Ice Hockey Insurance

The General Liability Insurance Plan

Protects you in the event of a lawsuit or property damage.
Accident Medical Policy with a $10,000 Benefit required.

Who is covered?
This program provides protection for your camp, coaches and staff members against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence with a general aggregate amount of $1,000,000. There is no deductible amount.

Coverage Includes Suits Arising Out Of:

Injury or death of participants
Injury or death of spectators
Injury or death of volunteers
Property damage liability
Incidental medical malpractice
All activities necessary to conduct of camp activities
Ownership use or maintenance of fields or practice areas
General negligence claims
Cost of investigation and defense of claims, even if groundless

Exclusions & Ineligible Sports/Activities

Fraudulent or dishonest acts, asbestos liability, assault and battery, punitive or exemplary damages, sexual abuse and molestation, employment related practices, professional liability, total pollution, collapse of temporary structure, fireworks and pyrotechnics, nuclear energy liability, use of saunas, sale/manufacturing/distribution of any athletic equipment 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.

Note: There is no liability coverage for claims arising out of any of the following activities: Gymnastics, Cheerleader Pyramiding, Trampolines or Inflatable Devices, Water slides, White Water Rafting, Scuba Diving, Bungee Jumping, Rock Climbing, Repelling, Bicycle Tours, Ballooning, Parachuting, Rodeo, Motor sports or any other Saddle Animal Exposures.

General Liability Premium Rates
Coaches, managers, staff members, officers, directors, and volunteer workers are included in the coverage, but are not charged for. Please check all plan numbers that apply.

$1,000,000 Per Occurrence / $1,000,000 Aggregate

Premium cost per ice hockey camper: $4.25 per participant
Premium to add $1,000,000 hired and non-owned auto liability coverage: $850

The Minimum Premium for Camp/Clinic Liability Coverage is $300.00 annually or $250 for policies with a term of less than 12 months.

Optional hired and non-owned auto liability coverage is not included in the minimum program premiums. Hired and non owned automobile liability coverage is available for an additional $850.00.

Note: Hired and non-owned automobile liability coverage provides liability protection for rented, borrowed, and other non owned vehicles driven on camp or clinic business.

Additional Insureds such as park districts or stadiums can be added for a minimum charge of $10.00. Please list the full names and addresses of all additional insureds on a separate page.

Coverage Not Available in All States Premium Rates and Terms are Subject to Change This brochure highlights the benefits, exclusions & limitations of the program, but is not a contract. For specific contract details, please review the insurance policy.

The Mandatory Accident Medical Plan

Pays the medical bills of an injured participant, staff member or volunteer.

In the past, accident and liability coverage for Sports Camps and Clinics was either too costly, too limited, or not available at all. Individuals were either forced to pay extremely high insurance premiums or to run programs without proper insurance protection, therefore running the risk of personal exposure to lawsuits or a participant's injury claim.

However, now a comprehensive program has been developed to specifically cover the inherent risks involved in running a Sports Camp or Clinic. This Accident and Liability Insurance Program is designed to help eliminate the financial and emotional burden incurred as a result of a lawsuit or participant injury claim.

Who Is Covered
All participants and staff members of the Policyholder are covered while participating in sponsored activities. A member is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored activity and his or her home or place of residence.

Maximum Medical Excess Benefit
If the Insured incurs eligible expenses as the result of a covered injury, the Company will pay charges incurred for such expense within 52 weeks, beginning the date of accident. Payment will be made for eligible expenses not to exceed the Max Medical Expense Benefit of $10,000.00, subject to deductible amount of $100.00. The first such expense must be incurred within 60 days after the date of accident.

Note: A $1,000 sickness benefit applies to all overnight camps.

Accident Medical Expense Limits

$ 10,000 Maximum Medical Benefit
$ 10,000 Accidental Death and Dismemberment Benefit
$ 100 Policy Deductible

Accident Medical Premium Rates

Accident Coverage - $0.19 Per Person Per Day (Day Only Camps and Clinics)
Accident Coverage - $0.33 Per Person Per Day (Overnight Camps and Clinics)

The Minimum Premium for Camp/Clinic Accident Medical Coverage is $100.

Accidental Death & Dismemberment If a covered injury results in any of the losses specified below within one year after the date of the accident, the Company will pay the applicable amount.

Full Principal Sum for loss of life ($10,000)
Full Principal Sum for double dismemberment ($10,000)
50% Principal Sum for loss of one hand, one foot or sight of one eye ($5,000)
25% Principal Sum for loss of index finger and thumb of same hand ($2,500)

If the Principal sum is payable, no indemnity will be paid for dismemberment. In any event, the double dismemberment indemnity is the max amount payable under this Benefit for all losses resulting from one accident.

Exclusions and Limitations

This Plan does not cover any loss to or resulting from:

Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
The use of drugs or narcotics, unless administered under the advice of a physician.
War or any act of war, whether or not declared.
Participation in any riot or civil commotion.
Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline.
Suicide or any attempt thereat or any self-inflicted injury.

Nor does the Plan cover:

Service provided by any person or facility employed or retained by the Policyholder or member organization.
Service provided by any member of the Insured Person's family or household.
Dental treatment, except as the result of a covered injury.
The repair or replacement of any artificial dental restoration.
Expenses payable under any Workers Compensation Law or similar legislation.
Injury sustained while riding in or on any two or three wheeled engine driven vehicle.

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