The Accident Medical
and General Liability coverages are sold
on a package basis only. A completed application and premium is required for
binding coverage.
Why
We Need General Liability Insurance
Waivers
Schedule of
Benefits
General Exclusions
Terrorism Insurance
Why
We Need General Liability Insurance
Participants - Should a participant’s action or non-action cause an injury or damage to
others. The General Liability Insurance will protect all insured parties. Should the
participant be injured the Accident Medical Coverage will
respond.
Spectators - Should a spectator be injured or their property damaged a
participant, the General Liability policy will provide coverage for all injured parties.
Volunteers - Should a volunteer’s actions or non-action cause an accident or injury. The
event organizer, sponsors and municipality may be named in a lawsuit. General Liability
coverage will protect them all.
Sponsors - Most sponsors require the team, league or association to provide them
General Liability Protection, should they be named in a lawsuit against the team, league
or association participant.
Municipalities and Facilities - Most municipalities and other facilities that a
team, league or association may use are requiring General Liability Insurance to protect
themselves from the cost of legal representation and damages should they be
named in a law suit against the team, league or association.
Municipalities and other facilities will require a Certificate of Insurance
naming them as additional insured under the Events General Liability Policy.
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Waivers
General Liability Waivers must be completed
for every participant, coach and volunteer of any team, league or association.
A General Liability Waiver form allows for
"informed consent" by the participant. It is an effective way to
ensure that the Group has acted with due diligence in informing the participant
of the potential risks to which he/she may be exposed to while participating in
the activity or event.
A waiver allows for a clear indication to the
participant that the Group does not assume any responsibility for the risks,
dangers and hazards associated with participation in the Group or Event.
A waiver normally included assumption of risks
and responsibilities by the participant.
Waivers must be completed by all participants
and the Group must keep the completed waivers on file.
To print out the waivers, click on the
appropriate links below.
Youth
Waiver
Adult
Waiver
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Schedule
of Benefits
| Carrier |
|
Employers
Fire Insurance Company |
| (owned by OneBeacon
Insurance) |
|
Rated
A (Excellent) by AM Best |
| Coverage |
|
|
| General
Aggregate |
|
$2,000,000 |
| Products &
Completed Ops. Agg |
|
$1,000,000 |
| Personal &
Advertising Injury |
|
$1,000,000 |
| Each Occurrence |
|
$1,000,000 |
| Fire Damage (Any One
Fire) |
|
$100,000 |
| Medical Payments
(Any One Person) |
|
Excluded |
|
Each
Common Cause Limit |
Aggregate
Limit |
| Participant
Liability |
$1,000,000 |
$2,000,000 |
| Coverage
is afforded only if a limit is shown |
| Deductibles |
|
|
| Bodily Injury (Each
Occurrence) |
|
$ |
| Property Damage
(Each Occurrence) |
|
$ |
Bodily
Injury/Property Damage
(Each Occurrence) |
|
$ |
 |
Exclusion - Personal and Advertising Injury
Liability-Entertainment Industry; |
|
Exclusion -
Fireworks with Exception for concussion of effects, flashpots and smokepots; |
| Exclusion
- Throwing, Kicking or Projecting of Objects or Persons; |
|
Amendment
- Expected or Intended Injury Exclusion - Assault or Battery; |
|
Exclusion
- Communicable Diseases; |
|
Exclusion
- Medical Payments For Volunteer Workers; |
| Limitation
Of Coverage To Designated Events; |
|
Amendment Of Aircraft, Auto Or
Watercraft Exclusion - Non-Owned Aircraft; |
|
Limitation Of Coverage To
Designated Products; |
|
Limited
Participant Liability Coverage - Designated Sport of Athletic Contest or
Exhibition; |
|
Limitation
- No Stacking of Occurrence Limits of Insurance; |
|
Recording
and Distribution of Material or Information in Violation of Law Exclusion; |
|
Exclusion -
Coverage C Medical Payments; |
|
Abuse or
Molestation Exclusion; |
|
Employment Related
Practices Exclusion; |
|
Total Pollution
Exclusion Endorsement; |
|
Limited Fungi Or
Bacteria Coverage; |
|
Limited Terrorism
Exclusion (Other Than Certified Acts Of Terrorims); Cap of Losses From
Certified Acts Of Terrorism; |
|
Exclusion Of
Punitive Damages Related To A Certified Act of Terrorism; |
|
Exclusion -
Designated Activities . |
| Bungee
Jumping Equipment |
|
Exotic Animals |
|
Firearms |
| Gymnastics Equipment |
|
Hang Gliders |
|
Parachutes |
| Rock Climbing Equipment |
|
Hot Air Balloons |
|
Tobogans |
| Rock Climbing Walls |
|
Bungee Jumping |
|
Trampolines |
| Skin and Scuba Diving
Equipment |
|
Rides and Games |
|
Adult Sports |
| Sunbeds or any tanning
equipment |
|
Equestrian Sports |
Boxing |
| Bicycle races or events |
|
Gymnastics |
|
Hunting |
| Bicycle Rallies
(Including Races) |
|
Hang Gliding |
|
Luge |
| Cheerleading Pyramids |
|
Parasailing |
|
Polo |
| Hot Air Ballooon Rides |
|
Rock Climbing |
|
Tobogganing |
| Professional Sporting
Activities |
|
Skateboard Parks |
Trampolines |
| Rodeos or Roping Events |
|
Skin & Scuba
Diving |
Triathlons |
| Skiing other than Cross
Country |
|
Sky Diving |
|
White Water Rafting |
| Horses
or any other animal used for riding purposes or equestrian events or
activities |
| Mechanical
Rides designed for person's to ride in or upon; |
| Motor
racing vehicles including but not limited to cars, boats, all terain
vehicles, go karts and snowmobiles |
| Motorized
Sporting Events, Motor Racing including but not limited to; cars, boats,
all terrain vehicles or snowmobiles |
| Tractor
Trailer Pulls & Monster Truck Events |
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Terrorism
Insurance
Under the federal Terrorist Risk Insurance
Program Act (TRIP) enacted after 9/11, an act of terrorism is any violent act
dangerous or damaging to human life, property, or infrastructure within the
United States or to a US air carrier, vessel, or United States mission abroad,
committed by an individual or individuals against US civilians or the
government.
Under TRIP, the General Liability carrier must
include terrorist acts among covered events in their policies.
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