Alabama Fairs And Fairgrounds Insurance

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Alabama Fairs And Fairgrounds Insurance Policy Information

AL Fairs And Fairgrounds Insurance

Alabama Fairs And Fairgrounds Insurance. Fairs of all shapes and sizes are wonderful events. They bring communities together, providing them with a place where they can enjoy fun, festivities, and of course, all types of food.

Rides, games, fun houses, and shows are just some of the attractions. Vendors sell an assortment of unique items, too. There's no doubt about it; there's nothing better than a fair.

Fairgrounds are designed for large public gatherings such as business meetings, cultural events, educational events, exhibitions, fairs, bazaar, sporting or skill events, or other types of programs.

There may be numerous buildings spread over a wide area, including exhibition halls, auditoriums, grandstands, meeting facilities, and open-air livestock barns. There may be permanent stages and seating or these may be temporary for special performances.

Fairgrounds usually have snack bars or numerous food vendors. Liquor may be sold. Thousands of guests may attend events. Operations may be seasonal or available year-round. They are usually owned and operated by a county or state board.

If you're the operator of a AL fair or a fairground, you are tasked with the wonderful job of spreading joy. However, your job isn't all fun and games; you are exposed to a variety of risks.

In order to protect yourself from the liabilities that are associated with owning and operating fairs and fairgrounds, you need to have the right type of Alabama fairs and fairgrounds insurance coverage in place.

Alabama fairs and fairgrounds insurance protects local, county, state and other fairs & festivals from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.

Why Do Fairs And Fairgrounds Need Insurance?

While you try your best to make sure that your all of the events that are associated with your AL fair or that are held on your fairgrounds go off without a hitch, there's always a chance that something could go wrong.

A patron could trip over wires that are being used to power rides; an electrical short could spark a fire; a ride could break down, trapping rides insideā€¦. These are just a few of the issues that could arise, and as the owner and operator of a fair or fairgrounds, you are liable for anything that does go wrong.

In order to protect yourself from the unexpected, having Alabama fairs and fairgrounds insurance is an absolute must. If you are covered, when something does go wrong, instead of having to pay the related expenses out of your own pocket, your insurer will cover them for you.

In other words, insurance can help to protect you from serious financial losses. Additionally, fairs and fairgrounds are legally required to carry certain types of insurance coverage. If you fail to have the coverage that is necessary, you could be looking at costly fines. There's a chance that you could have your license revoked, too.

What Type Of Insurance Do Fairs And Fairgrounds Need?

The specific types of Alabama fairs and fairgrounds insurance coverage needed to have in place depend on several different factors and the specifics of your particular operation; where it is located, the size of the event or property, and what type of activities occur at your fair or on your fairgrounds, for example.

Examples of some of the different types of Alabama fairs and fairgrounds coverage that should be considered include the following:

  • Business personal property coverage
  • Commercial general liability insurance
  • Commercial property insurance
  • Damage to premises rented coverage
  • Personal and advertising injury coverage
  • Products and complete operations coverage
  • Vendor insurance

The above are just a few examples of the different types of Alabama fairs and fairgrounds coverage are needed. There are policies available that offer several different coverages under a single policy, or you may purchase separate policies.

The amount of coverage you need to fully insure your fair or fairground depends on the specifics of your operations. An agent will be able to assist you with determining how much coverage you should have in place.

Similarly, the amount that it will cost to insurance a fair and fairground also depends on several different factors, such as the size of your fair, the specific types of activities that occur on your fairground, where the operation is located, and more.

AL Fairs And Fairgrounds' Risks & Exposures

Premises liability exposure is high due to the large numbers of visitors on premises during events. Public and life safety code compliance is very important. Good housekeeping is critical to preventing trips, slips, and falls. Floor coverings must be in good condition. Adequate lighting, marked exits, and egresses are mandatory. Steps must have handrails, be well lit, marked, and in good maintenance and repair.

Animals brought to the fairgrounds by exhibitors or for petting zoos can spread disease, bite, scratch, or kick guests. Temporary stages may collapse. Parking areas should be maintained free of snow and ice.

Security at the facility, as well as in the building, corridors, and any owned parking area, needs to be carefully checked and reviewed. There should be an evacuation plan for emergencies. The fairgrounds may present an attractive nuisance hazard when not in use. There must be adequate security to prevent unauthorized entry to children, vandals, or would-be terrorists.

Personal injury losses may occur due to alleged wrongful removal, invasion of privacy, or discrimination. Contracts with suppliers, vendors, event planners, and performers must be clear as to all responsibilities.

Carnival operations pose a significant concern as guests may be injured by malfunctioning rides. Carnival operators must have appropriate permits from the state. Integrity of the operators of the carnival and maintenance of rides are key concerns. Adequate security and safety must be provided for patrons of each ride, particularly, smaller children.

Carnival operators must have adequate insurance limits and should provide certificates of insurance to fairground owners. The insured should consider being added as an additional insured to the carnival operator's policy. Complaints must be investigated and resolved promptly.

Liquor liability exposure can be quite extensive if employees and food service vendors are not properly trained to recognize the effects of excessive alcohol consumption. There must be procedures in place for verifying the age of guests ordering alcoholic beverages and for refusing service to underage guests.

In addition, there should be a "cut-off" time well before closing time to prevent visitors from consuming excessive alcohol prior to driving home.

Products liability exposures can be high if the fairground operates the restaurants or snack bars. Employees should be trained in the proper handling of consumables to prevent foreign objects in food, food poisoning, or the spread of other transmissible diseases.

If these are contracted out, the fairground should verify that the operators have adequate liability coverage.

Workers compensation exposure can be very high. Employees who set up, build, or transport stage settings, equipment, lighting, and scenery may be injured by cuts, puncture wounds, electrical shocks and burns, slips and falls, or back injuries, hernias, strains, or sprains from lifting or working from awkward positions.

Stage and lighting setup may involve aboveground exposures that need additional protection and precautions to avoid falling from heights or being hit by falling objects. Hawkers, peddlers, and vendors employed by the fair to sell wares in the stands and on the premises have high potential to falls due to limited visibility as they ascend and descend steps while carrying items to sell.

Animals brought to the fairgrounds by exhibitors or performers can spread disease, bite, scratch, or kick workers. Ongoing exposure to noise levels can result in hearing impairment. Food preparation operations can result in cuts, scrapes, and burns.

Cleaning and maintenance operations can result in lung, eye or skin irritations, and reactions. Adequate security and training must be provided to employees handling money in ticket booths, gift shops, and concession stands to reduce the possibility of injury due to holdups.

Security personnel should be trained to deal with both holdups and unruly patrons.

Property exposure is very high due to the extensive electrical system necessary to run the lighting, sound systems, and other electronic equipment. Event sponsors and performers will often bring their own equipment that must be fitted into the electrical system provided by the fairgrounds.

The electrical system must be in good repair, adequate for the equipment used, and meet all current building standards. All circuit breakers must be well maintained with no overrides.

Event preparations such as building, painting, or gluing scenery or displays that use wood, plastic or flammables will contribute to the fire load. Some performers incorporate smoke or fireworks into their shows. These operations must be properly controlled, with all flammables stored in approved containers and cabinets.

Fairgrounds are often located in rural areas with limited or no access to public water sources. Smoking must be controlled throughout the facility.

If food preparation is done on premises, such as in concession stands, all cooking equipment must be properly controlled. Fairgrounds may be an attractive nuisance, particularly during the off-season.

There must be daily inspection of the premises to prevent vandalism and break-ins and to detect small fires. Business income loss may be substantial following a building loss due to the unavailability of backup facilities.

Equipment breakdown exposure may be high due to the heating and air conditioning systems, cooking equipment, hot water systems, electrical control panels, and lighting and sound equipment used for special events. Breakdown and loss of use could result in significant loss, both direct and under time element, if replacements parts are unavailable or repair time is lengthy.

Crime exposure is from employee dishonesty and money and securities. Employee dishonesty coverage should be extended to include volunteers. Background checks should be conducted on all employees and volunteers handling money. Cash is collected for parking, admission, gift shop, and vending operations. All money must be counted by more than one employee and deposited by another.

Ordering, billing, and disbursements should be separate operations. Money must be collected and deposited on a frequent basis during the days of operation. No money is to remain on premises overnight. There must be adequate security from guards.

Inland marine exposures are from accounts receivable if the fairground bills customers for services, audio-visual equipment, computers, mobile equipment, musical instruments, theatrical property, and valuable papers and records for contracts with suppliers and vendors.

Values can be very high with the wide variety of equipment for sound, lighting, scenery, and displays. Owned equipment used or taken off the premises can be damaged in transit or stolen. If the fairground assumes responsibility for the equipment of entertainers or other occupants while on the premises, bailees customers coverage should be considered.

Duplicates of records should be made and stored off-site for easy restoration.

Commercial auto exposure is generally limited to hired and non-owned for employees running errands. If there are owned vehicles, all drivers must be licensed and have acceptable MVRs. Vehicles must be maintained on a regular basis with all service documented.

Alabama Fairs And Fairgrounds Insurance - The Bottom Line

Since Alabama fairs and fairgrounds insurance coverage varies, speaking to a reputable agent who specializes in commercial insurance is highly recommended. A broker will be able to let you know exactly what kind of coverage you'll need, as well as help you determine what limits you should have for your policies.

Furthermore, an agent will help you get the best rates possible so that you can have the coverage you need to protect your AL operations at a pries that are fair and affordable.

Alabama Economic Data, Regulations And Limits On Commercial Insurance

Made In Alabama

Every business-minded person who is looking into opening a business knows that location plays a huge role in their success. It's important to ensure that the area where you're thinking establishing a business is conducive to your industry. Additionally, it's important to have a firm understanding of the rules and regulations that pertain to commercial operations in the area.

If you're an entrepreneur who is thinking about starting a business in the state of Alabama, read on to find an overview of The Heart of Dixie's economic data and commercial insurance requirements.

Economic Trends For Business Owners In Alabama

Unemployment rate is an important factor that prospective business owners should take into consideration before establishing a corporation, as it directly reflects the labor market of the area. A low rate of unemployment indicates that there are enough jobs to support the overall population, and jobs indicate that local businesses are successful.

This information directly reflects whether or not the economy of a state is healthy enough to support new businesses. As per the Bureau of Labor Statistics, Alabama's unemployment rate was 2.7% as of 2020, 0.8% lower than the national average of 3.5%. This is a good sign for entrepreneurs who are considering establishing a business in the state.

Birmingham is one of the top cities for business in Alabama. It's considered the hub of technological growth in the state, and is the site for numerous tech startups. Huntsville is also a key location for startups in the tech industry, as it's regarded as one of the most "tech-friendly" cities of the Southern United States. Montgomery and Tuscaloosa are also two cities potential business owners might consider setting up shop in the state of Alabama.

While several industries do well in the state, the following key sectors are experiencing the most growth in AL:

  • Aerospace and aviation
  • Agriculture
  • Automotive
  • Beverage production
  • Bioscience
  • Chemical development
  • Corporate operations
  • Cybersecurity
  • Distribution
  • Metals, such as iron and steel
  • Technology
  • Tourism
Commercial Insurance Requirements In Alabama

The Alabama Department of Insurance regulates insurance in AL. Alabama mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Alabama requires you to have worker's compensation insurance if you have 5 or more employees on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Alabama also requires all business-owned vehicles to be covered by commercial auto insurance. Other insurance policies that business owners in AL need to invest in depend on the specific industry.

Additional Resources For Arts & Recreation Insurance

Read up on small business arts and recreation commercial insurance.


Arts And Recreation Insurance

Commercial insurance policies for arts, entertainment and recreation are specialized policies that protect against the unique risks that arts and recreation businesses face.

Performing artists and companies, entertainers including musical groups, theatre groups, comedians and more, writers, performers, photographers, videographers, DJ's and so many other types.

Professional liability coverage (errors and omissions) is needed in these cases to protect their financial interests due to mistakes, errors or omissions by these professionals in doing their jobs. Fr example - a bride and groom did not like the way their wedding photos turned out.

Or a wedding planner might plan a lavish wedding, but the bride's parents who are paying for it did not like the way it went. There is a lot of gray areas with arts, and you need to be protected if your clients don't agree with you that your work was what the agreed to.

If your business is involved with children, you need to review your coverages very carefully so certain important protections are not excluded. Abuse and molestation insurance might be needed to fully protect yourself in this instance.

Minimum recommended small business insurance coverage: Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Building, Bailees Customers Floater, Money and Securities, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.


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Also find Alabama insurance agents & brokers and learn about Alabama small business insurance requirements for general liability, business property, commercial auto & workers compensation including AL business insurance costs. Call us (205) 855-5999.

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