12. Insurance Requirements

SECTION 12

INSURANCE REQUIREMENTS

If a festival or event is going to be held on public property and has one or all of the features below, then the event producer must comply with the following applicable insurance requirements to be able to obtain a Special Event Permit from the Louisville Metro Codes and Regulations Department/Permits and Licenses Division:

  • Expected attendance of 500 or more people;
  • Fireworks or pyrotechnics will be displayed;
  • Alcoholic beverages will be served or sold;
  • Carnival rides or inflatables will be part of the event.

Event producers and any vendors who enter into contracts with them must purchase and maintain throughout the event, including setup and dismantling dates, the following types of liability insurance, if applicable, at their own expense:

General Liability Insurance:
If the event producer is a business or not-for-profit entity, they must submit a Certificate of Insurance providing proof of a commercial general liability insurance policy, written on an occurrence basis for bodily injury, personal injury, property damage and product liability, with a minimum limit of liability of $1,000,000 per occurrence.

The event producer and its vendors must list Louisville Metro Government and any Metro owned venues hosting an event as additional insureds on all commercial general liability policies.

Liquor Legal Liability Insurance:
If the event producer is a business which manufactures, distributes, sells, or serves alcoholic beverages, and intends to serve or sell alcoholic beverages at an event, they must also submit a Certificate of Insurance providing proof of a liquor legal liability insurance policy or properly endorsed general liability policy.

If this event producer hires a vendor to serve or sell alcoholic beverages, rather than providing the alcohol themselves, they must submit a Certificate of Insurance from the vendor providing proof of a liquor legal liability insurance policy or properly endorsed general liability policy.

In either case, the minimum acceptable limit of liability per claim and aggregate is $1,000,000. This requirement applies to the business or group which serves or sells the alcohol.

The firm which is required to supply the liquor legal liability policy must list Louisville Metro Government and any Metro owned venues hosting an event as additional insureds on the policy providing the liquor legal liability insurance.

Host Liquor Liability Coverage:
If the event producer is a business which does not manufacture, distribute, sell or serve alcoholic beverages but intends to serve or sell alcoholic beverages at the event, the event producer's commercial general liability policy should not include the ISO Form CG 2150 0989 -- liquor liability exclusion amendatory endorsement or similar exclusion limiting coverage for serving or selling alcoholic beverages.

If this same event producer decides to hire a vendor to serve or sell alcoholic beverages, rather than providing the alcohol themselves, they must follow the instructions under Liquor Legal Liability Insurance.

Personal Liability Insurance:
If the applicant/event producer is not a business or not-for-profit entity, but is an individual who expects more than 500 attendees at the event and/or intends to serve or sell alcoholic beverages at the event, or have inflatables, the applicant/event producer must submit a Certificate of Insurance providing proof of personal liability insurance, through either a homeowners policy or other liability insurance policy, in an amount not less than $500,000 combined single limit per occurrence. If alcohol is going to be served or sold by an individual event producer, the Certificate of Insurance must specify that Incidental/Host Liquor Liability coverage is provided for that particular event, and specify the date of the event.

If this same individual event producer decides to hire a vendor to serve or sell alcoholic beverages, rather than providing the alcohol themselves, they must follow the instructions under Liquor Legal Liability Insurance.

If this same individual is putting on an event using a vendor to provide carnival rides or inflatables, they must obtain general liability insurance from the vendor as described in General Liability Insurance.

Fireworks or Pyrotechnics Permit:
If the applicant/event producer intends to display fireworks or pyrotechnics and obtains a Fireworks or Pyrotechnics Permit from the Louisville Division of Fire or the Fire District having jurisdiction, or contracts with a fireworks/pyrotechnic vendor who obtains the required permit, the minimum combined single limit of liability for all displayers is $1,000,000 per occurrence. This amount may be increased at the discretion of Louisville Metro officials based on potential risk associated with the event. The firm that actually launches the fireworks must provide a Certificate of General Liability Insurance with a minimum limit of liability of $1,000,000 per occurrence, listing the date(s) of the event.

The pyrotechnics vendor's policy must list Louisville Metro Government and any Metro owned venues hosting an event as additional insureds.

Carnival Rides or Inflatables:
If the applicant/event producer is a business or not-for-profit entity which intends to use carnival rides or inflatables at their event, they must submit a Certificate of Insurance providing proof of a commercial general liability insurance policy, as described in General Liability Insurance.

Miscellaneous Requirements:
All event related insurance policies must state that Louisville Metro and any Louisville Metro owned venues hosting an event will be notified at least 30 days in advance of any intent by an insurance company to cancel or not renew an applicant/event producer's or vendor's insurance coverage.

With reasonable notice to event producers, Louisville Metro reserves the right to require insurance of event producers and/or vendors for activities other than those specifically mentioned, or to increase the minimum acceptable limits of liability.

All Certificates of Insurance required for an event must be submitted by event producers to the Codes and Regulations Department/Permits and Licenses Division, along with the event's Special Event Permit, at least thirty (30) days prior to the event.

Approval of insurance by Louisville Metro does not in any way relieve or decrease the insurance liability of an event producer or vendor. Louisville Metro does not represent the specified limits of liability or coverage or policy forms are sufficient or adequate to protect the interest or liability of the event producer or vendor. All insurance must be placed with insurance companies with an AM Best Rating of no less than B+VI unless special approval is obtained from Louisville Metro Risk Management Division.

For further information, contact:

Louisville Metro Codes and Regulations Department
Permits and Licenses Division
444 S. Fifth Street, Suite 200
Louisville, KY 40202

(502) 574-3591
(502) 574-5245 fax

www.louisvilleky.gov/ipl

Contact IPL

Louisville Metro Finance Department
Risk Management Division
611 W. Jefferson Street
Louisville, KY 40202

(502) 574-1388
(502) 574-4384 fax

www.louisvilleky.gov/finance