Which activities typically require extra coverage or contractor protection at Utah municipal events
Summary
The Trust presenter said standard municipal insurance excludes high-risk activities — bouncy houses, aircraft candy drops and homemade mechanical rides — and recommends naming the government as additional insured on contractor policies and using indemnification language in contracts.
Presenter (S1), identified as a risk manager affiliated with the Utah Government Trust and the Salt Lake Organizing Committee, listed activities commonly excluded from the Trust's base coverage and explained how governments should manage vendor risk.
He said aircraft activities (for example, candy drops) are specifically excluded and require separate negotiation or endorsement. Drones may be covered with specific endorsements but organizers should schedule drone activity on property schedules and consult a risk-finance consultant. "Bouncy houses are specifically excluded," he said, citing documented incidents where wind carried inflatables away. Mechanical amusement rides, homemade rides and other high-hazard attractions are likewise excluded or require specialized coverage.
When municipalities want such activities, the presenter recommended bringing in reputable contractors who can show certificates of insurance naming the government as an additional insured and providing indemnification language vetted by legal counsel. For small vendors that lack coverage, he pointed to short-term event insurance products available for purchase by the hour or day.
On contractual protections, he advised specifying the activity in the vendor's policy (for example, calling out a bounce house) so the insurer's policy covers the actual exposure. He also cautioned that liability waivers have limited effectiveness if a case goes to court and should not be treated as a substitute for appropriate insurance and contract language.
The presenter closed by offering to consult with local officials about specific proposals and assured attendees the Trust would post the webinar materials on YouTube and Trailion.
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