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Program & Application
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DHC
Insurance offers a
Liability Insurance
Program providing
protection from lawsuits
of bodily injury and/or
property damage.
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
$1,000,000.00 per
occurrence. There
is no deductible amount.
Coverage is offered
through the Sports and
Recreation Providers
Association Purchasing
Group.
Coverage Includes Suits
Arising Out Of:
-
Injury or death of
spectators
-
Injury or death of
participants
-
Injury or death of
volunteers
-
Property damage
liability
-
Incidental medical
malpractice
-
All
activities necessary
to conduct of
training
-
Ownership use or
maintenance of
fields or practice
areas
-
General negligence
claims
-
Cost
of investigation and
defense of claims,
even if groundless
-
Corporal punishment
Exclusions
Claims
made by 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,
gymnastics, luge,
mountain climbing,
parachuting, polo, rodeo
or any equestrian
related sports, 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.
Please
note additional
ineligible activities:
-
Certified High
School / College
Athletic Trainers
-
Coaching of
Competitive
Athletics
-
Instructors Under
the age of 18
-
Instructors based
outside of the U.S.
-
Physical Education
Teachers working
within the school
systems
-
Instruction of
Sports Skill
Activities
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