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