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A. Liability Coverage Required. The applicant/sponsor of an event must possess or obtain general liability insurance to protect against loss from liability imposed by law for damages on account of bodily injury and property damage arising from the event. A certificate of insurance shall be filed thirty days prior to the event with the mayor or mayor’s designee. Insurance coverage must be maintained for the duration of the event. Coverage shall be a commercial general liability policy. Minimum limits required are one million dollars each occurrence combined single limit bodily injury and property damage; two million dollars aggregate. Higher limits of coverage may be required by the city based on the size and risks of the event. If food or nonalcoholic beverages are sold or served at the event, the policy must also include an endorsement for product liability. If alcoholic beverages are sold or served at the event, the policy must also include an endorsement for host liquor liability. If the event involves athletic or other types of active participants, the policy must include participant coverage. The risk manager may require additional endorsements depending upon the proposed activity.

B. Waiver or Reduction of Required Limits. The mayor or mayor’s designee may waive or reduce the insurance requirements of this chapter under the following conditions:

1. The applicant or an officer of the sponsoring organization signs a verified statement that they believe the event’s purpose is First Amendment expression, and that the cost of obtaining insurance is so financially burdensome that it would constitute an unreasonable burden on the right of First Amendment expression. The statement shall include the name and address of two insurance agents or other source of insurance coverage contacted to determine insurance premium rates for insurance coverage.

2. The applicant or an officer of the sponsoring organization signs a verified statement that insurance coverage in the limits required is impossible to obtain. The statement shall include the name and address of two insurance agents or other source of insurance coverage contacted.

3. The mayor or mayor’s designee determines that the insurance limits are in excess of the reasonable risk presented by the proposed special event. (Ord. 007/2023 § 1 (Exh. A); Ord. 1198, 2000. Formerly 5.28.100)