General Liability Program
There’s liability risk involved with every event, every vendor, every contractor, and every visitor and employee that steps onto your fairgrounds. Effective ways to reduce your fair’s exposure are: 1) to be a member of the fairs’ General Liability Program managed by CFSA, 2) to require that all facility renters, vendors and contractors provide proof of insurance coverage naming your fair and the state of California as additional insureds, and 3) to adhere to CFSA’s request that all CFSA General Liability pool members submit copies of contract certificates of insurance to CFSA for review to ensure they meet CFSA’s insurance requirements. You’ll find more information about this review service detailed farther down this page.
The fairs’ General Liability Program, administered by CFSA and shared by all participating pool members, provides protection for risks or liabilities arising from personal injury, including bodily injury and property damage, in addition to employment practices liability, public official errors and omissions liability (for District Agricultural Associations and other public agencies), and non-profit organization liability, including directors and officers liability for non-profit corporations. Our Special Events, Revenue Protection, and Property Insurance programs fall under its auspices as well.
Because of recent changes made in our General Liability Program (effective 2018) we’re currently updating the program’s Summary of Protection and its Memorandum of Coverage. In the meantime, please contact Tom Amberson, CFSA’s risk department manager, at 916/263-6180 or email@example.com for coverage information.
CFSA’s Fair Contract Review Service provides double-check assurance that a facility user’s general liability coverage meets all of CFSA and the California Department of Food and Agriculture’s Fairs and Expositions’ (F&E) Branch agreed upon insurance requirements.
Why is this important? Because certificates that meet these insurance requirements protect your fair. And, if your fair is a member of CFSA’s General Liability pool program, it also protects the pool against preventable losses.
When a certificate does not meet CFSA’s insurance requirements, we will work on your behalf to correct the deficiencies. Then, should an incident occur on your fairgrounds during an event, the liability can be shifted to the appropriate insurance carrier.
CFSA also reviews hazardous contracts for all DAA fairs – pool members and nonmembers – through a contract with the California Department of Food and Agriculture. Again, our goal is to ensure that all certificates meet insurance requirements agreed upon by CFSA and the Division of Fairs and Expositions.
In 2018, California Fair Services Authority (CFSA) reviewed 3,455 fair contracts submitted to California’s fairs by vendors, contractors and others wishing to use a fair’s facilities for hazardous or nonhazardous activities and events. And of these, approximately 25% contained errors that CFSA caught and corrected. The most frequent error? Additional insured language not listed.
If you have a question about any aspect of the General Liability Program, please contact Tom Amberson, (916) 263-6180 or firstname.lastname@example.org.