Frequently Asked Questions - Coverages:

General Liability Insurance

Our General Liability Insurance protects your organization against lawsuits that may arise from various incidents, including bodily injury, property damage, personal and advertising injury, and, where applicable, products and completed operations. It provides liability protection for your sponsored and supervised activities.

Examples of claims covered by our General Liability policy include lawsuits filed by injured participants or members, injured spectators, or third parties seeking damages for alleged liability.

Our General Liability policy is written on an occurrence basis, and the cost of defense is provided outside the limits of liability. Additionally, the coverage includes claims by athletic participants.

Accident Medical Insurance

Our Accident Medical coverage serves as excess/secondary insurance, designed to supplement and coordinate with existing primary medical policies. It offers up to 52 weeks (1 year) of benefits on an excess basis. If no primary plan is in place, such as health insurance, this policy can act as primary coverage, subject to the terms and limitations of the accident policy.

For events, only registered participants who sustain an injury caused by an accident during your sponsored and supervised event are eligible for this coverage. Additionally, at the time of application, you have the option to elect this Excess Accident Medical coverage for any non-participant volunteers.

For clubs, only members of your organization who sustain an injury caused by an accident during a club-sponsored and supervised activity are eligible for this coverage. Non-members who are injured during a club activity are not eligible.

However, please note that the Excess Accident Medical policy does not cover sickness or illness. Certain sub-limits may apply for outpatient hospital miscellaneous expenses, physical therapy, and chiropractic treatment.

Accidental Death & Dismemberment

Our Accidental Death & Dismemberment coverage provides protection in the event of accidental death or the loss of limb(s) resulting from participation in an insured event or club activity.

Liquor Liability Insurance:

This type of insurance provides coverage for bodily injury or property damage for which you may be held liable due to:

- Causing or contributing to the intoxication of any person;

- Furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or

- Violating any statute, ordinance, or regulation related to the sale, gift, distribution, or use of alcoholic beverages.

This coverage applies if you are involved in the following activities:

- Manufacturing, selling, or distributing alcoholic beverages;

- Serving or furnishing alcoholic beverages for a charge, whether or not a license is required or for financial gain or livelihood; or

- Serving or furnishing alcoholic beverages without a charge, if a license is required for such activity.

If your organization requires a quote for Liquor Liability Insurance, please contact us for an application.

'Host Liquor' Liability Coverage:

Host Liquor Liability coverage, an exception to the liquor liability exclusion within General Liability policies, provides coverage for certain functions or events that are incidental to the named insured's business and where no fee or donation is charged.

Sexual Abuse Liability Insurance:

Sexual Abuse Liability Insurance is an optional coverage that can be added to a General Liability policy. It is designed to protect an organization from bodily injury claims arising out of abuse, molestation, or exploitation. Depending on the coverage form used, this coverage can also provide defense for an employee or volunteer of the insured who is alleged to be directly involved in a covered act of abuse, molestation, or exploitation until they are proven wrongdoers or legally liable.

Directors & Officers Liability (and Employment Practices Liability) Insurance

Directors & Officers (D&O) Liability Insurance safeguards organizations and their directors and officers from claims arising from negligent acts, omissions, or misleading statements.

Employment Practices Liability Insurance (EPLI) protects organizations and their directors and officers from claims related to wrongful suspension/dismissal, sexual harassment, discrimination, and actions beyond authority.

D&O and EPLI coverage is available for both for-profit and not-for-profit organizations.

This plan offers protection against lawsuits stemming from actual or alleged wrongful acts, errors, and omissions involving the directors and officers of 501c3 Non-Profit Sports Organizations, as well as their employees and volunteers. The policy covers suits brought against the sports organization as an entity, as well as individuals acting in an official capacity on its behalf.