Francis L. Dean & Associates is proud to announce an insurance solution designed especially to cover the inherent risks involved for schools, park districts, coaches, directors as well as the participants of today’s conferences, sports camps and clinics. Accident and liability insurance coverage is offered as a standard product with optional coverage also available such as equipment, hired and non-owned automobile, and additional higher liability insurance limits.
Starting at $388. Because of our status as the national leaders in sports insurance, we’re able to offer the lowest rates.
Easy. Getting insured is as easy as an easy to use web form. You can receive your certificate almost instantaneously after payment.
Quality support. Our customer support staff are always professional, and always ready to help.
The Leader in Sports, Leisure & Entertainment Insurance – it’s who we are. Francis L. Dean & Associates is a national underwriting facility specializing in Sports, Leisure and Entertainment Insurance.
CONTACT US
(239) 990-8161
BJ@FDEAN.COM
Coverage Overview
Accident Coverage
$10,000.00 Benefit
Pays the medical bills of an injured student or staff member
Medical Expense Benefit
If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of accident. Payment will be made for eligible expenses in excess of the applicable $100.00 Deductible Amount, not to exceed the Maximum Medical Benefit.
The first such expense must be incurred within 90 days after the date of the accident.
“Eligible expense” means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.
• Medical and surgical care by a
physician
• Radiology (X-rays)
• Prescription drugs and medicines
• Dental treatment of sound natural
teeth
• Hospital care and service in
semiprivate accommodations, or as an
outpatient
• Ambulance service from the scene of
the accident to the nearest hospital
• Orthopedic appliances necessary to
promote healing
Excess coverage: This plan does not cover treatment or service for which
benefits are payable or service is available under any other insurance or
medical service plan available to the Covered Person.
Accidental Death and Dismemberment Benefit
Benefit amount is $2,500.00. If a covered
injury results in any of the losses
specified below within 365 days after
the date of the accident, the Company
will pay the applicable amount:
• Full Principal Sum for loss of life
• Full Principal Sum for double dismemberment
• Full Principal Sum for loss of sight of both eyes
• 50% of the Principal Sum for loss of one hand, one foot, or sight of one eye
• 25% of the Principal Sum for loss of index finger and thumb of same hand “Member” means hand, foot, or eye.
Loss of hand or foot means complete severance above the wrist or ankle joint.
Loss of eye means the total, permanent loss of sight.
We will not pay more than the Principal Sum for this Benefit for all losses due to the same accident.
Liability Coverage
$1,000,000 Coverage
Protects you in the event of a lawsuit or property damage
Who Is Covered
This $1,000,000.00 occurrence form general liability program provides protection for your Camp, Clinic or Conference’s owners, directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.
Coverage includes suits arising out of:
• Injury or death of participants
• Injury or death of spectators
• Injury or death of volunteers
• Property damage liability
• Host liquor liability (nonprofit)
• General negligence claims
• All activities necessary or incidental to
conduct of activities
• Cost of investigation and defense of
claims, even if groundless
• Ownership, use, or maintenance of
gyms, fields, or practice areas
Standard additional insureds such
as school districts or venues may be
added at no additional charge.
Exclusions
Abuse or molestation (unless optional coverage is selected), aircraft, all acts of terrorism, asbestos liability, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy. This program is not available for surfing activities, ice hockey, lacrosse, rugby or tackle football camps and clinics.