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Triathlon Insurance Program
Who Is Covered
This 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 occurence and $1,000,000 general aggregate (To purchase a $2 million general aggregate limit please increase the liability premium by 5%.)
There is a
$500.00 deductible for property claims. 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
- Host liquor liability (non-profit)
- 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 hired and non-owned automobile liability coverage
Program Limits
Occurrence Form Policy
- $1,000,000.00 General Aggregate
- $1,000,000.00 Each Occurrence
- $1,000,000.00 Products / Completed Operations
- $1,000,000.00 Personal & Advertising Injury
- $100,000.00 Fire Damage
- Optional $100,000.00 Sexual Abuse and Molestation Coverage
- Optional $1,000,000.00 Hired and Non-Owned Automobile Coverage
- $5,000.00 Medical Expense for Spectators
- No Deductible for Bodily Injury Claims
- Includes Coverage for Acts of Terrorism
Exclusions
Assault and battery, corporal punishment, fraudulent or dishonest acts,
asbestos liability, punitive or exemplary damages, employment related
practices, professional liability, total pollution, fireworks and
pyrotechnics, nuclear energy liability and liability for occurrences prior
to the effective date of coverage. All of the above are subject to the
terms and conditions of the policy.
Note: There is no liability coverage for claims arising out of any of the
following activities: Tackle Football, Ice Hockey, Roller Hockey, Polo,
Skin Diving, Boxing, Bungee Jumping, Motor Sports, Waterslides, Mountain
Climbing, Skateboarding, Rugby, Gymnastics, Wrestling, Snow Skiing, Water
Skiing, White Water Rafting, Mountain Boarding, Snow Boarding, Inline
Skating, Water Polo, Ropes Courses, Rock Climbing, Kayaking, Boating, Rodeo
or any other Saddle Animal Exposures.
There is no liability coverage for claims arising out of the use of any of
the following: Trampolines, Portable Rock Climbing Walls, Inflatables or
Tanning Devices.
Participant Accident Protection Program - Part 1
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, Berkley Group will pay the applicable amount.
- Double Principal Sum for quadriplegia ($50,000.00)
- Full Principal Sum for loss of life ($25,000.00)
- Full Principal Sum for paraplegia ($25,000.00)
- Full Principal Sum for hemiplegia ($25,000.00)
- Full Principal Sum for loss of both hands or both feet ($25,000.00)
- Full Principal Sum for loss of use of both hands or both feet ($25,000.00)
- Full Principal Sum for loss of entire sight of both eyes ($25,000.00)
- Full Principal Sum for loss of one hand and one foot ($25,000.00)
- Full Principal Sum for loss of one hand and entire sight of one eye
($25,000.00)
- Full Principal Sum for loss of one foot and entire sight of one eye
($25,000.00)
- Full Principal Sum for loss of speech and hearing in both ears ($25,000.00)
- 50% of the Principal Sum for uniplegia ($12,500.00)
- 50% of the Principal Sum for coma ($12,500.00)
- 50% of the Principal Sum for brain death ($12,500.00)
- 50% of the Principal Sum for loss of one hand ($12,500.00)
- 50% of the Principal Sum for loss of one foot ($12,500.00)
- 50% of the Principal Sum for loss of sight of one eye ($12,500.00)
- 50% of the Principal Sum for loss of speech ($12,500.00)
- 50% of the Principal Sum for loss of hearing in both ears ($12,500.00)
- 50% of the Principal Sum for severance and reattachment of one hand
or foot
($12,500.00)
- 25% of the Principal Sum for
loss of index finger and thumb
of same
hand
($6,250.00)
- 25% of the Principal Sum for
loss of all four fingers
of the same
hand
($6,250.00)
- 20% of the Principal Sum
for loss of all toes of
the same
foot ($5,000.00)
- 10% of the Principal Sum
for loss of thumb ($2,500.00)
Except for the payment of benefits for Quadraplegia, if the Covered Person
sustains more than one Covered Loss as a result of the same Covered
Accident, the total of Benefits Berkley Group will pay will not exceed the Principal
Sum. If a Covered Accident causes the Covered Person’s death, the total
of
all Benefits Berkley Group 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 Use of a Hand or Foot means total loss of all
ability to move the hand or foot, that occurs within 60 days of a covered
Accident, continues for 12 months and is expected to continue for the
remainder of the Covered Person’s lifetime. Loss of Sight means the total,
permanent loss of all vision in one eye which is irrecoverable by natural,
surgical or artificial means. Loss of Speech means total and permanent loss
of audible communication which is irrecoverable by natural, surgical or
artificial means. Loss of Hearing means total and permanent loss of ability
to hear any sound in both ears which is irrecoverable by natural, surgical
or artificial means. Loss of a Thumb and Index Finger of the Same Hand or
Four Fingers of the Same Hand means complete Severance through or above the
metacarpophalangeal joints of the same hand (the joints between the fingers
and the hand). Loss of Toes means complete Severance through the
metatarsalphalangeal joint. Quadriplegia means total Paralysis of both
upper and both lower limbs. Paraplegia means total Paralysis of both lower
limbs or both upper limbs. Hemiplegia means total Paralysis of the upper
and lower limbs on one side of the body. Uniplegia means total Paralysis of
one upper or one lower limb. Coma means a profound state of unconsciousness
which resulted directly and independently from all other causes from a
Covered Accident, and from which the Covered Person is not likely to be
aroused through powerful stimulation. This condition must be diagnosed and
treated regularly by a Physician. Coma does not mean any state of
unconsciousness intentionally induced during the course of treatment of a
Covered Injury unless the state of unconsciousness results from the
administration of anesthesia in preparation for surgical treatment of that
Covered Accident.
Participant Accident Protection Program - Part 2
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,
Berkley Group will pay the applicable amounts, not to exceed the Maximum Accident
Medical Expense Benefit of $50,000. The first such Covered Expense must be
incurred within 90 days after the date of the Covered Accident.
Excess Coverage: Berkley Group 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
- $1,000,000.00 General Aggregate
- $1,000,000.00 Each Occurrence
- $1,000,000.00 Products / Complete Operations
- $1,000,000.00 Personal and Advertising Injury
- $100,000.00 Fire Damage
- $500.00 Deductible Amount for Property Damage Claims
- $-0- Deductible Amount for Bodily Injury Claims
- Occurrence Form Policy
- Non-Admitted Basis
Coverage Afforded by Capitol Specialty Insurance Corporation, “A+” rated
by
A.M. Best Company.
Participant Accident Protection Program
- $50,000.00 Maximum Medical Expense Benefit
- $25,000.00 Accidental Death & Dismemberment
Benefit
- $50.00 Deductible Amount
- 52 Week Benefit Period
- Excess Coverage
Coverage is afforded by Berkley Group of Companies, “A+” rated
by A.M. Best
Company.
Policy Term
Single Event Policy Term
Premium Cost and Optional Coverages
No Charge for Additional Insureds (Park Districts, School Districts, etc.)
$5.00 Per Athlete - Liability
$2.00 Per Athlete - Accident
Minimum Premium is $500.00 Per Event
Coverage is provided up to $1,000,000 per occurence and $1,000,000 general aggregate (To purchase a $2 million general aggregate limit please increase the liability premium by 5%.) There is no deductible amount.
Coverage for Sexual Abuse and Molestation is available for an additional
premium of $1,250.00. Please Note: If sexual abuse and molestation coverage is purchased, a sub
limit of $100,000.00 per occurrence/$100,000.00 aggregate applies.
Hired and non-owned automobile liability coverage with a $1,000,000.00 limit
is available for an additional $1,250.00. Hired and non-owned automobile
liability coverage provides protection for rented, borrowed and other
non-owned vehicles driven on Policyholder business.
An additional $1,000,000.00 of liability coverage is available for
$1,250.00.
An additional $2,000,000.00 of liability coverage is available for
$2,500.00.
Expanded Medical Benefit (Multiply Above Accident Premium
by 1.05): The policy will include coverage for
Covered Expenses resulting from conditions (such as blisters, tennis elbow,
heat exhaustion, hernia, shin splints,
bursitis, stress fractures, chronic soreness or pain, tendonitis, etc.),
which are a normal, foreseeable
result of a Covered Activity covered under the terms of the policy.
Heart or Circulatory Conditions Benefit (Multiply Above Accident Premium by
1.05): The policy will include coverage for Covered Expenses incurred by
a
Covered Person as a result of heart or circulatory conditions that: Occur
and manifest themselves while participating in a Covered Activity (or within
24 hours after participation); and The Covered Person has neither received
nor been advised to have any medical treatment for the condition. If the
Covered Person suffers loss of life resulting from the heart or circulatory
condition within 90 days from the date of participation in the Covered
Activity, the benefit amount for Loss of Life, as shown under the Accidental
Death & Dismemberment Benefit, will be payable.
Pre-existing Injury Benefit (Multiply Above Accident Premium by 1.15) The
policy will include coverage for Covered Expenses resulting from
re-aggravation of an injury that occurred prior to the effective date of
this policy. In order to be eligible for this coverage, the Covered Person
must: Have received a written medical clearance from a Doctor to
participate in the Policyholder’s Covered Activity; and be participating
in
the Policyholder’s Covered Activity when the re-aggravation occurs.
Short-Term Emergency Sickness Benefit (Multiply Above Accident Premium by
1.95) The policy will include coverage for Covered Expenses incurred by a
Covered Person as a result of an Emergency Sickness while participating in
a
Policyholder’s short-term Covered Activity. “ Emergency Sickness” means
an
illness or disease diagnosed by a Physician which causes a severe or acute
symptom that, if not provided with immediate treatment, would reasonably be
expected to result in deterioration of a Covered Person’s health or place
his life in jeopardy; and which first manifests itself suddenly and
unexpectedly while a Covered Person is participating in a Covered Activity.“
Covered Expenses” means charges incurred for treatment of an Emergency
Sickness that would have met the definition of Covered Expenses applicable
to treatment of injuries sustained in a Covered Accident, had they been
incurred for a Covered Accident rather than an Emergency Sickness. Any
expenses that are not Covered Expenses under the Accident Medical Benefits
section of the policy will not be considered Covered Expenses under the
Emergency Sickness Benefit. All related conditions and recurring symptoms
of the Emergency Sickness will be considered one sickness. The coverage is
subject to the Deductible (if any) and subject to a $2,500.00 maximum
benefit for each sickness.
$5,000.00 Maximum Medical Expense Benefit (Multiply Above Accident Premium
by 0.65). The policy’s maximum medical expense benefit will be reduced
from $10,000 to $5,000 per injury. The liability coverage however will not
be available as the liability insurance requires that there is an underlying
accident medical policy with at least a $10,000 benefit.
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