1. Why is insurance needed?
Insurance is required for both the protection of the individual or organization renting the shelter as well as for the protection of the Park District in the event of third party claims for bodily injury, associated medical costs and damage to the property. The insurance required by the Park District is for coverage up to $1,000,000 per occurrence, and it must name the Fox Valley Park District as additionally insured.
2. When is insurance required?
Required
• Sport and Athletic Events (Examples: Games, tournaments, walk/jog-a-thons)
• Large Special Events, Festivals, Celebrations (Examples: “Taste of” events, July 4th/holiday parties, Chamber of Commerce events)
• Liquor Served (Cool Acres only)
• Food Prepared/Served by Vendors/Caterers (Examples: Group dinners, food booths, vending trucks, grills/equipment use *Additionally a permit issued by the County Health Department may be required)
• Group with Insurance
If the group has insurance, it is to protect the group against claims related to its activities. By requesting a certificate naming the Fox Valley Park District as additional insured, the Park District will have additional protection.
Not Required
• Small Refreshment Stands (Examples: Canned pop/bottled water/juice sales, pre-packaged popcorn and bag/box candy)
• Picnics (people bring and consume their own food)
• Service Group General Meetings (no liquor served)
• Low-risk Activities (Examples: Card clubs, reading groups)
• Parties (no liquor served) (Examples: Birthdays/anniversaries, baby/wedding showers)
3. Why does the vendor have to be registered with the Fox Valley Park District?
By registering with the Park District, the vendor files their certificate of insurance only once a year with the District. The vendors are then added to the Registered Vendor List for park shelter rentals which is distributed to those inquiring about additional services. Caterers are required to provide a copy of their County Health Department Permit.
4. Is a registered vendor required if food is being prepared by the party host, being brought from home or having a potluck?
A registered vendor is not required if people bring and consume their own food (i.e. private picnic or family gathering).
5. When is General Liability (Host) Liquor Insurance required?
General Liability Insurance includes Host Liquor coverage. This insurance is required when alcohol is being provided and there is no price of admission or charge for the alcohol to the attendees of the event.
6. When are both General Liability (Host) Liquor and Illinois Statutory Liquor Liability Insurance required?
Illinois Statutory Liquor Liability coverage must be added when alcoholic beverages are being sold, are included in the price of admission or donations are accepted.
7. Why does the vendor have to be registered with the Fox Valley Park District?
By registering with the Park District, the vendor files their certificate of insurance only once a year with the District. The vendors are then added to the Registered Vendor List for park shelter rentals which is distributed to those inquiring about additional services. Caterers are required to provide a copy of their County Health Department Permit.