Liability Insurance for Firework Stands
A firework display is a very popular addition to a public event or celebration. Those owning a firework stand for such events will know that it can be a lucrative as well as an exciting business. Liability insurance for firework stands is necessary to protect them during the course of their work.
However, nearly all events where fireworks are held have large numbers of people gathering. The amount of space allocated to crowds varies from extensive, open spaces to crowded areas filled with buildings, trees, and more. Executing a firework display safely requires specialist knowledge and expertise. You must know exactly how to work with the type of venue and its environment to keep buildings and the public safe.
Even the safest, most diligent individual can sometimes find themselves facing a lawsuit due to an accident that happened during the display. Whether you’re liable or not, these lawsuits can cost big, so that’s why it’s vital to have firework stand insurance.
Fireworks Can Be Dangerous
Everyone knows that fireworks can be dangerous, especially in the wrong hands. Even simple sparklers can burn at temperatures up to 2000 degrees. Imagine the damage a larger firework can do if used incorrectly.
Around the time of the 4th July celebrations, an incredible 180 people head to the emergency room every single day with firework-related injuries. 2017 saw eight deaths and 12,900 injuries in total. An estimated 57% of injuries were burns, with the hands, arms, and legs being the most affected areas.
With such a large potential for injury, it’s no wonder that liability insurance for firework stands is so important.
Safety First
Keeping yourself and others safe during the display is paramount to avoiding liability for an incident. Safety tips to follow include:
- Never let anyone unqualified handle fireworks
- Store all fireworks in a secure, locked area
- Complete a full risk assessment of the display area
- Never operate fireworks under the influence of drugs or alcohol
- Call off the event if something seems unsafe
- Insist all people involved wear protective clothing and eyewear
- Don’t attempt to relight a malfunctioning firework
- Keep water or an extinguisher close by so you can quickly deal with any problems
- Ensure your liability insurance for firework stands is valid and sufficient
Liability Insurance for Firework Stands
Not all insurance coverages are created equal. This is especially so for activities considered high-risk. If you look closely at your business insurance, you will likely find that the cover is insufficient or severely limited. If you should ever need to make a liability claim, you could easily end up in hot water if the coverage isn’t enough.
This is where XINSURANCE steps in and covers the gaps. We have over four decades worth of expertise in giving solutions to high-risk activities and occupations, even for those with a claims history or who have been denied coverage in the past.
XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We’re able to offer our clients comprehensive insurance solutions because we assess your business operations and experience levels to determine the best firework stand insurance for you.
Coverage includes:
- 3rd party bodily harm
- 3rd party property damage
- Coverage for all types of displays, including public, private, New Year, 4th July, Labor Day, weddings, birthdays, corporate events, and more
Call or Click for a Quote From XINSURANCE
It’s never too soon to get yourself liability insurance for firework stands. Make sure you have it before your next event, so you can execute the firework display with complete peace of mind.
You can get in touch with XINSURANCE in several ways.
- Phone 877-585-2853
- Email: info@xinsurance.com
- Office locations: HERE
Head to our website to discover more about XINSURANCE, including our full product line. Our events calendar lets you know which events we’ll be attending. If you don’t have time to chat, you can always click for a quote to quickly receive a price for coverage.
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Don’t work in fear that a freak accident could ruin you financially. Liability insurance for firework stands is key to making your events go with a bang. Get in touch today and get protected with XINSURANCE so you can wow your audience with confidence.
Authored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE
Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.
