insurance conditions - what do we need or want

Here's the big picture of insurance (german/DeepL-english):

Veranstaltungshaftpflichtversicherung
Versicherungsumfang
-Personen-, Sach- und Vermögensschäden pauschal bis 3 Mio. Euro (evtl. 5 Mio Euro)
-Schlüsselverlust bis 3 Mio. Euro
-Mietsachschäden an Gebäuden/Räumen auch durch Besucher bis 3 Mio. Euro
-Mietsachschäden an in der Location festverbauter Veranstaltungs-, Küchen- und Gastrotechnik bis 3 Mio. Euro
-Mietsachschäden an mobilen Sachen auch durch Besucher bis 10.000 Euro
-freie Mitarbeiter (Namensliste oder pauschaler Einschluss gegen 36 Euro Mehrbeitrag) – organisatorische Helfer, Servicekräfte – keine Techniker oder Künstler
-Aufbau Tribünen, Bühnen, Zelte, Pagoden
-Ausgabe Essen/Getränke in Eigenregie
-Umwelthaftpflichtversicherung
-Umweltschadenversicherung inkl. Zusatzbaustein I (überlassene Grundstücke)

Vorsatz und übermäßige Beanspruchung bleiben ausgeschlossen.
Auf- und Abbauzeiten sind ohne Angabe mitversichert.

Technikversicherung
Versicherungsumfang
Abhandenkommen durch Diebstahl, Einbruchdiebstahl, Raub, Plünderung, Unterschlagung und Betrug, sowie Sachschäden durch

-Bedienungsfehler, Ungeschicklichkeit, Fahrlässigkeit, Vorsatz Dritter;
-Konstruktions-, Material- oder Ausführungsfehler;
-Kurzschluss, Überstrom oder Überspannung;
-Brand, Blitzschlag, Explosion, Anprall oder Absturz eines Luftfahrzeuges, seiner Teile oder seiner Ladung sowie Schwelen, Glimmen, Sengen, Glühen oder Implosion;
-Wasser, Feuchtigkeit;
-Sturm, Frost, Eisgang, Überschwemmung;

 Selbstbeteiligung im Schadenfall

 -250 Euro bei Beschädigungen
-10% bei Witterungseinflüssen, mind. 250 Euro, max. 10.000 Euro
-25% bei Abhandenkommen – diese reduzieren sich bei Einbruchdiebstahl auf 10% wenn die Veranstaltungsstätte nachweislich bewacht oder alarmgesichert war, mind. 250 Euro, max. 10.000 Euro

--

Event liability insurance
Scope of insurance
-personal injury, property damage and financial loss lump sum up to 3 million Euro (possibly 5 million Euro)
-loss of keys up to 3 million euros
-property damage to buildings/rooms, also by visitors, up to 3 million euros
-property damage to event, kitchen and catering equipment permanently installed in the location
up to 3 million euros
-property damage to mobile objects also by visitors up to 10,000 Euro
-free employees (list of names or lump-sum inclusion against 36 Euro additional premium) -organizational helpers, service staff - no technicians or artists
-set-up of grandstands, stages, tents, pagodas
-distribution of food/drinks on own initiative
-environmental liability insurance
-environmental damage insurance incl. additional module I (land provided)

Intent and excessive strain remain excluded.
Set-up and dismantling times are included in the insurance without specification.

Technology insurance
Scope of insurance

Loss due to theft, burglary, robbery, plunder, embezzlement and fraud, as well as property damage due to
-Operation errors, clumsiness, negligence, intent of third parties;
-defects in design, materials or workmanship;
-short circuit, overcurrent or overvoltage;
-Fire, lightning, explosion, impact or crash of an aircraft, its parts or cargo, and smoldering, smoldering, scorching, glowing or implosion;
-water, moisture;
-storm, frost, ice, flood;

Deductible in case of damage

-250 Euro in case of damage
-10% in case of weather, min. 250 Euro, max. 10.000 Euro
-25% in the event of loss - this is reduced to 10% in the event of burglary if the event location was demonstrably guarded or alarmed, min. 250 euros, max. 10,000 euros.

I like the sound of this handling fee. Would mean we are also pandemic prepared in the case that any of our build crew test positive before the event and we could find another volunteer to cover them without extra paperwork. 👍

Oh yes I know this one. It just doesn't have the option "building my dream" in the "why do you come" section so I thought it wasn't for dreamers. I will instruct my dreamers to use the box "other" then?

it should be adjusted then. I think Franzi is the owner of the file to modify it

Tagging @Franzi - can we add the 'dreamer' option in the early entry form?` And maybe even a question asking 'which dream' they come for, in the case a dream wishes to register more than one early entry and whether they are 'helpers' to the dream or the actual dreamer?

Thanks, Vero & Franzi!

@Franzi also, should there be an option for "Korgi" or "Realizer (that needs to be there for build)"?

The insurance fee will be cheaper if we can calculate the maximum amount of people that will be on site on a given day. Otherwise the maximum for build will be 200 per day and for the event about 1000 – anyone has an opinion if/how we can do this? Many people are probably still not sure when they will arrive. Does it make sense to play with some numbers or to do a poll on this? @Professor Kaos

Edit: Build & strike don't count, only numbers for the main event are relevant

We don't need a talk poll, for build you can contact Franzi for the final numbers.

For the event itself we can add a poll to the newsletter for more detailed feedback.

Until then we can assume a gradual increase. That's roughly how it was in 2019 I believe.

Wednesday - 700 persons

Thursday - 800 persons

Friday-Sunday - 950 persons

Here we go ...

I've sent you all I have via email.