Facility Use by Outside Groups
Q: What is a Certificate of Liability Insurance?
A: The Certificate of Liability Insurance is essentially a receipt or proof that Liability Insurance coverage has been procured. This proof of coverage will be required by your contact at the City of Norwalk or Norwalk Board of Education as part of your rental application.
Q: I have to add the City of Norwalk and Norwalk Board of Education as an Additional Insured. What does this mean?
A: Additional Insured status confers insurance to entities in addition to the Named Insured. So, for your event, you have Special Event Liability Insurance for your group plus the City and Board of Education would like to be included on this policy due to the close relationship as a user of the City or Board of Education facility.
Q: Where can I find an insurance provider?
A: If you are not sure if you have Liability Insurance coverage for your special event, please contact your insurance agent or your homeowner’s insurance carrier.
If you feel that you would like to purchase a Special Event Liability Insurance policy, the City has a program (see above).
Other Special Event Liability Insurance carriers can be located online using a web based search engine.
Q: Is there a charge to obtain some Special Event Liability Insurance coverage?
A: If you purchase a separate Special Event Liability Insurance policy, then yes, there is a cost. If you have coverage in force already under your Homeowner’s Insurance coverage or through some other policy like a Corporate or Business Insurance policy, then you should ask your carrier if there is a charge for coverage for a Special Event.
Q: I am serving alcohol at my event. Do I need anything special for this under my policy?
A: You should request a coverage known as Host Liquor Liability coverage. This would be in addition to the General Liability coverage you need to have.