The Complete Guide to Rodeo Event Insurance

Whether you're organizing a small jackpot rodeo or a major PRCA-sanctioned event, proper insurance coverage is non-negotiable. Here's everything you need to know about protecting your rodeo event.

Types of Rodeo Event Insurance

General Liability Insurance

General liability is the foundation of any rodeo event insurance package. It protects against:

- Spectator injuries from falls, collisions, or animal-related incidents

• Property damage to the venue, equipment, or third-party property

• Food vendor incidents if you have concessions at your event

• Parking lot accidents on your event premises

  Most venues require a minimum of $1 million in general liability coverage, though larger events may need $2-5 million.

  Participant Accident Insurance

  This coverage protects the competitors in your event:

  - Medical expense coverage for competition-related injuries

• Accidental death and dismemberment benefits

• Secondary coverage that works with competitors' primary insurance

  Livestock Mortality Insurance

  Your bucking stock represents a significant investment. Livestock mortality insurance covers:

  - Death from injury during transport or competition

• Illness and disease

• Theft of valuable animals

• Coverage for both owned and leased stock

  Special Considerations for Rodeo Events

  Alcohol Liability

  If your event serves alcohol, you'll need liquor liability coverage. This protects against:

• Injuries caused by intoxicated attendees

• Property damage from alcohol-related incidents

• Over-service claims

  Weather Cancellation

  Outdoor rodeos are at the mercy of Mother Nature. Event cancellation insurance can reimburse:

• Non-refundable deposits and vendor payments

• Advertising and promotion costs

• Lost ticket revenue

• Rescheduling expenses

  Volunteer Coverage

  Many rodeos rely heavily on volunteers. Make sure your policy includes:

• Workers' compensation alternatives for volunteers

• Volunteer accident coverage

• Protection for volunteer drivers using personal vehicles

  What Rodeo Associations Require

  PRCA Requirements

Professional Rodeo Cowboys Association events typically require:

• Minimum $1 million general liability

• Participant accident coverage

• Proof of workers' compensation

  PBR Requirements

Professional Bull Riders events have specific insurance requirements including:

• Enhanced medical coverage minimums

• Specific bull and rider protections

• Venue-specific requirements

  Cost Factors for Rodeo Event Insurance

  Several factors affect your premium:

  1. Event size - Number of expected attendees and participants

2. Event duration - Single day vs. multi-day events 3. Events included - Rough stock vs. timed events have different risk profiles 4. Venue type - Indoor arenas vs. outdoor facilities 5. Alcohol service - Events with alcohol cost more to insure 6. Claims history - Your track record matters

Getting Started

At 8 Second Insurance, we specialize in rodeo event coverage. We can help you build a comprehensive policy that meets your specific needs and budget.

Planning a rodeo event? Contact us for a customized quote and ensure your event is properly protected.