You can be prepared with our Special Event Liability Insurance. This insurance provides protection when you host activities that fall outside the scope of your General Liability Insurance or in instances where you do not currently carry General Liability Insurance. Event Liability Insurance provides liability coverage and legal defense for claims of negligence brought on the basis of mismanagement, improper security, failure to maintain equipment/fixtures, and more.

As you plan your event, it's essential that you make the appropriate insurance arrangements. Don't put it off; take care of the insurance now!

To apply for coverage, simply click the “Apply Online” button or print the application by clicking the “Download Application” button. If you have questions or need more information, contact Mercer Consumer at 1-866-838-9536.

Important Information: Participants Legal Liability is outlined below.

NOTE: Accident Medical only applies if you are having a sporting event/activity (see the Hazard Class Chart below).

 

Student Organization On-Campus Events

If you are applying for coverage for an On-Campus hazard class 1 event, it is automatically insured by your University and no further action is required.* For On-Campus hazard classes 2 & 3, you may obtain a Certificate of Insurance by submitting your application online or by clicking on “Download Application” (to the right) and completing the paper application. If you are applying for coverage for an On-Campus hazard class 4 event, a paper application is always required; please allow 7-10 business days for further underwriting review. Once completed, the application may be emailed to plsdsteam.service@mercer.com.

Student Organization Off-Campus Events

If you are applying for coverage for an Off-Campus hazard class, 2 or 3 event, you may obtain a Certificate of Insurance by submitting your application online or by clicking on “Download Application” (to the right) and completing the paper application. If you are applying for coverage for an Off-Campus hazard class 4 event, a paper application is always required; please allow 7-10 business days for further underwriting review. Once completed, the application may be emailed to plsdsteam.service@mercer.com.

Please click on the ‘Hazard Class Chart’ button below to find the following:

• The appropriate hazard class for your non-sport and/or sport event
• To determine any potentially necessary waiver requirements
• To determine possible requirements for Accident Medical insurance.

 

Hazard Class Chart

 

If your event is not listed, please either contact us at 1-866-838-9536, Monday – Friday, 8am-5pm (CT) or via email at plsdsteam.service@mercer.com or you may simply click on “Download Application” (to the right), complete the paper application and email it to us.

 

DISCLAIMER/EXCEPTIONS

If any of the following applies to the event, please download and complete an application and email it to Mercer at plsdsteam.service@mercer.com or fax 515-365-3005.

• Involves more than 5,000 people
• Products coverage is available up to $10,000 in products sales. If your sales exceed $10,000, this coverage is available at an additional cost and you must fill out an application. 
• It is a sporting event. Sporting events require Accident/Medical Coverage for participants. To purchase medical coverage click on the Accident/Medical link on the first page of your event liability insurance application to confirm if your event requires Accident Medical Coverage. If your event involves participants (i.e. a sporting event), you must have Accident Medical coverage in force. To purchase Accident Medical coverage, please visit the Accident Medical page on this website.
• Requires Garage Keepers Coverage - Covers damages to your guests' vehicles caused by you if you provide parking for guests vehicles. If you are not parking vehicles at your event, you do not need this coverage. If a vendor, hired by your organization, is parking vehicles at your event, the vendor must provide a Certificate of Insurance naming your organization and Wright State University as additional insureds.
• Requires Garage Keepers Coverage - This policy does not provide coverage for damage to customers’ vehicles if you are providing valet service. If you need this coverage please click here to complete an application.
• Requires Auto Coverage
• Includes Amusements (examples include rock walls, trampolines)
• Includes Inflatables
• Alcohol is being served
• Includes Tents (any rented or owned tent larger then 10’x10’)

Also, if there will be vendors (caterers, DJs, entertainers, etc.) at the event they must provide a Certificate of Insurance naming the applying organization and your University as an Additional Insured.

Note: Accident/Medical only applies if you are having a sporting event.

If a vendor does not have insurance, he/she may apply for coverage by downloading and completing the Exhibitor/Vendor Liability Application and faxing it to 515-365-3005 or emailing to plsdsteam.service@mercer.com.

Please contact us at plsdsteam.service@mercer.com or 866-838-9536 with any questions.

IMPORTANT INFORMATION

Participants Legal Liability provides coverage for claims you are legally obligated to pay because of actions brought against you, the Named Insured, by players and/or other participant's. Participant means any player, coach, manager, staff member, team worker, official, media personnel, cheerleader, or band member practicing for, or participating in, the sporting event. This means all of your team members and players and any participating non members! Participant liability insurance, like all liability policies, would provide coverage to the injured party only if the Tenant Holder listed as the insured in the Certificate of Insurance issued to the Tenant User were liable.

****Failure to comply with one, or both, of the following requirements will affect Participant Legal Liability in place for any event even if a Certificate of Insurance is provided.****

Depending on the type of event for which you are applying for coverage, you may be required to have Accident Medical Coverage in place. Examples of participant events that will require Accident Medical Coverage are basketball, dance performances/competitions, baseball, cheerleading and football (both contact and non-contact). Examples of events that do not require Accident Medical Coverage in place are association, civic club and business meetings. Read below for further information, and click on the Accident/Medical link on the first page of your event liability insurance application to confirm if your event requires Accident Medical Coverage.

If your event involves participants (i.e. a sporting event), you must have Accident Medical coverage in force. Please visit the Accident Medical product page on this website for additional information about how to apply for a quote.

You must also have a Waiver and Release form system that is regularly maintained. This system must secure and maintain properly executed Waiver and Release forms for all participants. For minor participants (under eighteen years of age) you must always secure and maintain properly executed Minor Waiver and Release forms signed by the parent or legal guardian. 

How to report a claim:

We're here to help! Please contact us in whatever manner is most convenient for you.

 

Direct Phone 1-866-838-9536
Hours  M-F 8a-5p CST
Fax 515-365-3005
Email plsdsteam.service@mercer.com
Mailing Address - Program Administrator Mercer Consumer a service of Mercer Health & Benefits Administration LLC PO Box 14521 Des Moines, IA 50306
Street Address for Express Shipments Mercer Consumer 12421 Meredith Drive Urbandale, IA 50398