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This comprehensive policy provides coverage for lawsuits resulting from bodily injury and property damage at ARRL Affiliated Club-sponsored activities. This includes concession stands, dances, banquets, parties, auctions, raffles, picnics and meetings, to name just a few. Coverage would also apply for official Club participation, for instance participating in a community-sponsored event. Plus, in addition to the policy limits described below, this plan also pays the court and legal costs of defense for covered claims.
The plan reimburses expenses for first aid to others at the time of an accident. And, an owner of a premises used or rented by the Club can also be named as an additional insured.
The ARRL Club Liability Insurance policy provides up to $1,000,000 in coverage for each occurrence and up to $2,000,000 in aggregate coverage each year.
There are no deductibles to satisfy prior to receiving benefits.
Each Club interested in this liability insurance can receive a no-obligation premium quotation. Since each Club is so different in the activities it participates in, premiums are determined on an individual basis. However, since ARRL sponsors this plan for the membership, each Club has the advantage of group buying power and all premiums are kept to a minimum - if a Club had to find an individual policy with this type of protection, chances are the costs would be prohibitive. An application for a premium quotation follows.
The Club is insured when named in a covered lawsuit for acts committed by members working for the Club and under its direction.
Officers and members are insured when named in a covered lawsuit as a result of Club activities when they are acting on behalf of the Club.
If your Club typically rents space when it needs to gather for a meeting or special event, you've probably discovered that the owner of the property requires your Club to purchase a "special events" insurance policy, a policy that is typically very expensive to buy or does not protect you fully for the event you've planned.
With the ARRL Club Liability Insurance Plan you don't have to deal with this disappointing aspect of planning. This Plan provides you with the insurance coverage you need to hold your event -- you don't have to apply for a separate policy every time you are in the midst of organizing. This Plan is with you all year long with up to $2,000,000 in coverage.
A liability plan protects you and your Club form the lawsuits that could result if the Club or someone in the Club is accused of negligence that results in bodily injury, property damage, or personal injury.
Any situation which may result in a claim should be reported immediately in writing to:
Administered by:
Marsh Affinity Group Services, a service of Seabury and Smith
ARRL Club Liability Insurance Plan
1440 Renaissance Drive
Park Ridge, Illinois 60068-1400
Questions?
E-mail: PLSDSteam@MarshPM.com
Call Toll-Free: 1-800-503-9227
Recommended by:
The American Radio Relay League, Inc.
Underwritten by:
New Hampshire Insurance Company
The policy is designed to cover the usual and customary activities of your Club. It does, however, exclude unusual events such as carnivals and amusements rides. Claims arising from activities of any participant in any game, contest, race or sporting event, including practice, are also excluded. The policy also includes standard exclusions including claims for war, nuclear, auto, aircraft, watercraft and professional liability. Losses involving property in your care, custody or control are also excluded.
This material explains the general purpose of the insurance but in no way changes or affects the policy that is actually issued. Complete details can be found in the insurance policy.
The ARRL Club Liability Insurance Plan has been organized as a purchasing group (The Associations and Professionals General Liability Purchasing Group), a not-for-profit corporation located and domiciled in the state of Illinois pursuant to legislation enacted by Congress known as the Federal Liability Risk Retention Act of 1986. You will automatically become a member of the Purchasing Group when your completed application has been approved and your payment has been received. (Not applicable in Massachusetts.)
Send any comments or concerns on the ARRL insurance plan to insinfo@arrl.org.
