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Insurance in Marysville WA: Your Essential Local Protection Guide

Insurance in Marysville WA: Historic water tower bearing MARYSVILLE, freshly painted

• Auto and Home Insurance in Marysville WA •

Marysville’s property crime rates—particularly auto theft and vandalism—rank above the county average, making it prudent for residents to review their insurance coverage. Given these statistics, homeowners and vehicle owners purchasing insurance in Marysville WA might want to consider lower deductibles to better protect against potential losses.

*Crime data sourced from the Washington State Statistical Analysis Center’s Criminal Justice & Statistics Center (2023), available at https://sac.ofm.wa.gov/data

• Special Event Permits and Insurance in Marysville WA •

Marysville, Washington has specific insurance regulations for special events, ensuring the safety and well-being of its residents and visitors. According to the Marysville Municipal Code (MMC) 5.46.020, any person or entity conducting, promoting, or managing a special event must obtain a special event permit from the city. This permit requirement ensures that events are organized and managed safely and responsibly.

However, MMC 5.46.025 outlines several exceptions to this permit requirement. These exceptions include:

  • City-Sponsored Events: Parades, athletic events, or other special occasions that occur exclusively on city property and are fully sponsored or conducted by the City of Marysville. These events undergo an internal review process.
  • Private Events: Gatherings held entirely on private property that do not impact public property or require city public safety services.
  • Exempt Activities: Funeral and wedding processions on private properties, lawful picketing on sidewalks, block parties on private property without street closures, and the annual Strawberry Festival, governed by MMC Chapter 5.48.
  • Small Gatherings: Groups required by law to assemble and gatherings of 100 or fewer people in a city park, unless merchandise or services are offered for sale.
  • Temporary Sales: Business sales like holiday, grand opening, anniversary, or single-day concession stands.
  • Residential Sales: Garage sales, rummage sales, lemonade stands, and car washes.
  • Government Activities: Activities conducted by governmental agencies within their scope of authority.

Despite these exemptions, MMC 5.46.025(1) emphasizes that exempt events must still comply with all local, state, and federal laws and regulations governing public safety and health.

• Insurance for Utility Work in Public Spaces •

When a special event permit is required, MMC 5.46.020 also mandates insurance requirements. The applicant must obtain comprehensive liability insurance naming the City of Marysville, its officials, officers, employees, and agents as additional insured for the use of streets, public rights-of-way, and publicly owned property, such as parks. The insurance policy should be written on an occurrence basis, providing a minimum coverage of $1,000,000 for individual incidents and $2,000,000 aggregate per event. This insurance ensures protection against claims arising from the event. The policy period should cover at least 24 hours before and after the event, and the city may adjust these requirements based on the event’s risk level.

• Special Event Insurance for the Marysville Opera House •

The historic Marysville Opera House is a popular venue for special events. When renting this venue, a damage deposit is required. The amount is $250 without alcohol (event insurance is necessary for over 100 attendees) or $500 with alcohol (event insurance is required regardless of the number of attendees). This insurance requirement ensures that the city and event organizers are protected against potential liabilities associated with hosting events in this historic and culturally significant location.

• Mobile Food Vendors Insurance •

Mobile food vendors operating on private property in Marysville must provide the city with a Certificate of Public Liability Insurance. This insurance should cover injuries, including those resulting in death, with a minimum coverage of $500,000 for any one occurrence. This requirement ensures that vendors are prepared for potential liabilities that may arise from their operations, protecting both the vendors and the public.

• Recommended Insurance in Marysville WA •

  • Home Insurance: Marysville residents should consider comprehensive home insurance to protect against natural disasters, theft, and other risks.
  • Renter’s Insurance: Renters can safeguard their belongings and obtain liability coverage through renter’s insurance.
  • Business Insurance: Businesses in Marysville may need various insurance policies, including commercial property insurance, workers’ compensation, and professional liability insurance, depending on their industry and specific risks.
  • Health Insurance: While not city-specific, Washington residents should prioritize health insurance coverage through the state’s health insurance marketplace.
  • Auto Insurance: Washington state mandates auto insurance with minimum liability coverage, and Marysville drivers should ensure they meet or exceed these requirements.

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