SKI & SNOWBOARD INSURANCE PROGRAM [ASSP*]
*INCLUDES ALPINE/NORDIC SCHOOLS & CLUBS
GENERAL LIABILITY WITH EXCESS ACCIDENT MEDICAL PROTECTION
Program Description and Details
The ASSP program is tailored to U.S. based Alpine/Downhill Ski & Snowboard Schools and Clubs for youth or adult instruction/training. The coverages provided in the ASSP program include Participant Liability protection for all registered Instructors, Coaches, Students and Staff of the Policyholder on a per instructor basis. No national governing body memberships required. No roster reporting or club member status verification. The liability coverage protects against claims of bodily injury, property damage and the litigation costs to defend against such claims.
This program also includes Excess Accident and Medical Coverage protection for all Registered Instructors and their students while participating in sponsored and supervised insured activities and training.
Depending on your Ski School/Club activities/operations, coverage can include:
- NORDIC/X-COUNTRY/BIATHLON TRAINING & COMPETITION
- ALPINE, FREESTYLE & TELEMARK SKI TRAINING & COMPETITION
- SKI/SNOWBOARD CAMPS
- COLLEGE AND VARSITY SKI TEAMS
- BIG MOUNTAIN SKI/SNOWBOARD PROGRAM
- INVERTED AERIAL INSTRUCTION (USSA CERTIFIED COACH SUPERVISED TRAINING)
STANDARD POLICY COVERAGES, LIMITS & REQUIREMENTS:
General Liability Limits per Ski School/Club
Participant Accident Protection Program
(NO SHARED LIMITS/NO SELF INSURED RETENTION/NO GL DEDUCTIBLE)
Up to $5,000,000 Each Occurrence
Up to $6,000,000 General Aggregate
$1,000,000 Personal & Advertising Injury
$1,000,000 Products – Completed operations aggregate
$300,000 Damage to premises rented to you
$100,000 Abuse and Molestation Aggregate (included in premium)
$50,000 Abuse and Molestation Each Occurrence (included in premium)
$5,000 Medical Expenses (any one person)
Deductible Amount per claim: $0.00
Includes Athletic Participants
Occurrence Form Policy
Includes Premise Coverage (Club House)
Participant Accident Protection Program
(EXCESS ACC MED 100% of ALLOWABLE EXPENSE – NO CO-INSURANCE)
$50,000 Maximum Medical Expense Benefit
$10,000 Accidental Death & Dismemberment Benefit
$2,500 Deductible Amount per claim
No Aggregate Limit of Indemnity for Excess Acc Med
52 Week Benefit Period
Excess Coverage
This insurance program is written on a master policy basis. Each member is named to the master policy on an individual basis with their own liability limits. Coverage is provided up to $5,000,000 per occurrence with a general aggregate amount of $6,000,000. The primary General Liability per occurrence amount is $1,000,000 with a $2,000,000 aggregrate. Excess Liability coverage can be purchased in incremental amounts from $1,000,000 per occurrence up to $4,000,000 per occurrence.
INCLUDED COVERAGES
- INVERTED AERIALS INSTRUCTION (USSA CERTIED COACH SUPERVISED TRAINING)
- DRYLAND TRAINING (INCLUDING SUPERVISED WEIGHT TRAINING)
- ROLLER SKIING
- INVERTED AERIAL WITH AIRBAG TRAINING
- FUNDRAISERS
- PREMISES & OPERATIONS COVEREAGE INCLUDED
- TEMPORARY CLUB PARTICIPANTS ARE COVERED UNDER THIS PROGRAM AS LONG AS THEY ARE SUPERVISED BY A MEMBER COACH
- NO MANDATORY MONTHLY OR ANNUAL REPORTING OF SCHEDULED EVENTS
- NON-SANCTIONED CLUB RACES/FUN RACES
- SPECTATORS ARE COVERED
- NO CTE EXCLUSION OR SUB-LIMIT
- OPERATIONS AT ADDITIONAL VENUE LOCATION (AT A DIFFERENT MOUNTAIN)
- NO ASSOCIATION FEES TO PARTICIPATE IN THE ASSP INSURANCE PROGRAM
- HIRED NON-OWNED AUTOMOBILE COVERAGE IS AVAILABLE
- WORLD WIDE COVERAGE IS AVAILABLE
NO DEDUCTIBLE FOR GENERAL LIABILITY CLAIMS
COVERAGE REQUIREMENTS
Waiver & Release System
The General Liability policy requires that the insured must maintain a system to regularly secure signed Waiver and Release forms from participants. The Waiver/Liability release forms should meet all current paper and or e-waiver state requirements. For minor participants, these waiver/release forms should be signed by a parent or guardian. Unintentional error on your part in securing Waiver and Release forms will not void your coverage in the event of a claim by a participant; however, your failure to maintain an adequate system to regularly secure Waiver and Release forms will void your coverage in the event of a claim. For your protection we recommend having your waiver prepared /approved by your legal council as waivers are state specific.
OPTIONAL ADDITIONAL COVERAGE(S) (TYPICALLY AVAILABLE)
Abuse / Molestation Liability Coverage
Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement Coverage. This endorsement covers the legal cost to defend against the accusation of abuse or molestation against a member of your organization.
$50,000 Per Occurrence / $100,000 Aggregate INCLUDED in program package
Higher Limits Available upon Request for Additional Premium
Coverage Limits: $100,000 Per Occurrence / $500,000 Aggregate
Coverage Limits: $500,000 Per Occurrence / $1,000,000 Aggregate †
Coverage Limits: $1,000,000 Per Occurrence / $1,000,000 Aggregate †
† Background checks required.
Sports Equipment & Facilities Coverage
- Inland Marine/Equipment up to $2,000,000 limit
- Property/Facilities maximum $3,000,000 (excluding HI and AK)
PROGRAM FEATURES
Owners of premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There are no additional premium charges or fees for certificates of insurance evidencing this coverage.
NOTABLE EXCLUTIONS †
War, Terrorism, Assault & Battery, Asbestos, Nuclear Energy, Total Pollution, Fungi or Bacteria, Aircraft or Watercraft, Employment Related Practices, Communicable Diseases, Collapse of Temporary Structure, Lead Liability, Rock Climbing, Road and Mountain Bike Races, Professional Liability, Suits brought outside USA or Canada.
† Standard Exclusions Also Apply