Special Event Coverage

Instructions for completing the Special Event Application

What is Special Event Coverage?

Special Event Coverage is a mechanism that allows the diocese to extend liability coverage to an individual/organization using parish facilities for a non-parish sponsored event.  The coverage provides $1,000,000 in liability coverage to a non-parish sponsored facility user (lessee).

When should Special Event Coverage be utilized?

Special Event Coverage can be used when a parish or other church institution is allowing an individual/organization to use its facilities for a non-parish sponsored activity.  When determining whether or not an activity is parish sponsored, the following questions are helpful.

1. Did the parish have full control or final decision-making authority over the function?
2. Did any fees associated with the function flow through parish accounts?
3. If applicable, was the function open to all parish members?
4. Was the purpose of the function to facilitate learning, raise funds for the parish or to provide a social service on behalf of the parish?
5. Was the organizer or leader of the function a parish employee or volunteer?

Generally, if the answer to any of the above questions is “no”, the activity is not parish sponsored meaning that the facility user needs to provide insurance which includes the diocese and the parish as additional insured.

When it is determined that an activity is non-parish sponsored, there are two options.

OPTION I

The Facility Usage/Indemnity Agreement can be completed by the organization using parish facilities. This agreement requires $1,000,000 in liability coverage, which must name your parish and the diocese as an additional insured.

OPTION II

Special Event Coverage can be purchased which will cover the individual or organization holding the activity, the parish, and the diocese.

Who is eligible for Special Event Coverage?

Special Event Coverage can be extended to individuals and/or organizations (either profit or non-profit). Many individuals need this coverage for events such as private wedding receptions or family reunions. Non-profit organizations such as a charity organization may need the coverage for a pancake breakfast. A for-profit organization such as a local business may need the coverage for an employee Christmas party held on parish facilities.

What is covered by Special Event Coverage?

Below is a brief explanation of what is covered by Special Event Coverage along with some items that are excluded. Please note that the actual coverage form must be examined for an exhaustive explanation of what is covered and excluded.

• Special Event Coverage covers most non-parish sponsored activities. Common examples are wedding receptions, family reunions, awards banquets, and fundraisers.
• $1,000,000 in liability coverage for bodily injury and property damage is provided for the special event user, parish, and diocese. Please note that the $1,000,000 limit is shared by the covered parties and is a “per event” coverage.
• Liquor liability coverage is provided.

Some types of events are not covered:

>  Any event lasting longer than 72 hours

>  Fireworks

>  Events involving more than 1000 people

>  Events where admission is charged unless all proceeds go to charity.

>  Events involving amusement devices or trampolines

>  Carnivals

>  Any event organized or run by a professional promoter

>  Sporting events including camps and tournaments

>  Events involving pool or lake activities

>  Events involving recreational vehicles

If there are any issues with the online application process, please contact K&K Insurance at 800-553-8368 or [email protected].