Dabble HQ on 07 Mar, 2017 05:00 PM
Dabble carries a $1M per occurrence, $2M aggregate limit general liability policy for all of our event participants. The policy is intended to protect Dabble from any claims resulting from events brought on by Dabble instructors. When we or an instructor enters into a contract to lease a space for our class that requires risk transfers, our liability policy will afford that by adding the rented/leased space as an additional insured. However, this risk transfer is only protecting your location as a result of our operations on premises per the lease contract.
For example, should during the event someone tripped/slipped on a hazard solely related to your property having nothing to do with the Dabble event, then your insurance policy would stand alone. However, should an attendee slip on a hazard spilled during or as a result of a Dabble event then our insurance would defend the named rented/leased space in addition to Dabble as it relates only to the claim and Dabble’s alleged negligence.
Hope this answers you questions. Thankfully, in 5 years, we've never had to use but we are prepared!