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EVENT CANCELLATION REFUND COVERAGE T&C's

FanShield, LLC under its EventShield product, herein referred to as the Company, will pay you, herein referred to as the Certificate Holder, protection benefits described within this policy.

Company will provide a full or partial refund of your registration fee to you should the event be canceled or postponed for one of the following reasons and not rescheduled within 90 days.

Company is not providing an insurance plan to you. Company is providing a refund guarantee on behalf of the Event that you are participating in should the event be canceled due to certain circumstances.  Please note, for the refund to be paid, the Certificate Holder must maintain it’s Event Membership in EventShield until the event has occurred or has been canceled per the terms of this Disclaimer.  

COVERED PERILS

Adverse Weather - means any adverse weather that involved conditions that posed a serious threat to the safety of those individuals attending or setting up the insured event or made it physically impossible to use the venue due to physical damage of the venue or complete inaccessibility to the venue.

Natural Catastrophe – means earthquake, tsunami, flood, volcanic eruption, hurricane, tornado, forest fire and/or any other extraordinary meteorological event causing widespread damage.

Terrorism – means an act or series of acts, including the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s), committed for political, religious or ideological purposes including the intention to influence any government and/or to put the public in fear for such purposes. Notwithstanding the forgoing, this does not cover any loss, cost or expense directly or indirectly arising out of, contributed to or caused by, or resulting from or in connection with:

1. Any fear of a potential act of terrorism;

2. Any threat of an act of terrorism, except that this policy is extended to include loss or damage as a result of an threat of an act of terrorism in which such threat results in a public safety civil authority issuing a written order resulting in the inability to hold the insured event as scheduled; or

3. Any act of terrorism involving a nuclear weapon or device or the emission, discharge, dispersal, release or escape of any chemical or biological agent.

Please note that Company will not provide any refund should an event be canceled once it has started. Company will also not provide a refund if the event is rescheduled to take place within 90 days of the original commencement date of the event or if the covered Event also provides refunds for the same perils listed above.  Should the event be canceled for any other reason than explicitly stated above, Company is unable guarantee a refund of your registration fee.

CLAIMS PROCESS

In the event of a covered loss, the Certificate Holder can file a claim at FanShield.insure/eventshieldclaim. Certificate Holder must provide claim form, invoice (proof of value), and any additional documents required by claims adjuster to substantiate loss. Claim must be filed no later than thirty (30) calendar days from the date of cancellation. Once the claim is filed, you have thirty (30) calendar days from the file date to furnish any required and/or additional documentation requested to substantiate the claim. Failure to provide the documentation within the thirty (30) day timeframe, unless otherwise agreed upon with the claims agent, will result in the claim being closed.

BENEFIT PAYMENT

Company will pay non-refundable Ticket Cost, less any refunds, tax and shipping up to the limits specified on your policy.

COVERAGE PERIOD

Coverage begins when the protection is purchased and remains in effect until the start of the event the coverage was purchased for.

LIMITS

The coverage has a limit of $10,000,000.00 for each certificate of coverage issued. Coverage is issued on a per-event basis.

California Residents: We are doing business in California as FanShield, LLC

CLAIM DISPUTES

This Certificate shall be construed and interpreted in accordance with the laws of the State of California.

The parties agree that any and all claims or disputes arising out of the Certificate or performance of the Certificate shall be brought in Los Angeles County.

The Certificate Holder agrees to INDEMNIFY AND HOLD HARMLESS ‘Company Name’ and its underwriters from any loss, liability, damage, or costs, including court costs and attorney fees that they may incur due to misreading, misunderstanding, and not following the coverage requirements as per this ‘Company Name’ Certificate or as endorsed

DEFINITIONS

Coverage Period: Time during which payment for occurrence of covered peril is available, beginning on the effective date, the date ticket with coverage was purchased, and ending on the termination date, the start time and date of the event that the coverage was originally purchased for.

EventShield Membership:  Due to your contractual relationship with Company through EventShield you are provided access to the policy via their Adventure Advocates membership.

Refund: Repayment of the sum or portion of money paid.

Ticket Cost: The total paid for the ticket Ticket Cost, less any refunds, tax and shipping

Company: FanShield and its agents.

Certificate Holder: All persons listed on the Certificate.