(A) In order to comply with the city’s insurance liability carrier, city officials will review the special event application and determine if insurance is required and the appropriate type and amount of insurance. When insurance is required, the event sponsor shall provide a valid certificate of insurance naming the City of Saginaw as an additional insured and general liability coverage must extend to the event. The carrier must be approved and admitted within the state or listed on the non-admitted approved carrier list. The certificate of insurance must be submitted to the Department of Public Services in advance of the event and within the time frame established by the Department of Public Services.
(B) Events sponsored by city boards, such as the Saginaw Community Enrichment Commission, are covered under the city’s insurance policy. The event is subject to the self-insured retention (deductible) on the city’s insurance policy at the time of the event.
(C) The city may require participants to sign hold harmless waivers.
(D) Minimum insurance requirements include, but are not limited to, full commercial general liability covering personal injury, bodily injury, and property damage in the amount of $500,000 per occurrence/$500,000 per aggregate. All other events will be required to provide insurance based on past experience and assessment of the city’s potential liability risk factors based on the following risk categories:
(1) Class I - Low Hazard involves no physical activity by participants and no severe exposure to spectators other than normal activity and exposure in a city park or public location. Examples of events in this category include, but are not limited to, meetings, seminars, social gatherings, theatrical performances, and auctions. It shall be the policy of the city to not routinely require insurance coverage for events classified as Class I - Low Hazard. This waiver of the insurance requirement is meant to cover small gatherings or ceremonies that do not involve more than 75 people, are limited to passive participation by the public, and require no city services.
(2) Class II - Moderate Hazard involves limited physical activity by participants and no severe exposure to spectators. Events in this category include, but are not limited to, amateur team sports, dances, animal shows, political rallies, flea markets, picnics, and parades with no floats.
(3) Class III - High Hazard involves major participation by participants and/or moderate exposure to spectators. Events in this category include, but are not limited to, parades with floats, marathons or races, circus/carnivals, and semi-pro team sporting events.
(4) Class IV - Severe Hazard involves severe exposure to spectator and/or participants. Examples of events in this category include, but are not limited to, rock concerts, alcoholic beverage sales, vehicle races, fireworks, ice skating events, professional or collegiate sporting events.
(Prior Code, § 99.06) (Ord. O-146, passed 5-20-2013, effective 5-30-2013)