More at risk than the main event
Super Bowl fans are likely unaware of the risk exposures of the event and those extending far beyond the venue’s gates. Planning of an event the size and scope of a Super Bowl begins years in advance. The types of insurance policies typically needed for a Super Bowl-type of event are spread among multiple insurance carriers and include the following:
- General Liability and Excess (limits may exceed $100 million)
- Media Liability
- Event Cancellation
- Weather Insurance
And there are Super Bowl exposures that require risk management controls:
- The event itself, including field, stands, and surrounding parking lots for the normal exposures of slip/trip/fall, crowd management, and security
- Preparation for potential terrorist attacks, including prevention and response
- Halftime show with all the people on stage and fireworks
- Pre-game airplane flyover
- Adverse weather that prevents participant and ticketholder arrivals and departures, including postponement and cancellation contingency plans.
- Surrounding activities such as pep rallies, parties, entertainment events, etc.
- Collapse and other liability resulting from temporary event structures such as stages, bleachers, platforms, tents etc.