Thread: Sources of Liability Insurance

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I am considering opening our house to visitors this Halloween. Actually, we did last year and had approximately 150-200 come through each night of the 30th & 31st. My son put it on facebook and boom. This year we actually were going to charge an admission and donate the money to a mission group at our church and to the Key Club at my son's school who are raising $$$ this Halloween for Unicef.

Our homeowners will not cover an accident if we are charging admission. I checked into liability insurance from a local independent agent and we were looking at over $600 for 4 nights. I looked at some place online and it was more like $200, but I don't want to deal with the 1st place on Google necessarily. Any recommendations of companies to contact? I am in North Carolina, but don't have to deal with a NC company.

Try Ken Donat at Westland Insurance. He specializes in haunts.

608-768-0401
888-292-7389

Not to hijack the thread or anything, but do most people on here who do garage haunts and don't charge admission have liability insurance for it? Is this something I've completely overlooked?

I carry liability insurance, but I have a home business so I might be unusual.

Originally Posted by Zombiesmash

Not to hijack the thread or anything, but do most people on here who do garage haunts and don't charge admission have liability insurance for it? Is this something I've completely overlooked?

If you don't charge admission then you probably don't need insurance, but you should find out from your insurance company. It's always when you start charging for it that things get complicated.

If you have an elaborate megastructure set up you may want to get extra insurance anyway.

We do a garage haunt for the first time last year and went over our insurance with our agent. We have liability and a balloon policy because we own an inground pool. We are probably over-insured, but it is comforting to know that we will be fine if someone tried to sue us.

whether you charge admission or not, liability insurance is a good idea if you can afford it. this protects you somewhat if you get sued because somebody tripped on something and your homeowners coverage should have at least some liability coverage in there that covers private parties and basic stuff like people coming to the door [mailman, delivery man, ToTs]. If you set up a structure, seriously look into insurance since more can go wrong and even if you aren't at fault, you can still get sued. Talk to you insurance agant to see what is already covered in your current policy and to find out how much it would cost to get additional coverage. sometimes you can get a good deal if you carry car and homeowners policies witht he same company already. My car, home owners, and 3 types of business insurance all runs throught he same company and it saves me a couple hundred $ a year