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GENERAL LIABILITY

The Accident Medical and General Liability coverages are sold on a package basis only.  A completed application and premium  is required for binding coverage.

Why We Need General Liability Insurance
Waivers

Schedule of Benefits

General Exclusions

Terrorism Insurance

Why We Need General Liability Insurance

Participants - Should a participant’s action or non-action cause an injury or damage to others. The General Liability Insurance will protect all insured parties. Should the participant be injured the Accident Medical Coverage  will respond.

Spectators - Should a spectator be injured or their property damaged a participant, the General Liability policy will provide coverage for all injured parties.

Volunteers - Should a volunteer’s actions or non-action cause an accident or injury. The event organizer, sponsors and municipality may be named in a lawsuit. General Liability coverage will protect them all.

Sponsors - Most sponsors require the team, league or association to provide them General Liability Protection, should they be named in a lawsuit against the team, league or association participant.

Municipalities and Facilities - Most municipalities and other facilities that a team, league or association may use are requiring General Liability Insurance to protect themselves from the cost of legal representation and damages should they be named in a law suit against the team, league or association.  Municipalities and other facilities will require a Certificate of Insurance naming them as additional insured under the Events General Liability Policy.

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Waivers

General Liability Waivers must be completed for every student, non-employee teacher and volunteer of any Group or Group Event.

A General Liability Waiver form allows for "informed consent" by the participant.  It is an effective way to ensure that the Group has acted with due diligence in informing the participant of the potential risks to which he/she may be exposed to while participating in the activity or event.

A waiver allows for a clear indication to the participant that the Group does not assume any responsibility for the risks, dangers and hazards associated with participation in the Group or Event.

A waiver normally included assumption of risks and responsibilities by the participant.

Waivers must be completed by all participants and the Group must keep the completed waivers on file.

To print out the waivers, click on the appropriate links below.

Youth Waiver

Adult Waiver


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Schedule of Benefits 

Carrier Employers Fire Insurance Company
(owned by OneBeacon Insurance) Rated A (Excellent) by AM Best
Coverage
General Aggregate $2,000,000
Products & Completed Ops. Agg $1,000,000
Personal & Advertising Injury $1,000,000
Each Occurrence $1,000,000
Fire Damage (Any One Fire) $100,000
Medical Payments (Any One Person) Excluded
Each Common Cause Limit Aggregate Limit
Participant Liability $1,000,000 $2,000,000
Coverage is afforded only if a limit is shown
Deductibles
Bodily Injury (Each Occurrence) $
Property Damage (Each Occurrence) $
Bodily Injury/Property Damage
(Each Occurrence)
$

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General Exclusions

The Policy does not cover any losses caused in whole or in part by, or resulting in whole or in part from, the following:

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Exclusion - Personal and Advertising Injury Liability-Entertainment Industry; 

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Exclusion - Fireworks with Exception for concussion of effects, flashpots and smokepots;

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Exclusion - Throwing, Kicking or Projecting of Objects or Persons;

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Amendment - Expected or Intended Injury Exclusion - Assault or Battery;

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Exclusion - Communicable Diseases;

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Exclusion - Medical Payments For Volunteer Workers; 

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Limitation Of Coverage To Designated Events;

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Amendment Of Aircraft, Auto Or Watercraft Exclusion - Non-Owned Aircraft;

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Limitation Of Coverage To Designated Products;

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Limited Participant Liability Coverage - Designated Sport of Athletic Contest or Exhibition;

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Limitation - No Stacking of Occurrence Limits of Insurance;

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Recording and Distribution of Material or Information in Violation of Law Exclusion;

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Exclusion - Coverage C Medical Payments;

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Abuse or Molestation Exclusion;

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Employment Related Practices Exclusion;

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Total Pollution Exclusion Endorsement;

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Limited Fungi Or Bacteria Coverage;

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Limited Terrorism Exclusion (Other Than Certified Acts Of Terrorims); Cap of Losses From Certified Acts Of Terrorism;

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Exclusion Of Punitive Damages Related To A Certified Act of Terrorism;

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Exclusion - Designated Activities .

Bungee Jumping Equipment Exotic Animals Firearms
Gymnastics Equipment Hang Gliders Parachutes
Rock Climbing Equipment Hot Air Balloons Tobogans
Rock Climbing Walls Bungee Jumping Trampolines
Skin and Scuba Diving Equipment Rides and Games Adult Sports
Sunbeds or any tanning equipment Equestrian Sports Boxing
Bicycle races or events Gymnastics Hunting
Bicycle Rallies (Including Races) Hang Gliding Luge
Cheerleading Pyramids Parasailing Polo
Hot Air Ballooon Rides Rock Climbing Tobogganing
Professional Sporting Activities Skateboard Parks Trampolines
Rodeos or Roping Events Skin & Scuba Diving Triathlons
Skiing other than Cross Country Sky Diving White Water Rafting
Horses or any other animal used for riding purposes or equestrian events or activities
Mechanical Rides designed for person's to ride in or upon;
Motor racing vehicles including but not limited to cars, boats, all terain vehicles, go karts and snowmobiles
Motorized Sporting Events, Motor Racing including but not limited to; cars, boats, all terrain vehicles or snowmobiles
Tractor Trailer Pulls & Monster Truck Events

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Terrorism Insurance

Under the federal Terrorist Risk Insurance Program Act (TRIP) enacted after 9/11, an act of terrorism is any violent act dangerous or damaging to human life, property, or infrastructure within the United States or to a US air carrier, vessel, or United States mission abroad, committed by an individual or individuals against US civilians or the government.

Under TRIP, the General Liability carrier must include terrorist acts among covered events in their policies.

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The Home School Legal Defense Association (HSLDA) does not assume any of the insurance risk provided by the carriers. HSLDA is not involved in the administration of these plans including premium collection or adjudication of claims.