Your AACT Insurance package has always excluded general liability coverage for certain types of Special Events such as arts & crafts shows, workshops, haunted houses, etc.  Until 1996, however, your group could always add on special coverage to your existing policy by simply purchasing the extra liability coverage at a very reasonable price.

In 1996, this add on option was lost.  In order to secure special events coverage we had to go to a special events insurance company.  This resulted in a dramatic increase in the cost.  For example, special liability insurance for a haunted house operation under the old add on procedure used to cost $250.  The same coverage from a special events carrier now costs at least $700.

The good news is that we have successfully negotiated an agreement with our current insurance carrier that re-establishes the old add on option at reasonable prices.

Here is how this option works.

Your current AACT insurance package does not cover the following types of Special Events: Haunted Houses, Arts & Crafts Shows, Workshop/Classes if offered to non-members, Concerts, Flea markets and Auctions.  However, under the terms of our recently negotiated agreement, you will again be able to add on  temporary liability coverage to your existing policy as follows:

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[Note: This article was written in 1998.  As time goes on, the prices are subject
to change. The most recent price changes were noted March, 2000]
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HAUNTED HOUSES:  $150 or $250 depending on the overall size/length of your operation.  Requires adult supervision during open hours.  3rd part liability insurance only.  Does not include property coverage other then what your current policy may already provide.

• ARTS/CRAFTS,  ART EXHIBITS,  FLEA MARKETS:  a one-day event will cost $100.  A 2-3 day event will cost $200.  3rd party liability will cover patrons who attend but will not cover the artists/craftsmen.  Does not include property coverage other then what your current policy may already provide.

• CONCERTS:  Sorry, these events remain excluded and no special event coverage is available through your existing policy.  You can still purchase coverage from a special events insurance company for an undetermined cost.

• AUCTIONS:  One-day event only for $100.  3rd party liability insurance only.  Does not include property coverage other then what your current policy may already provide.

• WORKSHOPS/CLASSES:  If available to current members only, this coverage is already included through your policy.  If open to "outsiders", we can add the liability coverage but the specific circumstances of the workshops or classes will determine the cost.  The cost is based on such factors as length of time, number of participants, age of participants and nature of the workshop/class.


A lot of AACT members used to take advantage of this add on feature.  When we lost this option, many members made it very clear that getting it back was a definite priority.

We are very pleased to tell you -  IT'S BACK!!

Every theatre group is different and no two special events are exactly the same.  However, in negotiating this agreement with our current carrier, we tried to anticipate the various contingencies that might arise.  We are confident that the terms outlined above will apply to almost all special events for AACT members participating in the member insurance program.

If you are planning a special event, let me know so that I can assist you in securing adequate insurance coverage.

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