General Liability Coverage

$1,000,000 Coverage

Limits

Our General Liability and Professional Liability coverages are separate limits. A claim under one coverage part will not reduce the coverage available for the other coverage.

General Liability Coverage starting at $1,000,000/$1,000,000 limits

Professional Liability Coverage at $1,000,000/$1,000,000 limits

Exclusions

Exclusions Exclusions include but are not limited to the following: 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. Please note: the following are ineligible for coverage and will be excluded under the policy: MMA Style & Boxing Competitions, Use of Live Edge Weapons, Mechanical Bucking Devices (Including Multi Ride Attachments), Inflatable Devices such as Jump Castles, Zip Lines, Rock Climbing Structures and All Terrain Vehicles.

Please Note: this page has been designed to illustrate the highlights of this program but is not a contract. Some exclusions and coverages may be modified to meet individual state requirements. For specific details, please request a sample policy

Who is Covered?

This $1,000,000 occurrence form general liability program provides protection the policyholder 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 spectators

• Injury or death of volunteers

• Property damage liability

• Host liquor liability (non-profit)

• Activities necessary or incidental to conduct of activities

• Ownership, use, or maintenance of fields or practice areas

• General negligence claims

• Cost of investigation and defense of claims

• Professional liability (involves specialized education, knowledge, labor, judgement and skill that is predominately mental or intellectual).