Risk Management

Meeting execution requires a broad range of local-based services (transportation, tours, theme décor, entertainment, team building, dining, etc). As a result, numerous vendors with varying levels of financial strength and insurance coverage are utilized to fulfill these services. For example, a final night reception may include the services of an entertainer, florist, staging and production company, décor company, etc.; transfers from the airport to the hotel may include multiple transportation companies in order to provide multiple vehicle types. When you work with Hello USA!, the risks of inadequate coverage by any vendor are eliminated as a result of our process, team, and $20M of liability coverage ($5M primary and $15M umbrella). In addition to our expertise, this is a significant value proposition.

The Risk Management Team

Hello USA! has a Vendors Risk Management program which is overseen by our Executive Vice President with the assistance of a three person risk management team. This team is supported by top insurance agencies, brokers, and A-rated insurance carriers. They work together with our sales staff as a cohesive unit to scrutinize all aspects of each individual event, ensuring the careful selection of vendors and the proper insurance protection — securing the ultimate enjoyment of our customers.

Liability Insurance Coverage

As our additional insured, a client can attach to our policy directly for their defense, meaning they do not have to defend themselves first, then seek indemnification. Of course, the coverage of our vendors will be primary, but our policy provides the important contingent coverage in the rare event the vendors’ coverage is insufficient and the additional Hello USA! coverage is needed.

Detailed Insurance Schedule

Type Of Coverage:	Travel Agents and Tour Operator Professional Liability Insurance
Limits:	5,000,000 each occurrence 100,000 damage to rented premises (ea. occur.) 5,000,000 pers & adv. injury 5,000,000 hired and non-owned autos (combined single limit) each accident 5,000,000 (each occur. and each aggregate)
Insurer Affording Coverage:	Zurich American Ins. Co.

Type Of Coverage:	Workers Compensation & Employers’ Liability Hello Florida! Inc.
Limits:	500,000 E.L. each 500,000 E.L. Disease – ea employee 500,000 E.L. Disease – policy limit
Insurer Affording Coverage:	Bridgefield Employers Ins. Co.

Type Of Coverage:	Workers Compensation & Employers’ Liability Hello Arizona! Inc. Hello Nevada, dba Hello Las Vegas!
Limits:	500,000 E.L. each accident 500,000 E.L. Disease – ea employee 500,000 E.L. Disease – policy limit
Insurer Affording Coverage:	The Hartford Underwriters Insurance Company

Type Of Coverage:	Excess/Umbrella Liability (extends above all other coverages)
Limits:	15,000,000 each occurrence 15,000,000 aggregate
Insurer Affording Coverage:	Federal Insurance Co. – Chubb

Type Of Coverage:	Liquor Liability
Limits:	1,000,000 ea. occur. 1,000,000 aggregate
Insurer Affording Coverage:	Navigators Insurance Company