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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.
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 ($10,000.00)
- Full
Principal Sum for double dismemberment ($10,000.00)
-
50% of the Principal Sum for loss of one hand, one
foot or sight of one eye ($5,000.00)
-
25% of the Principal Sum for loss of index finger
and thumb of same hand ($2,500.00)
If the Principal sum is payable, no indemnity will be paid for dismemberment. In any event, the double dismemberment indemnity is the maximum amount payable under this Benefit for all losses resulting from one accident.
Maximum
Medical Expense Benefit
If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 52 weeks, beginning on the date of accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit of $10,000.00, subject to a deductible amount of $100.00. The first such expense must be incurred within 60 days after the date of the accident. Dental Injury maximum is $150.00 per tooth, $2,000.00 Aggregate.
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.
- Active duty service in the Armed Forces of any country, not including National Guard or training unless it exceeds 31 days.
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, repair or replacement of any artificial dental restoration.
- Cosmetic surgery, except for reconstructive surgery due to a covered injury.
- Charges which the insured Person would not have to pay if He did not have insurance.
- Eyeglasses, contact lenses, hearing aids.
- Charges, which are in excess of Usual, customary and Reasonable charges
- 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, parachuting except for self-preservation, bungee jumping, flight in an ultralight aircraft, handgliding.
The
Liability Coverage ($1,000,000.00 Coverage)
Protects you in the event of a lawsuit or property
damage
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 $1,000,000.00 per occurrence with a general aggregate amount of $2,000,000.00. 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
- Host
liquor liability (non-profit)
- 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
Additional
Insureds such as park districts or stadiums can be
added for a minimum charge of $10.00.
Exclusions
Abuse or molestation, aircraft, all acts of terrorism, asbestos liability, assault and battery, collapse of temporary structure, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, professional liability, pyrotechnics activity, total pollution, 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.
Note: There is no liability coverage for claims arising out of any of the following activities: All motor sports, ballooning, bungee jumping, cheerleading pyramids, gymnastics, inflatables, luge, mountain climbing, parachuting, polo, rock climbing, rodeo or any equestrian related sports, sale/manufacture or distribution of any athletic equipment, skin diving, SCUBA diving, snow skiing, squash, tobogganing, use of saunas or other tanning devices, use of trampolines, water slides, white water rafting or any saddle animal exposures.
The optional hired and non-owned automobile liability coverage is not available in Illinois, Louisiana or Vermont.
Program Highlights
- Admitted Basis
- Occurrence Form Policy
- “A++” Rated Insuring Company
- Athletic Participant Coverage Included
- Worldwide Coverage for suits brought in the US, US Territories, Canada or Puerto Rico
Premium Rates
Following is the Accident Medical Premium rate:
Accident Medical Policy Premium Rates:
$.19 Per Day Per Person or $.95 Per Week Per Person
$.33 Per Overnight Stay Per Person or $1.65 Per Week per Person
Subject to a minimum policy premium of $200.00. Policy can be issued on a stand-alone basis.
General Liability Policy Premium Rates:
$2.00 Per Person (Day Only Camps and Clinics 3 Days or less)
$2.50 Per Person (Day Only Camps and Clinics 4 Days or more)
$3.75 Per Person (Overnight Camps and Clinics)
Subject to a minimum policy premium of $300.00 and the purchase of a $10,000 Accident Medical Policy.
$1,000,000 Hired and non-owned automobile liability coverage is available for an additional premium of $850.00. Hired and non-owned auto liability coverage provides liability protection for rented, borrowed and other non-owned vehicles driven on league or team business.
This is a summary of coverage and exclusions and is no substitute for reading the entire policy. To receive an entire policy, please contact us. |
