Insurance Coverage

Individuals and off campus organizations are permitted to host events on campus provide they:

• Sign and return a Facilities and Services Agreement (contract)
• Follow the policies/procedures the venue(s)
• Provide a certificate of insurance (COI)

At least 2 weeks prior to the event you must submit the COI, accompanied with the contract.

If you already have insurance coverage, please have your insurance company send the venue operator a COI with the specifications referred to below: 

Any rental of campus space by an external group or individual requires a Certificate of Insurance to be issued as follows. This is a summary statement designed to assist you and your insurance agent in fulfilling this requirement.

Certificate Holder

The Curators of the University of Missouri

University of Missouri-St. Louis

1 University Boulevard St. Louis, MO 63121-4400

Certificate of Insurance evidencing current coverage

• Commercial General Liability: not less than $1,000,000 each occurrence, $2,000,000 annual aggregate

  • a. Coverage shall not contain any endorsement(s) excluding nor limiting Product/Completed Operations, Contractual Liability or Cross Liability.

  • b. Coverage shall be primary and COI shall state policy is primary to any other valid or collectible insurance in force.

• Workers’ Compensation & Employer’s Liability: $500,000 for each accident, disease per employee, and disease policy limit.

  • a. If no employees will be on site for the event, please provide a letter on company letterhead stating so.

  • b. Facility User with employees must carry the state statutory minimum worker' compensation coverage limits.

  • c. Where applicable, if Facility User has less than 5 employees the Facility User may submit a Request for Worker’s Compensation Waiver.

• If Facility User is engaging a caterer to serve alcoholic beverages, that caterer must supply a Certificate of Insurance proving liquor liability coverage written on an “occurrence basis” and have limits not less than$1,000,000 each claim or each common cause and at least a $1,000,000 aggregate. The officers, employees, and agents of The Curators of the University of Missouri shall be endorsed as Additional Insured on such policy.

• If Facility User is engaging a valet or car parking service, that vendor must supply a certificate providing automobile liability coverage at a limit of not less than $1,000,000 each occurrence.

• Umbrella Policies: Facility User may satisfy the minimum liability requirements under an Umbrella or Excess Liability Policy. The Annual Aggregate limit shall not be less than the highest “Each Occurrence” limit stated above. Facility User must endorse "The officers, employees, and agents of The Curators of the University of Missouri" as "Additional Insured" on the Umbrella or Excess Liability, unless the Certificate of Insurance states the Umbrella or Excess Liability provides coverage on a “Follow-Form” basis.

Dates of Coverage

Include all time the group will be on University property. This includes setup, rehearsals, the event itself, and/or any load-out. OR Certificate may be issued as blanket coverage if multiple events are scheduled within the year.

Additional Insured

Certificate may be mailed to 1 University Blvd, 379 Millennium Student Center, St. Louis, MO 63121-4400; or emailed to eventservices@umsl.edu and must be received at least 14 days prior to first day of operation.

If you DO NOT have insurance coverage, you may obtain coverage by contacting an agent/broker.  Same specifications as in the linked document above. Event Services suggests using:

• WedSafe
• Private Event Insurance
• WedSure
• The Event Helper

You may want to also try obtaining coverage from an agent/broker that you already receive some form of insurance from as some agencies offer multiple times of insurance coverage.