7.04.100 Insurance requirements.
A. Liability Coverage Required. The applicant/sponsor of an event must possess or obtain public liability insurance to protect against loss from liability imposed by law for damages on account of bodily injury and property damage arising from the event. A certificate of insurance shall be filed thirty days prior to the event with the public works and/or park’s director, and shall name the city, its officials, employees and agents, as additional insured. Insurance coverage must be maintained for the duration of the event.
B. Minimum Limits Defined. Coverage shall be a commercial general liability policy. Minimum limits required are one million dollars each occurrence combined single limit bodily injury and property damage; two million dollars aggregate. If food or nonalcoholic beverages are sold or served at the event, the policy must also include an endorsement for liquor liability. If the event involves athletic or other types of active participants, the policy must include participant coverage. The city council may require additional endorsements depending upon the proposed activity.
C. Waiver or Reduction of Required Limits. The public works and/or park’s director may waive or reduce the insurance requirements of this chapter under the following conditions:
1. The applicant or an officer of the sponsoring organization signs a verified statement that he believes the event’s purpose is First Amendment expression, and that the cost of obtaining insurance is so financially burdensome that it would constitute an unreasonable burden on the right of First Amendment expression. The statement shall include the name and address of two insurance agents or other source of insurance coverage contacted to determine insurance premium rates for insurance coverage.
2. The applicant or an officer of the sponsoring organization signs a verified statement that insurance coverage in the limits required is impossible to obtain. The statement shall include the name and address of two insurance agents or other source of insurance coverage contacted.
3. The public works and/or park’s director determines that the insurance limits are in excess of the reasonable risk presented by the proposed special event. (Ord. 2744 Att. A, 2006)