Live Action Role Playing (LARP) provides participants of all ages the opportunity to bring life to their most cherished fantasy characters in a creative social setting. Participation though, may also result in accident and injury. Many families have little or no medical insurance, and those who have coverage may be required to meet large deductibles before their insurance pays any benefits. In addition, Gamemasters run the risk of personal exposure to lawsuits through a participant's injury claim and liability insurance requirements mandated by venue or land owner.
This Specialty Insurance Program for Live Action Role Playing organizations is designated to help eliminate the financial and emotional burden one can incur as a result of a lawsuit or participant injury claims. Accident and liability insurance coverage is offered as a standard product with optional coverages also available such as equipment, hired and non-owned automobiles and additional higher liability insurance limits.