What It Really Takes to Insure the Super Bowl

What does it actually take to insure an event as massive as the Super Bowl?

In this episode of Insurance Gone Wild, Dennis Settle Meyer and Stephanie Lynchoni pull back the curtain on the wild world of large-scale event insurance — using the Super Bowl as the ultimate case study.

Spoiler alert: it’s not just one policy.

From general liability and excess coverage to cyber liability, terrorism coverage, assault and battery endorsements, workers’ compensation, media liability, vendor insurance requirements, and even active shooter coverage, the layers are staggering.

Dennis explains why events of this size require:

Entire teams dedicated solely to insurance documentation

Specialized risk managers coordinating contracts and compliance

Massive liability limits (often in the hundreds of millions)

Vendor certificates and additional insured endorsements

Complex negotiations between venues, leagues, cities, and performers

Stephanie dives into real-world “what if” scenarios:

What happens if fans get into a fight?

Who’s liable if someone is injured in the parking lot?

Does a venue’s insurance change when hosting something like the Super Bowl?

How does workers’ comp work when employees cross state lines?

They also explore how insurance responsibility is transferred through contracts, why assault and battery coverage is critical at large events, and why some entertainment acts are harder to insure than others.

Whether you’re planning a major event, managing risk for a venue, or just curious about the massive insurance machine behind the biggest night in sports, this episode gives you a behind-the-scenes look at how the industry protects billion-dollar spectacles.

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📞 Call: 817-753-0093

⏱ Chapters

00:00 – Welcome Back & Why We’re Talking About the Super Bowl
04:50 – What Actually Goes Into Insuring a Mega Event
09:45 – Workers’ Comp, Multi-State Issues & Event Staffing
14:48 – Security Risks, Field Intrusions & High-Profile Liability
17:36 – Assault & Battery Coverage Explained
21:20 – Lawsuits, Liability & The Reality of Big Events
23:00 – Entertainment, Concerts & Why Some Acts Are Harder to Insure
26:30 – Final Thoughts & Listener Questions
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