You operate a haunted corn maze and employ outside vendors to help set up the maze and make sure it’s safe. One vendor, Chuckie’s Plumbing, installs and sets up the fog machine for the haunted maze. After one of the goblins passes out from toxic fumes from the fog machine, Chuckie’s Plumbing is called to repair the machine. Again, the fog machine malfunctions producing toxic fumes and Chuckie and his crew become sick. They are transported to the hospital where the crew members are treated and released but, sadly, Chuckie dies a few days later.
You find out that Chuckie’s Plumbing does not have insurance including workers compensation insurance. You also discover that you do not have a contract with Chuckie’s Plumbing and did not request certificates of insurance or any additional insured status.
Will your insurance policy have to pay for Chuckie’s untimely death and does it cover for toxic fumes? Are you insured now that the corn maze is closed due to lost profits? Are you insured for the goblin’s visit to the hospital?