Entertainment insurance packages are uniquely designed to fulfill the special insurance needs for the wide variety of risks in the Animal Track industry including horse and dog race tracks. We offer package policies including General Liability, Property, Crime, Inland Marine, Automobile, and separate Directors and Officers Liability and Umbrella Liability.

Key Benefits General Liability

• Comprehensive General Liability - limits to $1M each occurrence/$3M aggregate

• Coverage on a primary or contingent basis depending on facility responsibilities

• Coverage for emergency medical personnel

• Participant Legal Liability coverage available

• Horse/Dog Legal Liability coverage available

• Ancillary gaming activities for horse and dog tracks acceptable

• Abuse and Molestation coverage for qualified risks

Property • Special Causes of Loss coverage

• Ultimate Coverage - broad proprietary property coverage form including Flood and

• Earthquake where available

• Agreed Amount endorsement available with property appraisal


• Owned/non-owned/hired auto

• Web-based Auto ID card issuance

Crime and Fidelity

• Employee Theft (Blanket Fidelity)

• Forgery or Alteration

• Theft, Disappearance, and Destruction


Umbrella/Excess Liability

• Large Excess Limits available


Directors & Officers Liability

• Defense costs in addition to the Limit of Liability

• Most favorable venue wording for punitive, multiple, or exemplary damages

Bell Endorsement - Includes $50,000 limits each for Business Travel Accident Benefit, Donation Assurance, Emergency Real Estate Consulting Fee, Identity Theft Expense, Image Restoration and Counseling, Key Individual Replacement Expenses, Kidnap Expense, Terrorism Travel Reimbursement, and Workplace Violence Counseling. $25,000 limits for each Conference Cancellation, Fundraising Event Blackout, Political Unrest ($5,000 per employee), Temporary Meeting Space Reimbursement, and $1,500 Travel Delay Reimbursement.

Crisis Management Enhancement Endorsement $25,000 limit for crisis management emergency response expenses incurred because of an incident giving rise to a “crisis”

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