Specialized Products


Active Assailant First & Third-Party Liability

Active Assailant Liability is typically triggered when one or more armed persons are actively engaged in a premeditated violent attack to kill or attempt to inflict bodily injury or cause loss of life to another person(s). The policy is designed to offer cover for attacks using a wide range of weapons, including but not limited to, hand-held firearms, road vehicles, explosive devices, and corrosive materials. The policy is designed to respond when an event causes physical damage to property and / or three or more people (other than the perpetrator) sustain bodily injury or loss of life from an insured event.

Target Classes

  • Festivals
  • Tradeshows
  • Sporting Events
  • Conferences
  • Corporate Events
  • Theme Parks
  • Concerts
  • Carnivals

Coverage

Limits of Liability up to $1,000,000 per occurrence and in the aggregate

First-Party

  • Property Damage limit $25,000
  • Business Interruption limit $25,000
  • Denial of Access limit $25,000
  • Extra Expense limit $25,000
    • Crisis Management
    • Security Response
    • Relocation Costs
    • Medical Expense

Third-Party

  • Coverage for the Damages and Claim Expenses an insured is legally liable to pay following an event
  • Legal fees which form part of the overall policy limit (not in addition to)

Minimum premium as low as $1,000, based on the insured’s risk profile, size and limit purchased

Contacts:

Debbie Spinner
Underwriting Manager
P: 612-424-7934
M: 612-210-5313
E: deborah.spinner@aliverisk.com

Aristotle Moulopoulos
Production Specialist
P: 612-895-2124
E: aristotle.m@aliverisk.com

Send submissions to programs@ryansg.com

Specialized product for:

Specialized Coverage for all types of freelance Event Production Personnel

Event Safety Alliance (ESA), and event safety network, and Alive Risk have teamed up to provide access to Crew Cover insurance for their members. Because of their safety training and continuing dedication to education, skills training and advocacy, ESA members are underwritten as being best in class. The result, considerable savings that are passed onto members as a valuable benefit of ESA membership.

ESA Crew Cover includes liability and a variety of optional insurance coverages, along with an Event Safety Alliance membership and access to ESA safety training resources.

This coverage is designed to protect against claims of bodily injury or property damage to third parties caused by your client’s operations as an individual production crew freelance in the Entertainment industry.

Product Highlights

Crew Cover includes:

  • General Liability $1M / $2M limits
  • Blanket Additional Insured included

Optional Coverages:

  • Hired and Non-Owned Auto Liability
  • Hired Auto Physical Damage
  • Waiver of Subrogation
  • Accident Medical

Event Safety Alliance membership benefits:

  • Online safety training
  • Annual summit opportunities
  • Crowd safety workshops
  • Event Safety University

Eligibility

All ESA members may be eligible for the Crew Cover insurance product provided through Alive Risk. Annual membership fees for ESA are included in the insurance product. By completing the application and binding coverage, the insured has access to ESA membership and its associated benefits.

Target Classes

All types of freelance technical production and stage crew, including:

  • Audio / Visual
  • Automation Programming Technician
  • Backline
  • General Crew
  • Lighting Tech / Designer
  • Operations Manager
  • Power
  • Production Assistant
  • Production Manager
  • Rigging
  • Sound
  • Stage Manager
  • Stage / Set Construction
  • Tour Manager

Coverage

  • Coverage
  • General Liability aggregate $2,000,000
  • Products & Completed Operations aggregate $1,000,000
  • Personal & Advertising Injury limit $1,000,000
  • Each Occurrence $1,000,000
  • Damage to Premises limit $100,000
  • Medical Expense limit excluded
  • Hired and Non-Owned Auto limit $1,000,000
  • Hired and Non-Owned Auto Physical Damage deductible $1,000
  • Blanket Additional Insured included
  • Accident Medical $25,000, $50,000, or $100,000 limits
  • Higher limits may be available

Contacts:

Debbie Spinner
Underwriting Manager
P: 612-424-7934
M: 612-210-5313
E: deborah.spinner@aliverisk.com

Joshua Schroeder
Account Executive
P: 612-401-6361
E: joshua.schroeder@aliverisk.com 

Send submissions to programs@ryansg.com

Specialized product for:

Event Cancellation Insurance

Event Cancellation insurance is triggered when an event is cancelled, postponed, curtailed, relocated or abandoned due to reasons beyond the insured’s control. The policy can offer protection against the losses of budgeted revenues and / or additional expenses incurred from the cancellation. Alive Risk takes an innovative approach to offer access to specialized solutions tailored to each event. From Event Cancellation insurance for festivals, fairs, conferences, and sporting events, to Non-Appearance Coverage for a touring entertainer, Alive Risk will work with you to protect the insured’s financial stability.

Target Classes

  • Festivals
  • Fairs
  • Tradeshows
  • Conferences
  • Sporting Events
  • Concerts
  • Touring Entertainers
  • Conventions

Coverage

  • Adverse Weather
  • Venue unavailability
  • National mourning
  • Terrorism
  • Earthquake and wildfire
  • Non-appearance of key person(s)

Product Highlights

  • Products offered on an Admitted and Non-Admitted basis
  • Minimum premiums can vary by carrier, coverage, and size of event
  • Limits of indemnity are based upon the budget of the event
  • Alive Risk can tailor capacity with multiple markets to reach the limit needed

Contact:

Aristotle Moulopoulos
Production Specialist
P: 612-895-2124
E: aristotle.m@aliverisk.com

Send submissions to programs@ryansg.com

Specialized product for:

Accident Medical coverage for students, athletes, participants, volunteers, and business travelers nationwide

The Alive Risk® program can provide access to creative, competitive, and in-house Accident & Health products alongside the General Liability product for Amusement, Sports & Leisure, Entertainment and Special Event Programs.

Product Highlights

  • Base Sports limits up to $90,000 per injury benefit maximum available
    • 100% and 80% Usual and Customary plans
    • Benefit periods of 1 and 2 years
    • Deductible (various available)
  • Accident Death & Dismemberment benefit included
  • Endorsements include coverage for:
    • HMO / PPO denial
    • Pre-existing conditions including re-aggravation and re-injury
    • Heart & circulatory malfunction
    • Expanded medical coverage for sprains, strains, and heat exhaustion
  • Self-Insured Retention (Aggregate Deductible) plans available
  • Catastrophic Medical to provide limits up to $5,000,000
  • Study Abroad (includes Medevac and Repatriation)
  • Mandatory Plans provide coverage for:
    • Athletes only
    • School time
    • School time plus all sports
  • Voluntary Student Accident includes options for:
    • School time
    • 24-Hour
    • Sports only
  • Study Abroad to cover:
    • Travel benefits while away on school sponsored trips
  • Other Highlights:
    • Before and after school
    • Field trips
    • Staff members
  • Plans provide coverage for all volunteers
  • Choice of $25,000 limit plan or $50,000 limit plan; higher limits available
  • Excess or primary coverage options
  • 100% Usual and customary plan
  • Included Accidental Death & Dismemberment Coverage
  • Benefits payable up to one year after injury
  • Products are available nationwide

Target Classes

  • Intercollegiate and collegiate athletics
  • Day care and preschools
  • K-12 Student Accident
  • Non-profit organizations and volunteers

Coverage

  • K-12 Student Accident (Base, Catastrophic Medical, Voluntary)
  • Intercollegiate Sports (ICS) (Base, Catastrophic Medical)
  • Student Accident On-Campus Only or 24-Hour
  • Uninsured Student Athlete Coverage
  • Study Abroad (K-12 and colleges / universities)
  • College Health (graduate and undergraduate)
  • International Student (inbound)
  • Youth and Amateur Sports Participant Accident
  • Volunteer Accident
  • Special Risk Accident
  • Business Travel Accident

Open Enrollment Programs

K-12 Voluntary Student Accident Enrollment

  • Includes School Time, 24-Hour and Sports Only. In the link below, select the school that is covered under the plan and enroll online.

K-12 Voluntary Student Accident Insurance Online Enrollment

Circus Producers Accident Enrollment

  • Circus Producers may enroll into the program by clicking the link below.

Circus Producers Accident Insurance Online Enrollment

Contacts:

Holly Wilson
Underwriter
P: 612-895-2128
M: 267-314-2681
E: holly.wilson@aliverisk.com

Send submissions to programs@ryansg.com

Specialized product for: