Property exposure due to a fire starts with the extensive wiring for lighting, electrical, or electronic equipment. It must be in good repair and adequate for the equipment used. Other items that may contribute to fire losses are stage preparations such as building, painting, or gluing scenery and displays that use wood, plastic, or flammables. These materials must be properly controlled with flammables stored in approved containers and cabinets. If there is a snack bar or restaurant exposure, review the Restaurant narrative.

Crime exposures are due to employee dishonesty and money and securities. Ticket sales and receipts recording should be separate functions. There should be reconciliation required of all ticket agents. All ordering, billing and reimbursement must be separate functions. Cash areas should be stripped on a regular basis and receipts deposited at least nightly.

Inland marine exposures can be high, with the wide variety of equipment for sound, lighting, and all types of scenery and displays. Musical instruments, computers, and the property of speakers, performers, and guests may increase the inland marine exposures. If any owned equipment is taken off premises, the exposure to loss increases. Accounts receivable coverage may be needed if tickets are sold to season subscribers on an instalment basis. Valuable papers and records are due to vendor, supplier, and performer contracts.

Occupier’s liability exposure is high due to the large number of visitors on premises. Public and life safety code compliance is very important. Trips, slips, and falls are high concerns. Events are often held in darkened areas. Adequate lighting, marking of exits and egress are mandatory. Steps must have rails, be well-lit, marked, and in good repair. Security at events, as well as in the building, corridors, and parking areas, needs to be carefully reviewed.

Products liability exposure comes from any item that is sold in a gift shop, snack bar or restaurant.

Automobile liability exposure is generally limited to hired non-owned for employees running errands. If there is transportation of guests, performers, officials, or visitors, the training and records of drivers and the care and maintenance of the vehicles must be considered.

Workplace safety exposure is high. Employees who set up, build, or transport stage settings, equipment, lighting, and scenery have exposure to back injury, hernia, slips and falls, strains, or sprains. Stage and lighting setup may involve exposure to electrical shocks and burns. Above-ground exposures need additional protection and precautions to prevent falls. Employees responsible for collecting, counting, possessing and depositing money may be subject to hold ups. Security personnel may suffer injury from hold ups or unruly patrons.