This program is designed for U.S.-based clubs and or groups conducting youth or adult non-sport activities. Coverage provided includes important liability protection for the organization, including its employees and volunteers, for liability claims arising out of its operations. For those clubs or groups specifically reported to and approved by the company, covered operations consist of your scheduled, sanctioned, organized and supervised activities in which your members participate and that are directly related to the specific common interest or goal for which the club or group is formed. Coverage is also provided for member activities such as meetings, registrations, parades in which the insured participates, picnics, banquets and ceremonies. Coverage for activities not related directly to the club's common interest must be pre-reported and approved.
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| Eligible Operations |
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| - | Amateur youth robotic or STEM clubs (grades 8 and | - | Game or card (non-gambling) |
| | below only) | - | Garden |
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Art |
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Genealogy |
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Bird watching |
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History |
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Book |
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Model train or model car clubs |
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Calligraphy |
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Needlework |
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Collector |
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Peer support groups (no professional or licensed facilitators) |
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Computers |
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Puppetry |
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Cooking |
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Scrap booking |
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Craft making |
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Cultural |
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| Coverages Available & Program Highlights: |
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| General Liability |
Optional Coverages Available |
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Products-completed operations Aggregate |
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Equipment & Contents (Inland Marine) |
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Personal & Advertising Injury |
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Abuse, Molestation or Exploitation |
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$1,000,000 Damage to Premises Rented to You |
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Defense Cost Reimbursement Coverage |
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Hired Auto and Employers' Nonownership Liability |
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Sexual Abuse or Sexual Molestation Liability |
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(not provided for clubs located in IL, LA, UT, VT & WI) |
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Bodily Liability to Participants |
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$5,000 Medical Expense (other than members/participants) |
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Medical Payments for Participants (excess) - $100 deductible |
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Professional Liability |
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Risks Not Eligible Under This Program: (Including but not limit to) |
| The following operations are not eligible for this program. (Please note, this is not a complete listing of ineligible operations.) |
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Acrobatic or circus performing programs |
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Instruction in first aid, CPR, or life-saving/life guarding |
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Addiction support groups |
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Nutritional and weight loss programs |
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Boys or girls clubs |
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Political activist and/or governmental groups |
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Boy scouts or girl scouts |
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Programs dedicated to discipline, rehabilitation or
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Country Clubs |
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behavior modification |
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Dating clubs, programs or organizations |
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Programs or activities involving animals |
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Day care or adult before and/or after school care operations, |
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Programs or activities that involve weapons or firearms |
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latch key programs, babysitting or childcare clubs |
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School accredited classes, programs or clubs
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or programs |
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Senior centers |
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Faith based or religious studies |
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Sports teams, leagues or associations or sporting |
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Fitness clubs |
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events/activities
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Fraternities or sororities |
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Vehicle owner clubs |
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Groups under the direction of a professional counselor |
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Veterans or military organizations (e.g.: American |
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or therapist |
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Legion, Elks, Moose, Knights of Columbus)
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Historical battle re-enactment groups |
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Wine/beer/alcohol clubs
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Homeowners Associations |
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Notable Exclusions |
| The following represent only some of the exclusions contained in this policy. |
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Abuse, molestation or exploitation |
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Gambling activities or events |
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All operations listed as ineligible |
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Haunted attractions |
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Amusement devices (e.g.: rides, slides, inflatables, bungees |
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Hiking on ungroomed trails or orienteering |
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climbing walls, dunk tanks) |
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In or on water activities |
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Any events or activities involving or promoting tobacco |
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Operation, ownership or management of any |
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or cannabis |
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facility or premises, other than while being used |
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Asbestos |
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for covered activities |
| - | Communicable Diseases | - | Outside concessionaires and vendors in conjunction |
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| Cyber incident, data compromise and violation of statutes
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related to personal data
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Room and board liability/camping liability
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Employment-related practices |
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Sexually transmitted diseases
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Events where the insured is required to hold a liquor |
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The use of power tools, unmanned aircrafts and combustion |
| license or permit | - | Transportation of members/participants |
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| Events or activities hosted, sponsored or organized by the | |
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| insured that are open to the public
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| - | Fireworks
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| - | Gambling activities or events
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| Preliminary Underwriting Information Required |
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Applications |
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Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and |
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payment |