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City insurer: waiving event insurance doesn’t leave Oshkosh uninsured, but it shifts risk
Summary
Oshkosh's insurer explained the city's liability coverage applies to city‑sponsored activities and that waiving a third party's insurance requirement does not, according to the presenter, make the city uninsured — though it can erode protections tied to additional‑insured status and affect renewal experience ratings.
Council members asked repeatedly whether waiving insurance requirements for third‑party special events would expose the city to uncovered liability. An unnamed council member said waiving requirements could "eliminat[e] insurance protection" for the city; Matt Becker of the League Insurance program replied that "you are not uninsured" and the League would still defend claims against the city.
Becker told council…
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