Fireworks Insurance Requirement Policy

Purpose

This policy has been established in order to clarify the Miami Valley Risk Management Association's intent to provide SECONDARY fireworks insurance coverage to its member municipalities. This policy was developed in recognition of the fact that member municipalities have varying degrees of exposure in this area of ultra-hazardous risk. Therefore it is both equitable and imperative that the individual member municipalities secure their own primary Fireworks or Special Events coverage.

Policy Statement

Effective May 1, 1991, it shall be the policy of the Miami Valley Risk Management Association to require each member municipality which involves itself in sponsoring a fireworks or pyrotechnic display to secure, either directly (through a policy purchase) or indirectly (through a fireworks display contractor), primary fireworks liability coverage.  Prior to each display the member shall provide the Association with evidence of insurance for at least one million dollars in primary coverage for the fireworks display.  Members are encouraged to submit evidence of coverage to MVRMA for review at least 10 days prior to the display.  In the event the municipality chooses to secure the necessary coverage through the fireworks display contractor, the municipality, including its employees, agents and volunteers shall be named specifically as "additional insureds" on the policy.  The certificate of insurance provided by the contractor should read as follows:  “The following are Additional Insureds:  The City of _____, Ohio, its elected and appointed officials, all employees, agents, volunteers, all boards, commissions and/or authorities and board members, including employees, agents and volunteers thereof.  Coverage shall be primary to the Additional Insureds and not contributing with any other insurance or similar protection available to the Additional Insureds whether other available coverage be primary, contributing or excess.” 

MVRMA's Fireworks coverage, if any, shall be on a secondary basis only.

If a member municipality fails to secure primary fireworks liability coverage, as stated above, said member municipality shall self-insure the first one million dollars of any such loss incurred.