Just as doing business has become more complex in the years since
California Fair Services Authority's (CFSA's) inception, so have
the fairs' protection needs. In an ongoing effort to fill these
needs, CFSA now provides the fairs with more than 10 protection
programs, along with a variety of related services.
Find out more about:
Boiler and Machinery
The Red Book
The Red Book Tour
Master Insurance List
The Red Book
As a member of any of CFSA's pooled programs, your fair will have a copy of CFSA's "Claims and Loss Reporting Guide," better known as the "Red
Book." Inside the red binder you'll find information on your fair's pool
memberships, as well as tips, guidelines and handy checklists to help you know
what to do in the event of an accident on your fairgrounds.
The Red Book Tour
With over 200 pages, the Red Book can be daunting. So, in early
2004, CFSA produced a multimedia Red Book Tour, available on VHS video, CD and DVD, that takes you through
the different chapters and subsections of the Red Book. The
Tour was shown at several fair industry conventions and conferences,
and each of CFSA's member fairs was also given a copy for
For your convenience, we've included a copy
of the Tour here. To begin the video, simply click your mouse twice
anywhere within the video's viewing screen, or use the controls
at the bottom of the video's screen. To stop or pause the video
once it's begun playing, simply click once within the
screen. Double click to restart the video.
Important: To view
the Tour online, you must have QuickTime Player on
your computer. If you don't already have it, you can download
it for free at http://www.apple.com/quicktime
having technical difficulties when attempting to play the Tour,
please contact Melissa Thurber at 916/263-6163, or at firstname.lastname@example.org.
Red Book Tour
(To start the video: Click twice within the video screen.
To pause the video: Click once within the screen.
Risk Pool Programs
For more information about
any of CFSA's pool programs, please contact Charlie Mitchell
at email@example.com, or give him a call at 916/263-6150.
The General Liability
Risk Sharing Program provides protection for risks or liabilities
arising from personal
and bodily injury, property damage, and employment practices, in
addition to public officials errors and omissions and non-profit
For each fair, the maximum amount of this protection, including
defense costs, is $10,000,000 per occurrence.
The protection for employment
practices liability is subject to a $10,000
per claim deductible, which is the responsibility of the individual
member fair. CFSA purchases excess liability insurance coverage that pays claims in excess of the self-insured retention up to $10,000,000.
Beginning in 2011, optional Vehicle Liability is also available to General Liability pool members.
For in-depth information about the coverages the General Liability Program provides, please read the program's Memorandum of Coverage (MOC) including a Protection Schedule. To access the MOC you'll need Adobe Reader on your computer. If you don't already have Reader, you can download it for free from the Adobe Web site, http://get.adobe.com/reader/.
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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, read the program's Memorandum of Coverage (MOC) PDF. To access the MOC, you'll need Adobe Reader. If you don't already have Reader on your computer, download it for free from the Adobe Web site, http://get.adobe.com/reader/.
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; earthquake; climate conditions
such as rain, snow, wind, sleet or excessive heat; unhealthy air
quality; or riot or civil commotion.
In 2010, the program's fee schedule was changed to reflect risk exposure increases stemming from changes in annual fair dates. At this time, 14 fairs had either changed or were considering plans to change the dates of their annual fair. (Date changes add risk because there's little or no revenue history to compare against when calculating lost revenue.)
The new 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. The new fee schedule was mailed to all fairs in November 2010.
For program specifics, make sure you read the program's Memorandum of Coverage. To access it you'll need Adobe Reader. If you don't already have Reader on your computer, download it for free from the Adobe Web site, http://get.adobe.com/reader/.
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Since 1990, CFSA has offered the Special
Events Program as a separate
risk pooling arrangement to provide liability protection for
lessees, concessionaires, exhibitors and other fairground facility
users at California fairgrounds only. The commercial general liability coverage provides protection
for losses up to $1,000,000 per occurrence. Special Events
coverage is only applicable for the period that the lessee
or concessionaire is at the fair and is in excess of other
insurance. This coverage doesn't include automobile liability;
optional liquor liability coverage is available. CFSA purchases
excess liability insurance that pays claims in excess of the self-insured
retention up to $1,000,000.
For in-depth information about the Special Events Program's coverages, please read the program's Memorandum of Coverage (MOC) PDF. To access it you'll need Adobe Reader. If you don't already have Reader on your computer, download it for free from the Adobe Web site, http://get.adobe.com/reader/.
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Since 2002, CFSA has administered the Pooled Property
Protection Program providing all-risk (including flood, but excluding earthquake) property
protection for California fairs. Initially partially funded by the California Department of Food and Agriculture's Division of Fairs & Expositions, in fiscal year 2011-2012, the program is supported by a combination of pool reserves and participating fair premiums (based on each fair's individual property values).
To minimize the pool's risk exposure, the minimum deductible for all fairs increased from $25,000 to $50,000. Another change implemented in mid-2011 moved the billing cycle from January to July.
Program options include:
- Personal Property/Contents coverage for items such as furniture and computers, and comes with a $50,000 deductible. All fairs are encouraged to carry at least $100,000 of contents coverage, with higher limits available.
- Contractors and Mobile Equipment coverage for all fair owned and leased tractors, fork lifts, mowers, unlicensed trucks and other construction equipment. The cost for this coverage is the same as for the Personal Property/Contents coverage, with a $100,000 minimum and a $50,000 deductible.
- Business Interruptions/Rents covers loss of rental income if a covered building can't be rented due to physical damage. The Rents portion of the coverage covers any loan payments on damaged property that can't be rented out. This option also costs the same as the Personal Property/Contents coverage and has a $50,000 deductible.
Read more about the program's coverages in the program's Memorandum of Coverage (MOC) and Protection Schedule PDF. To access either one, you'll need Adobe Reader. If you don't already have Reader on your computer, download it for free from the Adobe Web site, http://get.adobe.com/reader/.
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As part of the Pooled Property Protection
CFSA also purchases 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 expense
to continue operations" subject
to a 24-hour waiting period deductible. A $2,500 deductible applies
to other types of losses.
Additional Coverage Programs
For its members,
CFSA can also, at a fair's expense, purchase other supplementary
insurance coverages to meet each fair's individual needs. These
options include: personal
higher general liability coverage limits.
automobile physical damage.
crime insurance, including employee dishonesty.
501(c)(3) non-profit corporation coverages.
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