Special Event General Liability Protection Program
Who Is Covered
The Francis L. Dean & Associates, LLC Special Event General Liability program provides protection for the Policyholder 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 $2,000,000. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Risk 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
- Incidental medical malpractice
- All activities necessary to conduct of practices and games
- Ownership use or maintenance of fields or practice areas
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
- Optional sexual abuse and molestation
- Optional non-owned and hired automobile liability coverage
Program Limits
Occurrence Form Policy
$2,000,000 General Aggregate
$1,000,000 Each Occurrence
$2,000,000 Products / Completed Operations
$1,000,000 Personal & Advertising Injury
$300,000 Fire Damage
Optional $100,000 Sexual Abuse and Molestation Coverage
Optional $1,000,000 Non-Owned and Hired Automobile Coverage
$5,000 Medical Expense for Spectators
$-0- Deductible
Program Pricing
Please note that a $10.00 Credit Card Processing Fee will be added to all orders. Credit Card Fee does not apply in FL.
Exclusions
Access or Disclosure of Confidential or Personal Information and data-Related Liability – With Limited Bodily Injury Exception, Coverage C – Medical Payments, Employment Related Practices Exclusion, Fungi or Bacteria, Exclusion of Other Acts of Terrorism Committed Outside the United States; CAP on Losses from Certified Acts of Terrorism, Exclusion of Punitive Damages Related to Terrorism, Liability Arising Out of Lead, Silica or Related Dust Exclusion, Nuclear, Biological, or Chemical Exclusion, Failure to Provide Waiver and Release Sublimit, Exclusion – Organic Pathogens. All of the above are subject to the terms and conditions of the policy.
Suicide, self-destruction, attempted self-destruction or intentional self-inflicted injury while sane or insane. War or any act of war, declared or undeclared. Sickness, disease or any bacterial infection, except one that results from an accidental cut or wound or pyogenic infections that result from accidental ingestion of contaminated substances. Voluntarily taking any drug or narcotic unless the drug or narcotic is prescribed by a Physician. Covered Expenses for which the Covered Person would not be responsible in the absence of this Policy. Injuries paid under Workers' Compensation, Employer's liability laws or similar occupational benefits or while engaging in activity for monetary gain from sources other than the Policyholder. Injury caused by, contributed to or resulting from the Covered Person's use of alcohol, illegal drugs or medicines that are not taken in the dosage or for the purpose as prescribed by the Covered Person's Physician. Service or Active Duty in the armed forces, National Guard, military, naval or air service or organized reserve corps of any country or international organization. Services or treatment rendered by a Physician, Nurse or any other person who is employed or retained by the policyholder; or an Immediate Family member of the Covered Person. Treatment of a hernia, Osgood-Schlatter's disease, osteochondritis, appendicitis, osteomyelitis, cardiac disease or conditions, pathological fractures, congenital weakness, whether or not caused by a Covered Accident. Damage to or loss of dentures or bridges or damage to existing orthodontic equipment, except as specifically provided in this Policy. Eyeglasses, contact lenses, hearing aids. Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from: While riding as a passenger in any aircraft not intended or licensed for the transportation of passengers.
Horse Vaulting/Jumping, Trick/Stunt Riding, Equine Racing Exposures, Leasing of Horses, Inflatable Amusement Devices, Corn Cannon, Jumping Pillow, Pumpkin Launching Devices, Carnival Rides, Knockerball/Bubble Soccer, Bungee Devices, Fireworks Sales & Displays, Mechanical Bucking Devices: including Multi Ride Attachments, Permanent & Mobile Rock Wall Structures, Rock Climbing, Security Services Other Than Contracted Law Enforcement Officers, Trampolines, Zip Lines, Ropes Course, Tackle Football, Surfing, Zippy Pets, White Water Rafting, Water Skiing, ATV/UTV, Trackless Trains, Participants of Aerial Activities.
Participant Accident Protection Program
Who Is Covered
All participants, volunteer workers and staff members of the Policyholder are covered while participating in sponsored and supervised activities. A covered person is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored and supervised 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
- Full Principal Sum for loss of both hands or both feet
- Full Principal Sum for loss of entire sight of both eyes
- Full Principal Sum for loss of one hand and one foot
- Full Principal Sum for loss of one hand and entire sight of one eye
- Full Principal Sum for loss of one foot and entire sight of one eye
- 50% of the Principal Sum for loss of one hand
- 50% of the Principal Sum for loss of one foot
- 50% of the Principal Sum for loss of sight of one eye
- 25% of the Principal Sum for loss of index finger and thumb of same hand
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. Loss of a hand or foot means complete severance through or above the wrist or ankle joint. Loss of sight means the total, permanent loss of sight of the eye. The loss of sight must be irrecoverable buy natural, surgical or artificial means. Loss of speech means total, permanent and irrecoverable loss of audible communication. Loss of hearing means total and permanent loss of hearing in both ears which cannot be corrected by any means. Loss of a thumb and index finger means complete severance through or above the metacarpophalangeal joints.
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 . The first such expense must be incurred within 90 days after the date of the accident.
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 Insured Person.
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:
- Medical service provided by any person or facility employed or retained by the Policyholder or member organization.
- Medical 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.
Note: Accident Coverage is only available for Class 5 - Sporting Events.
Summary of Coverage
General Liability Protection Program
$2,000,000 General Aggregate
$1,000,000 Each Occurrence
$2,000,000 Products / Complete Operations
$1,000,000 Personal and Advertising Injury
$5,000 Medical Expense for Spectators
$300,000 Fire Damage
$-0- Deductible Amount for Property Damage Claims
$-0- Deductible Amount for Bodily Injury Claims
Occurrence Form Policy
Admitted Basis
Coverage Afforded by: United States Fire Insurance Co. (Admitted) (A Excellent XIII A.M. Best)
Participant Accident Protection Program
$25,000 Maximum Medical Expense Benefit
$10,000 Accidental Death & Dismemberment Benefit
$250 Deductible Amount
52 Week Benefit Period
Excess Coverage
Coverage Afforded by: United States Fire Insurance Co. (Admitted) (A Excellent XIII A.M. Best)
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