Understanding Insurance for Outdoor Movie Events
For guests, outdoor movie events are a simple, relaxing way to spend an evening. For outdoor movie event planners, on the other hand, there is a lot of work to be done behind the scenes in order to host a successful event. In the best case, your event will be a huge success with no problems, but there is always a chance that something could go wrong. Proper insurance for your outdoor event is the best way to protect yourself and all of your hard work against issues like poor weather, accidents or injuries. Here is an overview of the different types of insurance you should consider having for your event.
General Liability Insurance
Your outdoor cinema provider should hold adequate general liability insurance. General liability insurance from the equipment provider covers any damage the company might do while setting up and producing the outdoor movie event, such as hitting a stake into a water sprinkler line. The industry standard for outdoor cinema companies is $1,000,000 of general liability insurance.
Weather is impossible to predict, particularly when it comes to weather for a movie event that you must plan and market for ahead of time. Weather insurance insures against weather variations. After spending so much time planning your event, rain on the big day is a huge disappointment. More than being a disappointment, it can also be costly. Depending on your contracts, you may still be responsible for fees for the venue, equipment provider and entertainment. Weather insurance protects you from losing money if you must cancel your event due to unexpected weather conditions.
Event insurance is short term liability insurance that covers you against claims related to damage to the venue, or injury to spectators or innocent bystanders. This type of insurance is perhaps the most important from a financial stand point. An insurance agent can go over your options and help you decide how much coverage you need for your outdoor movie event.
The purpose of insurance is to lower your risk of loss. So much goes on behind the scenes of a successful outdoor movie event: choosing and securing a venue, planning for food and entertainment, marketing, and more. It takes a considerable amount of time, and money, to plan and host an outdoor movie, so it makes sense to protect yourself as best as possible with insurance. Don't let all of your hard work go to waste; be sure to secure appropriate insurance to protect yourself against unexpected circumstances.
Paul B. Murray is the founder and owner of Southern Outdoor Cinema, LLC, the LARGEST producer of outdoor movie events in the United States for professional sports teams, movie studios, film festivals, marketing agencies, Fortune 500 Companies and cities. Using cutting edge outdoor cinema equipment paired with a proprietary movie event planning system, Southern Outdoor Cinema helps clients create highly successful and highly entertaining outdoor movie events.