Q: Do I need both general liability and bodily harm insurance for a kids' event?
I am starting a children's event business where children will be invited to participate in events at their local park for 3-4 hours on a weekend day (approximatly once a month). It's like a day camp, but just for one Saturday a month. Potential activities might include: arts&crafts, games, science experiments, relay races, basic obstacle courses, etc. Seattle Parks requires that I get general liability insurance with them listed as an additional insured. However, when I was getting a quote from an insurance agent they offered me two options: 1. General Liability Insurance 2. General Liability Insurance with bodily harm. Which type of insurance is better for this type of event? Are there other insurances that I should be looking into? Please let me know if you have any tips on this.
A:
Both types of insurance are important. The scope of coverage would depend on how the policies are written. There are general liability policies that cover bodily injury as a given. In the policies you are exploring, bodily injury coverage appears to be an add-on. These terms are sometimes used loosely, so the best way to be certain about the scope of coverage is to read the policy carefully and ask the insurance agent questions. Attorneys can answer general questions about the operation of insurance, but when it comes to purchasing a policy, the company agent is likely to know more about the actual details of the policy's coverage than anyone else. Good luck
Tim Akpinar
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