Why Liability Insurance?
Because no matter how careful you are, accidents happen. And you can be sued by anyone who claims injury or damages resulting from your activities. You may not be liable, but you will need to be defended in court. A liability policy will pay for this defence as well as any costs awarded against you. In short, liability insurance gives you peace of mind.
Who is Insured?
All members of your organization, including executives, managers, coaches, trainers, officials, employees and volunteers while acting within the scope of their duties on your behalf.
Sanctioned or authorized events within your sport discipline, including related training authorized by you.
Loss Prevention Advice
Is available on nation-wide basis including video presentations and seminars.
Is available on a national basis from specialists who have a wide range of services at their disposal.
Summary of program
The policy will pay those sums that the insured becomes legally obligated to pay as compensatory damages because of bodily injury to or damage to property of others, such as spectators, passers-by, property owners resulting from your operations or actions. Coverage includes your legal liability for injury to participants.
Summary of coverage
Limit - $1,000,000 to $5,000,000, as negotiated
Including the following extensions:
- Premises, Property and Operations
- Products and Completed Operations
- Blanket Contractual
- Personal Injury (libel and slander)
- Employees as Additional Insured
- Cross Liability
- Non-Owned Automobile (in most cases)
- Tenants Legal Liability
A deductible of $500 (or as negotiated) applies to bodily injury, property damage and legal expenses.
Directors and Officers Insurance
Directors and officers may be sued for actual or alleged errors or omissions while performing their duties as officials of the organization. D&O insurance will pay those sums the organization, directors and officers become legally obligated to pay as compensatory damages because of a wrongful act.
Limit $1,000,000 to $5,000,000, as negotiated
Deductible $500 (or as negotiated)
The description of coverage contained herein is not complete, and reference must be made to the actual terms and conditions of the applicable policy forms.