I acknowledge that by declining to purchase special event insurance coverage, I already have coverage through my personal insurance company, or that I, the Renter, will take personal responsibility for all claims, costs, damages, judgements, expenses, liabilities, and losses arising from or as a result of any accident, injury, including death, loss, or damage of any kind whatsoever caused to any person or to the property of any person that shall occur on the premises commencing on the Acceptance Date of this Agreement and during the term of the rental.