This page provides an overview of exclusions that apply to BriteCo’s Event Liability and Event Cancellation Insurance policies. These exclusions outline specific circumstances where coverage does not apply, helping policyholders understand the scope and limitations of their event insurance.

Event Liability Insurance Exclusions

Event Liability Insurance is designed to protect against certain liabilities arising from accidents or injuries that occur during the insured event. However, coverage does not extend to every scenario. Exclusions include, but are not limited to:

• Intentional Acts and Criminal Activity:
  Claims arising from intentional acts, unlawful activities, or actions violating local, state, or federal laws are excluded from coverage.
• Known Hazards and Pre-Existing Conditions:
  Any liability arising from known hazards or pre-existing conditions that the policyholder was aware of prior to the policy’s inception is excluded. This includes conditions on the premises or event location that were known to be hazardous or unsafe.
• Alcohol-Related Incidents Without Proper Permits:
  If alcohol is served at the event without the necessary permits or in violation of state or local laws, any liabilities resulting from alcohol-related incidents will not be covered.
• Contractual Obligations:
  Liabilities that the policyholder assumes under contract, except as required by law, are excluded. This includes any indemnity agreements or special arrangements not covered by the terms of the policy.
• Third-Party Vendors and Equipment Malfunctions:
  Damages or injuries caused by third-party vendors, contractors, or rented equipment not managed by the policyholder are excluded. This includes issues arising from equipment failure or lack of maintenance by third-party providers.
• Extreme Weather or Natural Disasters:
  Claims arising from natural disasters, extreme weather events, or other “acts of God” beyond normal expectations for the location and season are excluded unless specified otherwise in the policy.
• Participant and Performer Injuries:
  Injuries or accidents involving participants, performers, or contractors hired by the event organizer are generally excluded unless specific participant liability coverage has been purchased.

Event Cancellation Insurance Exclusions

Event Cancellation Insurance provides financial protection for losses due to the unforeseen cancellation, interruption, or postponement of the event. However, certain exclusions apply:

• Known Circumstances and Pre-Existing Conditions:
  Any loss resulting from known circumstances or pre-existing conditions that the policyholder was aware of prior to purchasing the policy is excluded. This includes potential issues or risks known to be likely to cause cancellation or postponement.
• Failure to Secure Necessary Permits or Licenses:
  If the event cannot proceed due to the organizer’s failure to obtain the required permits, licenses, or regulatory approvals, losses related to the cancellation are excluded.
• Financial or Contractual Disputes:
  Losses arising from financial issues, contractual disputes, or breaches of contract between the event organizer and third parties, such as vendors or venues, are excluded.
• Weather Conditions Within Seasonal Norms:
  Cancellation or interruption due to expected seasonal weather (e.g., rain during a rainy season) is excluded. Extreme weather exclusions may be considered separately, based on the policy.
• Pandemics, Epidemics, and Public Health Emergencies:
  Unless specifically endorsed, cancellations or interruptions due to pandemics, epidemics, or other public health emergencies are excluded from coverage.
• War, Terrorism, and Civil Unrest:
  Any losses resulting from acts of war, terrorism, civil commotion, riots, or other acts of political instability are excluded unless a specific terrorism endorsement has been added to the policy.
• Voluntary Cancellation or Poor Attendance:
  Losses resulting from voluntary cancellation by the policyholder or poor attendance due to lack of interest are excluded. Only cancellations or interruptions due to unforeseen, covered events qualify for reimbursement.

Policyholder Responsibility

Understanding these exclusions helps policyholders better prepare for their events and manage expectations around their coverage. For questions or clarifications regarding these exclusions, please contact BriteCo at [email protected].

These exclusions are provided for general guidance and may vary based on specific policy terms. Please refer to your individual policy documents for detailed terms and conditions related to coverage and exclusions.