Rodeo Insurance

Rodeos, by nature, offer thrills to the audience by making a show out of various risks, such as raging bulls. But there are other risks involved with the trade that could cost you big time. Fortunately, having rodeo insurance can protect you from the cost of various dangers associated with this unique line of work.

A local independent insurance agent can help you find the right rodeo insurance for your specific needs. They'll get you matched to a policy that has the ideal amount of coverage for your rodeo and other events. But first, here's a closer look at rodeo insurance, what it covers, and why it's necessary.

What Is Rodeo Insurance?

Rodeo insurance is a specialized form of event liability insurance that falls under the broad umbrella of business insurance. This coverage is available for a short-term duration and can help reimburse business owners and event hosts for the cost of various disasters like lawsuits and property damage at rodeos, ropings, bull riding competitions, equine shows, horse expositions, barrel racings, livestock shows, and other similar events. 

It's helpful to look for a rodeo insurance agency with experience in insuring these unique types of events so you can be certain all associated risks will be covered.

Who Needs Rodeo Insurance?

Rodeos involve many types of professionals when getting staged, including organizers, spectators, rodeo clowns, sponsors, and more. As such, rodeo insurance can benefit many types of individuals, including:

Coverage must consider various elements involved in rodeos, including contestants, workers, animals, spectators, buildings, and other property. Rodeo insurance can reimburse for incidents of injuries, property damage, and lawsuits, as well as event cancellations and postponements due to inclement weather and other covered perils.

What Does Rodeo Insurance Cover?

Rodeo insurance includes a diverse range of coverage, including several forms of liability insurance. Here are some of the basic coverages you may want to consider if you participate in rodeo events:

• Comprehensive liability insurance: This insurance covers the rodeo grounds during the event. This includes liability protection for sponsors, landowners, sanctioning organizations, committees, and stock contractors.
• Participant liability insurance: This coverage protects event organizers, such as committees, directors, officers, sponsors, landowners, and stock contractors for bodily injury liability claims from contestants.
• Property damage insurance: This coverage can protect you from the high cost of replacing or repairing your rodeo property, such as arena panels and speaker systems.
• Event cancellation insurance: This insurance protects the organizers of an event from financial losses if the event is canceled or postponed due to weather, natural disasters, war, or terrorism. It also covers non-refundable deposits, ticket sales, advertising revenues, and sponsorship dollars.
• Animal mortality/bucking stock liability insurance: This can cover the death of an animal during a rodeo, whether from an accident, injury, sickness, or disease. It may also cover theft.
• Inland marine insurance: This covers tools and equipment during transport to and from the rodeo or event against theft, loss, damage, or destruction by listed perils.
• Commercial vehicle insurance: This protects your cars, trucks, or trailers that you use for business purposes against losses caused by accidents, lawsuits, theft, vandalism, and more.
• Non-appearance or no-show insurance: This is a special type of event cancellation insurance that covers incidents of canceling or postponing a rodeo or other related event due to the talent's or organizer's illness, injury, death, or delay in travel.
• Commercial umbrella insurance: Also known as excess liability insurance, this coverage can extend your existing liability coverage limits to $1 million or greater to protect against expensive lawsuits.

An independent insurance agent can help you assemble a complete rodeo insurance package that includes every type of coverage you need for a successful event.

What Is Spectator Liability Insurance?

The spectators at a rodeo must be protected against many types of harm. Otherwise, your rodeo business could face potentially devastating lawsuits. The following types of coverage can be found in spectator liability insurance:

• Product liability insurance: Covers costs related to concessions or any items sold by the rodeo that cause injury, illness, or other harm to a consumer.
• Independent contractors coverage: Protects against the cost of liability claims by independent contractors involved in the rodeo.
• Medical payments coverage: Covers the medical payments of anyone hurt on the rodeo or event premises.
• Personal injury and advertising injury insurance: This covers costs related to a third party's reputation being damaged by libel, slander, or false arrest related to your rodeo advertisements.
• Contractual liability insurance: This covers the cost of contract disputes, such as with the owner of the rodeo grounds or a vendor.
• Set-up and removal liability coverage: Protects you from liability during the set-up and removal phase of your rodeo or event.
• Liquor liability insurance: Covers instances of accidents leading to property damage and injury to others caused by intoxicated attendees who consumed liquor at your event.

Work with your independent insurance agent to secure any type of spectator liability insurance you may need for your rodeo or other event.

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What Is Rodeo Clown Insurance?

Rodeo clowns face a high rate of injury as they entertain the crowd and fulfill a vital role in keeping bulls and other stock from injuring participants. For this reason, rodeo clowns need special insurance to protect themselves. 

Rodeo can be a dangerous sport, and all the participants, volunteers, and paid workers should consider the following types of coverage:

• Accidental death and dismemberment insurance (AD&D): This insurance covers you in the event of an accidental death or dismemberment, including incidents of losing a limb or the loss of vision, hearing, or speech during a covered accident. It can be purchased as a stand-alone or added to a life insurance policy.
• Life insurance: This pays out a death benefit to a chosen beneficiary if the policyholder dies. Beneficiaries are often spouses or dependents. 
• Health insurance: This can reimburse you for the cost of covered illness, disease, and injury. It pays a portion of your medical expenses, hospital costs, and prescription medications. Professional bull riders and other rodeo talent should consider getting health insurance.

Your independent insurance agent can help you get set up with all the coverage you need to protect professional bull riders, other talent, event organizers, and workers involved with your rodeo and other events.

An Independent Insurance Agent Can Help You Find Rodeo Insurance

When it's time to get coverage for your rodeo or horse show, no one's better equipped to help than a local independent insurance agent. These agents are free to shop and compare policies from multiple carriers, and they know which ones specialize in underwriting quality rodeo insurance packages. They'll get you matched to a rodeo insurance policy that provides the best blend of coverage and cost.