July 24, 2025  | Charmaine Skoubo

As summer kicks into gear, the time for outdoor events is upon us. From community parades to dog park grand openings, to new playgrounds, Colorado’s special districts are known for creative outdoor events. A lot goes into planning an outdoor event to make it as smooth and as fun as possible for guests, but while they build community spirit, they also introduce unique risks. With elements like human hamster balls, bounce houses, and dog-friendly events, they can pose surprising coverage challenges. 

Risk Management Action

These activities all sound like a lot of fun, but it’s important special districts are careful and manage the risk when it comes to these outdoor events. If you're unsure what steps to take when planning for an outdoor event, follow these best practices:

• Require COIs (certificate of insurance) from every vendor or performer prior to the date of the event
• Use waivers for high-risk activities
• Conduct pre-event walkthroughs to identify unusual hazards
• Maintain detailed event logs, even for informal or recurring events
• Train staff and volunteers on emergency protocols for each event type
• Review General Liability coverage to include the correct number of district sponsored events and/or fundraisers, especially if those events involve alcohol.

In addition to these Liability considerations, districts should  thoroughly review their safety protocols and procedures. A common best practice ahead of an outdoor event is to complete a risk assessment for each activity. First,  research similar activities and events to see what others have had issues with at their events.

Then focus on your on site-specific activities at your own district, asking:

• What are the potential hazards
• What are we currently doing to reduce those hazards
• What additional steps can we take to reduce risk

Creative outdoor events are a hallmark for many of Colorado’s special districts and so is responsible risk management. While fun and unusual activities make events extra special, they also warrant a closer look at coverage, vendor agreements, and safety planning. 

If a district is ever in doubt about the safety of their event or their coverage, contact us at safety@csdpool.org.