Super Bowl Insurance And Risk Management: More Than The Main Event

“Fans likely also will be unaware that the exposures that have been addressed include not just the event inside Indianapolis’ Lucas Oil Stadium, but those extending far beyond the venue’s gates.”

“The planning of an event the size and scope of the Super Bowl has been going on for years in advance of this event.”

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)

  * Property

  * Media Liability

  * Event Cancellation

  * Weather Insurance

Here are some 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, security.

*  Preparation for terrorist attack including prevention and response.

*  Halftime show with all the people on stage and fireworks.

*  Pre game airplane flyover.

*  Adverse weather that prevents ingress and egress 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.

Source: Planners Tackle Super Bowl Risks, Rodd Zolkos, Business Insurance, January 30, 2012