, retreat, or any other type of off-site event that fits the below specifications, you must contact Customer Service for further review of your event at 877.438.7459. Otherwise, your event is automatically covered under your current policy.

Special Events NOT covered:

• Parades sponsored by the Insured
• Aircraft
• Motorcycle runs and automobile rallies
• Fireworks
• Firearms
• Animals – other than house pets
• Carnivals and fairs with mechanical rides sponsored by the Insured
• Rock, Hip-Hop or Rap concerts
• Events including contact sports
• Rodeos sponsored by the Insured
• Political Rallies
• Any event lasting more than 3 days (including otherwise acceptable events listed below)
• Any event with greater than 250 people at any one time (including otherwise acceptable events listed below)
• Any event with liquor provided by the Insured if a license is required for such activity.
• Any activities by third party telemarketing, direct mail, or internet advertising (including spam) firms.
• Any event that involves participant liability of a professional athlete. A professional athlete is defined as a person who derives an income from the sport or activity in which he/she plays or performs.