INSURANCE REQUIREMENTS

Complete information can be found in the Rental License Rules and Conditions #16. In summary, the Huntington Place customer, referenced in the Rental License as the “Licensee,” shall assume all risk of operation and shall indemnify, defend and hold harmless Huntington Place for any loss or damage to any person or property caused by any act of the Licensee.

Insurance Requirements for Licensee – General Liability Coverage

The Licensee is required to obtain and maintain General Liability insurance coverage to protect Huntington Place from potential claims arising from the Licensee’s use of the premises. This includes coverage for property damage to Huntington Place, as well as personal injuries (including death) sustained by any individuals during the event. The coverage amounts vary depending on the type and scale of the event, as detailed below:

General Liability Coverage–Bodily Injury and Property Damage (Combined Single Limit):

▪  $1 Million per Occurrence – Small Events:

This level of coverage is required for smaller, low-risk events such as meetings, workshops, and conferences heldin standard conference rooms or similar spaces. These events involve minimal risk and do not include the use of vehicles or specialized equipment.

▪  $2 Million per Occurrence– Moderate Attendance, Low-Risk Events:

Appropriate for events expecting fewer than 3,000 attendees that remain low-risk in nature. These may includelarger meetings, lectures, or community gatherings that do not involve physical activities, use of vehicles, or specialized equipment. This level of coverage offers added protection due to the increased number of participants, while still reflecting a relatively low overall risk profile.

▪  $3 Million per Occurrence – Medium-Sized or Non-Vehicle Events:

Applicable to general conferences or events that are larger in scale but do not involve vehicles, athletic activities, or heavy machinery. This coverage ensures adequate protection for events with larger audiences or more complex logistics, excluding high-risk elements.

▪  $5 Million – Large or High-Risk Events:

Required for large-scale events or those involving higher risk, including but not limited to:

  • Use of vehicles (on or around the premises)

  • Participation by athletes (e.g., sporting events)

  • Operation of heavy machinery or equipment

These events present increased exposure to liability, necessitating a higher level of insurance protection.

Events using Exhibit Hall(s)

Worker’s Compensation insurance as required by the laws of the State of Michigan

If your company is from outside of Michigan, all states have very similar Worker’s Compensation laws and soyour coverage likely complies with that required by Michigan law.

(If your organization is not subject to Worker’s Compensation laws, we have a form to complete attesting to that.)

Licensee shall provide Worker’s Compensation and General Liability insurance coverage to insure HuntingtonPlace against claims for damage to Huntington Place’s property, and for personal injuries, including death, which may arise from the use of the premises by Licensee, as follows:

On all Certificates of Insurance

The Detroit Regional Convention Facility Authority and Legends Global Inc. must be named as additional insureds on the policy and insurance certificate.

A copy of all insurance policies or certificates of insurance must be furnished to Huntington Place with the premiums paid no later than ten days before the start of any operations by your organization. All policies shallcontain an endorsement providing for furnishing Huntington Place ten days written notice of termination of insurance for any cause.

Huntington Place reserves the right to require the Permittee provide additional insurance if deemed advisable due to special circumstances.

Insurance Coverage through Huntington Place

Licensee may purchase insurance coverage through Huntington Place if unable to secure coverage independently. Available options and rates are as follows:

  • $1,000,000 Liability Limit Rate:$1.05 per attendee Minimum Premium: $250

  • $2,000,000 Liability Limit

Rate: $1.39 per attendee

Minimum Premium: $500

  • $3,000,000 Liability Limit Rate:$1.65 per attendee Minimum Premium: $750

Note: Coverage for a $5,000,000 liability limit is not available through Huntington Place.

For more information, please contact your Event Sales Manager.