PPA, insurance question

Just got an e-mail from client saying that the hall they have booked required them to be named as additional insured, i know my old insurance company would do this dose any one know if the PPA liability insurance covers this as well. ( i have to call them Monday to find out but maybe some one has dealt with this already)

This is what the e-mail quoted - it was longer but this is the important part


The resolution states that effective immediately, such rental equipment will not be
permitted on XXXXXXXX property for private functions. Any home owner with a
previously completed rental agreement that indicated rental equipment was
being brought on to the property is now required to obtain a "special
events" insurance policy naming the Association as an additional insured
party.

But they don't give you any idea of what limits they want? That is strange. If you want people to be listed as additional insureds, then you need to tell them what limits you want to be insured for at a minimum, and also what needs to be insured. -insured for x amount auto insurance, x amount liability, workers comp, etc...

$1million of liability is pretty much standard. If you have legit liability insurance, then that won't be a problem.

PPA gives you errors and omissions coverage, which is different, unless you bought a special policy on top of your membership.

That is why, even though I'm a member of PPA, I use a local insurance agent. It's easy for me to call him up and ask for those certificates, then drop by and pick it up.

They are also referring to a special event policy which is likely different that the coverage being provided by your association policy. Without the wording of your assn policy its impossible to know for sure, but my guess is that the intent is to only provide coverage for your operations as a photog and not the liability for the entire event being booked by your client. Your client should call their broker and obtain a special event policy. These can typically be purchased for $100-$200 and additional insured requirements naming the event location are standard practice. Coverage for liquor liability can also be included to better protect your client.