Renting a Mechanical Bull for the Backyard or a Birthday? Mechanical Bull Insurance Tips You Should Know

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When renting a mechanical bull there are a few things you should understand regarding insurance.  This is definitely a case where knowledge is power.  If you rent a mechanical bull that does not  follow basic safety standards and carries no insurance, then the responsibility and liability may fall to you if someone is injured.  We have heard too many stories of court battles for medical bills.  Fortunately, this can be avoided by making sure that the mechanical bull you rent is both safe and insured.

 

INSURANCE

Mechanical bulls need to carry a minimum of $1M per occurrence and $2M aggregate general commercial liability insurance.  Some states require more coverage depending on the type of event and location.  For instance, an event on California state-owned property mandates $2M per occurrence and $2M aggregate and New Mexico state-owned property requires $3M per occurrence.  Do your homework on your particular state or contact the Mechanical Bull Association should you have any questions.

 

Before renting a mechanical bull ask for a copy of the certificate of insurance showing the limits.  This is also known as COI (Certificate of Insurance).  The right-hand column will list the per occurrence and aggregate insurance limits.  Again, if you have questions, then please feel free to call us at the Mechanical Bull Association.

 

ADDITIONALLY INSURED CERTIFICATES

When corporations rent a mechanical bull, they often ask to be listed on the mechanical bull’s insurance policy, the COI, as additionally insured.  They are requesting what is called an Additionally Insured Certificate.  This means that if there is an incident, then the corporation is also covered by the mechanical bull company’s insurance.  The only exception is if the incident is due to the gross negligence of the corporation.

 

Why do we explain all of this?  Well, if corporations feel like they need to be protected, then you may want to consider an additionally insured certificate too.  You can request this at any time and any company renting a mechanical bull should be able to accommodate you.  You would just need to ask to be listed as additionally insured on the insurance certificate.  The insurance company will add your name and will then send you a copy for your files.  You will see your name and address listed in the bottom left-hand corner of the document.

 

Most additionally insured certificates do not incur an extra charge with the exception of a few states.

 

Just the very idea of dealing with insurance can sound boring and/or overwhelming, but when renting a mechanical bull it pays to look into the insurance information we touched on above.  It is definitely better to be safe rather than sorry.  Please do not hesitate to contact the Mechanical Bull Association should you have questions.

 

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