Just as doing business has become more complex in the years since California Fair Services Authority’s (CFSA’s) inception, so have the protection needs of California’s fairs. In an ongoing effort to fill these needs, CFSA now manages six risk-sharing pooled protection programs created with the fairs’ specialized needs in mind. In addition, CFSA provides pool members with an in-house claims team, along with a wide range of related support services.
Want to know more about the pools, such as how individual fair annual fees are determined? Check out the answers to CFSA’s Top 10 Pool Questions.
Insurance Requirements (pdf)
The Red Book
All members of CFSA’s pooled programs receive a copy of CFSA’s Claims and Loss Reporting Guide, better known as the Red Book. This reference guide provides you with detailed information on your fair’s pool memberships, as well as valuable tips, guidelines and handy checklists to help you know what to do in the event of an accident on your fairgrounds.
For your convenience, we’re working on an online version of the Red Book that we hope to have up and running soon. Stay tuned!
CFSA’s Shared Risk Pool Programs
California Fair Services Authority (CFSA) is a not-for-profit joint powers authority (JPA) established in 1986 to manage and administer workers’ compensation, general liability, and special event self-insurance risk-sharing pools, related pool services, and support business programs – all created especially for California’s fairs.
Here’s a quick overview with links to more detailed information:
CFSA’s General Liability Risk Sharing Program provides protection for risks and/or liabilities arising from personal and bodily injury, property damage, and employment practices including public officials errors and omissions and non-profit organization liability.
The maximum amount of this protection, including defense costs, is $10,000,000 per occurrence, per fair. CFSA purchases reinsurance liability insurance coverage that pays claims in excess of the self-insured retention up to $10,000,000.
The only deductible for this program applies to employment practices liability, which is subject to a $10,000 per claim deductible that is the responsibility of the individual member fair.
Want to know more about the coverages the General Liability Program provides, please read the program’s Memorandum of Coverage (MOC) and Protection Schedule.
Questions about your fair’s coverage? Please contact Tom Amberson, CFSA risk department manager, at firstname.lastname@example.org, or 916/263-6180.
The Workers’ Compensation Risk Sharing Program provides protection up to the current self-insured retention (SIR) level for each claim of occupational injury, illness or disease by employees. CFSA also purchases an excess workers’ compensation insurance policy that pays claims in excess of the SIR up to the statutory limit per accident for workers’ compensation benefits and up to $5,000,000 per accident for Employers’ Liability.
For in-depth information about the coverages the Workers’ Compensation Program provides, we invite you to read the program’s Memorandum of Coverage (MOC) PDF. For an overview of the program, check out the Summary of Protection.
CFSA administers a Revenue Protection Program that reimburses participating fairs for certain revenue interruption losses from a separate risk pooling arrangement. The program covers losses of fairtime or covered interim event revenue resulting from accidental loss of/or damage to property; earthquakes; climate conditions such as rain, snow, wind, sleet or excessive heat; unhealthy air quality; or riot or civil commotion.
The program’s fee schedule reflects risk exposure increases stemming from changes in annual fair dates. Date changes add risk because there’s little or no revenue history to compare against when calculating lost revenue.
The current fee structure also takes into consideration the risks associated with the length of an event – lower fees are assessed for fairs with fewer days, and higher fees for events that run through multiple weekends.
For program specifics, make sure you read the program’s Memorandum of Coverage.
Since 1990, CFSA has offered a Special Events Program as a separate risk pooling arrangement to provide liability protection for concessionaires, exhibitors and other fairground facility users on a California fairground. The commercial general liability coverage provides protection for losses up to $1,000,000 per occurrence. CFSA also purchases excess liability insurance that pays claims in excess of the self-insured retention up to $1,000,000.
Is alcohol being served? Optional liquor liability coverage is available at an additional fee.
For in-depth information about what the Special Events Program covers and what it doesn’t, including automobile liability, please read the program’s Memorandum of Coverage (MOC).
A Special Events brochure, available from CFSA provides a good explanation of the program for everyone interested in the purchasing the coverage. For copies of the brochure, please contact Lianne Lewellen, CFSA risk analyst, at email@example.com or 916/263-6145.
CFSA offers an all-risk (including flood, but excluding earthquakes) property insurance program in partnership with a commercial insurance agency. The program applies to real property of covered fairs and includes the required $100,000 minimum level of personal property coverage. (Higher personal property limits are available for an additional fee.) This commercial property insurance is available to all California fairs; there is no risk sharing or pooling. The program’s Summary of Protection will provide you with an overview of its coverages.
The Property Insurance Program also provides commercial Boiler and Machinery insurance coverage for California’s fairs. This coverage protects against the sudden and accidental breakdown of covered equipment up to $100,000,000 per incident. A sublimit of $10,000,000 applies to expediting expenses, spillage, off-premises service interruption, ammonia contamination, water damage or hazardous substance losses. Coverage includes “extra expenses to continue operations” subject to a 24-hour waiting period deductible. A $2,500 deductible applies to other types of losses.
For more information about property insurance for your fair, please contact Tom Amberson, CFSA risk department manager, firstname.lastname@example.org or 916/263-6180.
Additional Coverage Programs
- higher general liability coverage limits.
- automobile physical damage.
- crime insurance, including employee dishonesty.
- 501(c)(3) non-profit corporation coverages.