Katherine M. Wong, CLCS
Assistant Vice President – Internet Business Division

Phone: 213-236-0511
Fax: 213-243-1233

Kwong@heffgroup.com

General Liability Protection Program

Who Is Covered
This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury 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 no deductible amount. Coverage is offered through the Capitol Specialty Insurance Corporation, "A" rated by A.M. Best Company.

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
• Corporal punishment
• Optional non-owned automobile liability

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
$300,000.00 Fire Damage
Optional $1,000,000.00 Non-Owned Automobile
Admitted Basis

Exclusions
Abuse or molestation, aircraft, all acts of terrorism, asbestos liability, assault and battery, collapse of temporary structure, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, professional liability, pyrotechnics activity, total pollution, war 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: All motor sports, ballooning, bungee jumping, cheerleading pyramids, gymnastics, inflatables, luge, mountain climbing, parachuting, polo, rock climbing, rodeo or any equestrian related sports, sale/manufacture or distribution of any athletic equipment, skin diving, SCUBA diving, snow skiing, squash, tobogganing, use of saunas or other tanning devices, use of trampolines, water slides, white water rafting or any saddle animal exposures.

Participant Accident Protection Program

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, StarNet will pay the applicable amount.

• Full Principal Sum for loss of life ($10,000.00)
• Full Principal Sum for loss of both hands or both feet ($10,000.00)
• Full Principal Sum for loss of use of both hands or both feet ($10,000.00)
• Full Principal Sum for loss of entire sight of both eyes ($10,000.00)
• Full Principal Sum for loss of one hand and one foot ($10,000.00)
• Full Principal Sum for loss of one hand and entire sight of one eye ($10,000.00)
• Full Principal Sum for loss of one foot and entire sight of one eye ($10,000.00)
• 50% of the Principal Sum for loss of one hand ($5,000.00)
• 50% of the Principal Sum for loss of one foot ($5,000.00)
• 50% of the Principal Sum for loss of sight of one eye ($5,000.00)

If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, the total of Benefits StarNet will pay will not exceed the Principal Sum. If a Covered Accident causes the Covered Person’s death, the total of all Benefits StarNet 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 Sight means the total, permanent loss of all vision in one eye which is irrecoverable by natural, surgical or artificial means.

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, StarNet will pay the applicable amounts, not to exceed the Maximum Accident Medical Expense Benefit of $10,000. The first such Covered Expense must be incurred within 90 days after the date of the Covered Accident.

Excess Coverage: StarNet 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
$300,000.00 Fire Damage
$-0- Deductible Amount
Occurrence Form Policy – Admitted Basis

Coverage is afforded by Capitol Specialty Insurance Corporation, "A" rated by A.M. Best Company.

Participant Accident Protection Program
$10,000.00 Maximum Medical Expense Benefit
$10,000.00 Accidental Death, Dismemberment, Paralysis and Brain Death Benefit
$250.00 Deductible Amount
52 Week Benefit Period
Excess Coverage

Coverage is afforded by StarNet, "A" rated by A.M. Best Company.

Policy Term
Policy Term To Be Determined

Premium Cost and Optional Coverages
No Cost For Additional Insureds (Park Districts, School Districts, etc.)

$4.20 Per Participant – Liability (Minimum Premium is $300.00)
$1.00 Per Participant – Accident (Minimum Premium is $150.00)
Minimum Total Policy Premium Due is $450
Both policies must be purchased.

Click here to apply for a policy now.