Frequently Asked Questions

At any event where liquor is sold. Under Ohio law, selling is defined to include events where the liquor is included within the admission price. Fundraisers where alcohol is served require a permit.

• Visit the Ohio Department of Commerce, Division of Liquor Control, on the web at http://www.com.ohio.gov/liqr/forms.aspx and scroll down to the heading "Licensing: Temporary Liquor Permit Applications". Then click on the specific permit link to download an application; or
• Call your local permit office or the State of Ohio - Division of Liquor Control, Permit Division, 6606 Tussing Road, Reynoldsburg, Ohio 43068, Telephone: (614) 387-7407, to request an application be mailed to you.

Host Liquor Liability where no sale is involved is automatically provided under the Master Plan. If a permit is required for sale of alcohol at the event, the Master Plan will extend Liquor Liability coverage to your event upon receipt of your temporary permit and premium payment of $110.

All trampoline or rebounding devices, dunk the dollys, and certain inflatables where the participant’s feet leave the surface or their body is otherwise jerked off-balance.

Amusement operators must hold a valid license from the Ohio Department of Agriculture and provide a certificate of insurance evidencing at least $1,000,000. Each Occurrence Liability coverage and naming the parish / institution, Diocese, and Bishop as Additional Insureds. They must also provide evidence that they carry Workers’ Compensation coverage for injury to their employees.

It is common for the rental company to contract with you to deliver and set-up the inflatable, but leave it for you to operate. The rental company must still have a valid license from the Ohio Department of Agriculture and provide a certificate evidencing at least $1,000,000. Each Occurrence Liability coverage and naming the parish / institution, Diocese, and Bishop as Additional Insureds. However, in these situations you are assuming the responsibility to operate the device, so their insurance will not apply to your negligence. The rental company should deliver and set-up the inflatable and is required under Ohio law to train those who will operate the device. All volunteers who will supervise the use of the inflatable, must attend this training session. Adult supervision is required during use of the inflatable, and any rules posted on the inflatable must be followed. Any contracts with the rental company must be signed by a parish / institution official, not a volunteer.

Any licensed driver over the age of 21 can drive parish / institution vehicles with your permission. It is incumbent on you to make sure they have a valid driver’s license, an acceptable driving record, and are using the vehicle within the scope of your permission.

DISC will run Motor Vehicle Reports (MVR) upon request at no charge. To request an MVR click here.

An accident involving Mechanical Breakdown, artificially generated electrical current, explosion, or bursting, cracking, or splitting of covered equipment.

Equipment that generates, transmits or utilizes energy, including electronic communications and data processing equipment. Commonly thought of equipment are your boilers, HVAC systems, computers, and telephone systems.

Hartford Steam Boiler (HSB) is the insurer and they provide your jurisdictional inspections. If HSB does not already have you on their inspection schedule, you can request an inspection directly from HSB. Click here for instructions.

All claims – Property, Auto, Injuries, Employment Related should be reported the DISC Property / Casualty Office at Claim & Exposure Reports. Or On-Line.

The Property adjuster can also be reached at (330) 524-7228. Always take reasonable steps to secure the property from further damage, until the adjuster is available to direct clean-up and repairs.

Contracts can only be signed by an authorized official of the parish or institution. Signing a contract commits the parish / institution and insurable liabilities assumed flow to the Diocese and Bishop via the Self-Insured portion of the DISC Master Insurance Plan. Assumption of liability must be taken seriously.

You can always call the Diocesan Legal Office (216-696-6525) or DISC (216-621-7183) for a review of a proposed contract.

If you comply with Ohio liquor laws and obtain the necessary temporary permit, DISC will provide $1,000,000 of liquor liability insurance. The cost for one event is $110. To request coverage, send a copy of your liquor permit to the Property & Casualty Office.

Any type of trampoline or rebounding device is excluded under the DISC Master Insurance Plan. Due to the nature of inflatables, determining what is a rebounding device can be subjective, so the general rule is that devices where the participant’s feet leave the surface or their body is otherwise jerked off-balance are prohibited. You can call the Property & Casualty Office for a specific determination. See AMUSEMENTS section.

All buildings and contents owned by, and listed on, your location Property Schedule are covered on a replacement cost basis.

Unlike many commercial insurance policies, the DISC Master Insurance Plan provides coverage for flood and sewer back-up. Water escaping from your plumbing system because of a burst pipe or other failure is also covered.

Any new construction and major renovations should be reported to the Property & Casualty Office prior to commencement. Builder’s Risk coverage may be required and if so, DISC can arrange it.

Special Event Liability Coverage is required for third parties who rent or otherwise use your facilities and who cannot provide evidence of insurance. DISC offers coverage to third parties upon review of a satisfactorily completed "SPECIAL EVENTS LIABILITY INSURANCE COVERAGE APPLICATION FORM."

Special Event coverage only provides host liquor liability at events where there is no sale involved, typically at weddings. If a temporary permit is required or a charge of any kind is made, Liquor Liability is excluded under the Special Event policy. It is incumbent on the third party to provide evidence of their permit along with $1,000,000 of liquor liability insurance.

Yes, parish sponsored events are covered under the Master Insurance Plan. If alcohol will be served, see requirements above under ALCOHOL.

Volunteers, serving without remuneration, are covered under DISC General Liability while acting under the direction and control of the parish or other insured DISC entity.

$1,000 of medical expense is provided for volunteers injured during their service.

No, volunteers must look to their own auto insurance for both liability and damage to the car.