Breda Dean
Francis L. Dean & Associates
of Florida, LLC
3300 SW 34th Avenue, Suite 120
Ocala, FL 34474
(877) 671-3326 phone
(352) 854-6380 fax
bdean@fdean.com

General Liability Protection Program

Who Is Covered
This program provides protection for 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. Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Capitol Specialty Insurance Corporation, "A" rated by A.M. Best Company.

Coverage Includes Suits Arising Out Of:

• Injury or death of participants
• Injury or death of spectators
• Injury or death of volunteers
• Property damage liability
• 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

Program Limits
Occurrence Form Policy
$2,000,000.00 General Aggregate
$1,000,000.00 Each Occurrence
$2,000,000.00 Products / Completed Operations
$1,000,000.00 Personal & Advertising Injury
$100,000.00 Fire Damage
$5,000.00 Medical Expense
-0- Deductible per Claim

Exclusions
Assault & Battery, Corporal Punishment, Abuse/Molestation, Asbestos, Discrimination, Nuclear Energy, Total Pollution, Total Fireworks/Pyrotechnics, Employment Related Practices, Collapse of Temporary Structure, Lead Liability, Stunt Activity, Use of Trampolines, Cheerleading Pyramids, Use of Saunas or Tanning Devices, Polo, Skin & Scuba Diving, Squash, Snow Skiing, Water Skiing, Whitewater Rafting, Bungee Jumping, Mountain Climbing, Rock Climbing, Motorsports, Rodeo or any Equestrian Related Sports, Waterslides, Ballooning, Parachute Jumping, Luge, Tobogganing, Gymnastics, Punitive Damages, Mechanical Riding Devices.

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 Covered Activities and while traveling, directly and without interruption, to and from any Policyholder sponsored and supervised Covered Activity and their homes or places of residence.

Accidental Death, Dismemberment, Paralysis and Brain Death Benefit
If a Covered Accident results in any of the Covered Losses specified below within one year of the date of the Covered Accident, QBE Insurance Corporation will pay the applicable amount.

• Full Principal Sum for loss of life ($10,000.00)
• Full Principal Sum for loss of both hands or both feet ($10,000.00)
• Full Principal Sum for loss of use of both hands or both feet ($10,000.00)
• Full Principal Sum for loss of entire sight of both eyes ($10,000.00)
• Full Principal Sum for loss of one hand and one foot ($10,000.00)
• Full Principal Sum for loss of one hand and entire sight of one eye ($10,000.00)
• Full Principal Sum for loss of one foot and entire sight of one eye ($10,000.00)
• 50% of the Principal Sum for loss of one hand ($5,000.00)
• 50% of the Principal Sum for loss of one foot ($5,000.00)
• 50% of the Principal Sum for loss of sight of one eye ($5,000.00)

If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, the total of Benefits QBE Insurance Corporation will pay will not exceed the Principal Sum. If a Covered Accident causes the Covered Person's death, the total of all Benefits QBE Insurance Corporation will pay for Accidental Death and any other Covered Losses will not exceed the largest Benefit payable for a Covered Loss.

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 all vision in one eye which is irrecoverable by natural, surgical or artificial means.

Maximum Medical Expense Benefit
If a Covered Person incurs Covered Expenses for treatment of an injury that resulted from a Covered Accident, within 52 weeks of the Covered Accident, QBE Insurance Corporation will pay the applicable amounts, not to exceed the Maximum Accident Medical Expense Benefit of $10,000. The first such Covered Expense must be incurred within 90 days after the date of the Covered Accident.

Excess Coverage: QBE Insurance Corporation will pay Covered Expenses after the Covered Person has satisfied any applicable Deductible, and only when they are in excess of amounts payable by any Other Health Care Plan available to the Covered Person whether or not claim has been made for benefits it provides.

Exclusions and Limitations
This Plan does not cover any loss to or resulting from:

• Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food.
• 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 insurrection.
• 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 self-inflicted injury, or any attempt thereat.
• Medical service provided by any person or facility employed or retained by the Policyholder.
• Medical service provided by any member of the Covered Person's household.
• Dental treatment, except as the result of a Covered Accident.
• 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 off-road motorized vehicle.

Summary of Coverage

General Liability Protection Program
$2,000,000.00 General Aggregate
$1,000,000.00 Each Occurrence
$1,000,000.00 Products / Complete Operations
$1,000,000.00 Personal and Advertising Injury
$300,000.00 Fire Damage
$-0- Deductible Amount
Occurrence Form Policy - Admitted Basis

Coverage is afforded by Capitol Specialty Insurance Corporation, "A" rated by A.M. Best Company.

Participant Accident Protection Program
$10,000.00 Maximum Medical Expense Benefit
$10,000.00 Accidental Death & Dismemberment Benefit
$250.00 Deductible Amount
52 Week Benefit Period
Excess Coverage

Coverage is afforded by QBE Insurance Corporation, "A" rated by A.M. Best Company.

Policy Term
Annual Policy Term

Premium Cost per Club
No Cost For Certificates of Insurance and Additional Insureds (Park Districts, School Districts, etc.)
Disc Golf Clubs with 50 members or Less: $450.00 per year
Disc Golf Clubs with 51 to 100 members: $600.00 per year
Disc Golf Clubs with 101 to 200 members: $1,200.00 per year
Disc Golf Clubs with 201 or more members: Call for quotation

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