Because the fire hall already has a liability policy for gatherings and the public being on site in the normal course of business to a high dollar figure, we only needed another $300 for that one month "haunt Insurance" and we only needed to do that if there was ducking under things, slides, uneven floors and so on. If patrons walked through upright with no obstructions or obsticals they were still covered. But, I had to have a duck panel, I had to have a bridge over the cemetary, I had to have the understanding that no one would just be walking through upright like a museum tour.
So it is in addition to an existing policy to be properly researched per location by an insurance dude.
Another fabulous post from the U.S.Department of Wild Imaginings, now in spectaclar stereo, sponsored by the Adhesives and Sealants Council, suggesting ways to stick things together since the 1800s. Not fabulous in a gay way. Your results may vary. Illinois residents add 8% sales tax. These posts have been made by professional post makers, do not try this type of posting on your own without extensive training, lovely assistants and a trusty clown horn.