Our Policy: Insurance Coverage
Any Outside Organization and/or individual utilizing an Entity facility for any reason or any parishioners or employees utilizing Entity facilities (for events and activities not sponsored by the Entity) that already maintain Comprehensive General Liability Insurance must provide a “Certificate of Insurance” with the following minimum limits of insurance:
Whenever food and / or alcohol are served or any other hazardous activities deemed applicable by the Diocese Director of Risk Management: $1,000,000 per occurrence and coverage applicable to the event.
For all other events: $500,000 per occurrence and coverage applicable to the event.
The certificate needs to state in the Description of Operations section that there is an endorsement to the policy naming “The Roman Catholic Diocese of Dallas” and the specific Entity as “Additional Insured”, and that the coverage available under the policy is primary over any other coverage available.
Entities also need to ensure that the coverage listed on the certificate covers all aspects of the event and activities.
Note: Some General Liability Policies may “exclude” coverage for alcohol service. If the event or activity involves serving alcohol, the insurance policy needs to cover this type of activity. To ensure that this specific area is properly covered under their insurance, Entities should request that the certificate of insurance specify that “Liquor Liability” and/or “Host Liquor Liability” is covered under the General Liability Policy. See separate Diocesan Alcohol Use Policy. Policy on Use of Entity Facilities September 2011 Page 3 of 3
If the Outside Organization and/or individual utilizing the Entity facility or any parishioners or employees utilizing the Entity facility for events and activities not sponsored by the Entity do not maintain General Liability Insurance Coverage as set forth above, or if the coverage is insufficient in amount or scope of coverage, they will be required to purchase Special Events Insurance.
If the Outside Organization and/or individual utilizing an Entity facility for any reason or any parishioners or employees utilizing Entity facilities for non-parish / school / diocesan sponsored events and activities utilize any third parties for catering, food service, alcohol service (where allowed), or any other services, the third party must provide the Entity with a certificate of insurance similarly listing the Diocese and Parish as “Additional Insured”.
Where to get Special Events Insurance
American Specialty (https://americanspecialtyexpress.com/)
RVNA/Fireman’s Fund (http://www.specialeventinsurance.com/)
Markel Insurance (https://www.markelinsurance.com/event)
K&K Insurance (https://www.kandkinsurance.com)