[sac-forum] SAC Insurance

I have talked to the insurance agent. Before I answer the questions posed by the members, I have what to me at least is a bomb shell. The policy listed the club and it's board as the insured. The policy also contains an endorsement for additional insured -Club members. Thus all members of SAC as well as SAC itself are insured.

Now the bad news. Form CG 00 01 12 04 Coverage C Medical payments par 2- Exclusions We will not pay expenses for "bodily injury":
a. ANY INSURED
to any insured except "volunteer workers".

It seems we need the waivers to protect ourselves from club members more than outsiders.

Now to the Questions.

What are we insured against? - We have a commercial general liability policy. This covers us for "At fault"
Limits Each Occurrence $1,000,000
Damage to premises rented to you limit any one premises $100,000
Medical expense limit (Any one person) $10,000
Personal and advertising injury limit $1,000,000
General Aggregate limit (Other than products- completed operations $2,000,000
Products- completed operations Aggregate limit $2,000,000

Who is covered? SAC and its members are covered from guests and members of other astronomy clubs.

When is the policy in effect? For the dates and times specified for an event held by SAC. Travel is not covered, nor is a SAC member covered when attending another organizations event.

How much monetary protection does the policy provide?  - See above

What are the restrictions, conditions for coverage. The are exclusions for Fungi and Bacteria, Liquor liability exclusion, Hostile fire (Flames not gun fire) cap on losses from certified acts of terrorism, Electronic distribution of unsolicited material (separately the WEB page and SAC lists are excluded), nuclear energy liability exclusion and a pollution exclusion.

How are claims submitted? Notify the insurance carrier either verbally or in writing.

What is the insurance company's stance on waivers? The individual I talked to was left of center. It will do no harm and might, if properly administered, do some good.

I will have the policy with me for tonight's board meeting and the general meeting.


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