One of the options available on most commercial general liability policies, this covers spectators for first aid & other immediate medical care, ambulance, hospital and funeral expenses due to an accident at your event. Payments are made regardless of fault. Its nickname is “Goodwill Insurance”. The theory is if an injured spectator has their medical expenses paid for an accident, they are less likely to sue you to recoup what they lost.
See Accident Medical Policy for a similar coverage insuring participants (sports, theater, film, volunteers, staff, performers, etc.)
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