Lori Shaw, director of sports

Aon Risk Solutions, Entertainment Practice Group

General liability coverage needs to contemplate personal injury type of situations. Event security may have to address protestor activity and secure portions in and around the stadium from the rest of the public. There may be those that are organized and have an agenda and are intent on getting their issue out to the media. Under a general liability policy, stadium security will be covered for allegations of detentions that were inappropriate or for any injuries. Fans could be injured during a disruption, whether it is from a political protest or some other disruptive fan behavior.

The social-media risk goes hand-in-hand with protestors. Plans can be made to protest on a certain date. They can be organized through social media. It is also good at getting their message out and reacting to events as a protest progresses.

Cancellation of the event—Last year the Super Bowl was hit by a bad winter storm. Event coverage would cover postponement or the need the move the event because of weather or some sort of other natural threat or anything that is outside of the organizers control. It would pick-up not only lost revenue but added cost and expenses to re-stage the event.

Commercials—What many people don't think about are the commercials and entertainment. There is insurance for prize promotions and insurable items involved in promoting products. The commercials that appear on television during the Super Bowl also have to be insured for non-appearance of actors to packages that cover the location of shooting a commercial in difficult locations. The ripple effect is that there are far more stake holders in the Super Bowl than anyone imagines.

Half-Time—Half-time activity has unique exposures. There is a lot of detail and planning that goes into these productions. The logistics to handle the show, sometimes involving pyrotechnics, has to considered and insured.

Chris Rogers, director of risk control

Aon Risk Solutions, Entertainment Practice Group

Terrorism is not an if, but when. It doesn't take a tremendous amount of effort to cause a disruption. It doesn't have to be foreign terrorists perform an act of terrorism. It could come in the form of some sort of cyber attack from a disgruntled employee or an animal rights activist could create a situation that could mean cancelation of the event. There are a number of groups that might disrupt the Super Bowl.

There is an entire year spent working on the show and it is always a challenge and there is a lot of anticipation around what people are going to do. It is inevitable as you are planning to do a show that someone is doing something that is unexpected or unplanned. Someone forgot to tell someone else about a group of artists appearing somewhere no one else planned them to be. It is a constant, ongoing challenge.

Craig Simpkins, risk services consultant

Fireman's Fund

According to Fun Facts Pizza.com:

• Super Bowl Sunday is one of the top five pizza sales days
• Domino's delivery drivers will log about four million miles on Super Bowl Sunday
• Delivery sales of pizza spike the most during close Super Bowl games.
• On Super Bowl Sunday, pizza delivery drivers can expect $2 tips to sometimes soar as high as $20.

Concerning pizza delivery, pizza parlor owners have to be concerned with non-owned automobiles: personal vehicles driven by their delivery people. If the driver doesn't have sufficient insurance coverage, or coverage is excluded for the vehicle while working, the owners non-owned auto coverage is triggered in the event of an accident. To be secure, pizzeria owners should secure $1 million in extra liability, umbrella coverage, for their business. If their driver has insufficient coverage, the liability falls on them.

Pizzeria owners need to properly train their drivers and perform a check list that includes ordering the motor vehicle report, inspection of the car and checking insurance coverage for adequate levels of liability coverage. Make sure the driver license is valid. Drivers should add bodily damage liability coverage to their personal auto.

The common cause of claims is rear end collisions caused by speeding or driving while distracted while making a delivery. There can be all sorts of accidents that can occur that could be contributed to the Super Bowl pizza rush.

On piece of advice we give owners is their drivers should avoid left turns through intersections. We have seen an increase in accidents where there was a failure to observe or yield. Routes should be laid out with a minimum of these turns.

Another major number of claims happen when drivers don't look behind them when backing-up. We recommend that delivery drivers not pull into the driveway. Pull up to the curb and pull away and eliminate the potential for an accident that is a lead loss for the industry.

The driver is promoting the pizzeria owner's business when he is driving out there. It is important that they drive responsibly. Owners should consider shadowing their driver a couple of times a year to determine if they are obeying traffic regulations. Make it a teachable moment to help change behavior.