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Equipment and Liability Insurance

No insurance coverage will be issued without a current B.A.O.A. membership number. Membership is issued by the B.A.O.A. office. Membership numbers are non-transferable. Fraudulent use will result in revocation of membership and insurance privileges. IT IS NOT NECESSARY TO PURCHASE BOTH POLICIES - YOU MAY CHOOSE EITHER LIABILITY ONLY OR EQUIPMENT & LIABILITY COVERAGE.

Liability

Equipment Coverage

Master B.A.O.A. general liability policy with each member as an individual insured member.
Comprehensive liability limits $1,000,000 per occurrence/$2,000,000 aggregate
$1,000,000 products and completed operations aggregate
$1,000,000 personal & advertising injury
$300,000 fire damage legal liability
$5,000 medical expense of any one person
LIMITS APPLY PER MEMBER AND ARE NOT SHARED
Covers you for sums that you become legally obligated to pay as a result of bodily injury or property damage arising out of your business operation. Coverage applies both on your premises and premises of others.
Premises owners can be added as additional insured. The first 10 will be free. Additional certificates will be $10 per additional insured.
Major exclusions are explosives and fireworks, animals, broadcasting errors and omissions, and contingent business interruption.
NO DEDUCTIBLE
Liability insurance is available for all inflatable and novelties such as Moonwalks & Rock walls on a policy separate from the Liability coverage

Master B.A.O.A. property insurance policy with each member as an individual insured member.
Coverage is for equipment, related accessories and applies while on & off your premises. Risks of direct physical loss, except those causes of loss specifically excluded are covered.
Valuation is on a replacement cost basis with no co-insurance
$250.00 deductible per loss
Rate of $1.00 per $100.00 of scheduled equipment over $15,000. Minimum limit: $150.00 for first $15,000.
Rental Reimbursement and expediting expense provides coverage for rental of replacement items following a covered loss to your equipment or accessories up to 10% of the limit purchased or $5,000, whichever is less.
Additional Acquired Property during the policy term is covered up to 25% of the limit of insurance or $10,000, whichever is less for up to 30 days. Please notify us as soon as you purchase additional equipment.
All perils are covered (theft, fire, flood, earthquake, hurricane, etc.)
Theft is NOT covered in your unattended - unlocked vehicles. Vehicle fire and accident coverage will still apply
Loss by theft from an unattended vehicle is covered up to the limit purchased or $25,000, whichever is less, ONLY if the vehicle is completely locked and there are visible signs of forcible entry. If limits are purchased in excess of $25,000, theft from a vehicle is covered ONLY if it is attended.

These specifications are a general summary of coverage available. The policy term should be consulted for actual coverage and will govern the settlement of any claims.

PLEASE ALLOW AT LEAST 72 HOURS FOR COVERAGE TO BEGIN AFTER RECEIPT OF PREMIUM AND SIGNED APPLICATION.

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