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Who Is Covered

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence and $1,000,000 general aggregate (To purchase a $2 million general aggregate limit please increase the liability premium by 5%.) There is a $500.00 deductible for property claims. Coverage is offered through the Sports and Recreation Providers Risk Purchasing Group pursuant to the Federal Risk Retention Act of 1986.

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

• Optional sexual abuse and molestation

• Optional hired and non-owned automobile liability coverage

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

• $100,000.00 Fire Damage

• Optional $100,000.00 Sexual Abuse and Molestation Coverage

• Optional $1,000,000.00 Hired and Non-Owned Automobile Coverage

• $5,000.00 Medical Expense for Spectators

• No Deductible for Bodily Injury Claims

• Includes Coverage for Acts of Terrorism

Exclusions
Assault and battery, corporal punishment, fraudulent or dishonest acts, asbestos liability, punitive or exemplary damages, employment related practices, professional liability, total pollution, fireworks and pyrotechnics, nuclear energy 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: Tackle Football, Ice Hockey, Roller Hockey, Polo, Skin Diving, Boxing, Bungee Jumping, Motor Sports, Waterslides, Mountain Climbing, Skateboarding, Rugby, Gymnastics, Wrestling, Snow Skiing, Water Skiing, White Water Rafting, Mountain Boarding, Snow Boarding, Inline Skating, Water Polo, Ropes Courses, Rock Climbing, Kayaking, Boating, Rodeo or any other Saddle Animal Exposures.

There is no liability coverage for claims arising out of the use of any of the following: Trampolines, Portable Rock Climbing Walls, Inflatables or Tanning Devices.

Participant Accident Protection Program - Part 1

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, Berkley Group will pay the applicable amount.

• Double Principal Sum for quadriplegia ($50,000.00)

• Full Principal Sum for loss of life ($25,000.00)

• Full Principal Sum for paraplegia ($25,000.00)

• Full Principal Sum for hemiplegia ($25,000.00)

• Full Principal Sum for loss of both hands or both feet ($25,000.00)

• Full Principal Sum for loss of use of both hands or both feet ($25,000.00)

• Full Principal Sum for loss of entire sight of both eyes ($25,000.00)

• Full Principal Sum for loss of one hand and one foot ($25,000.00)

• Full Principal Sum for loss of one hand and entire sight of one eye ($25,000.00)

• Full Principal Sum for loss of one foot and entire sight of one eye ($25,000.00)

• Full Principal Sum for loss of speech and hearing in both ears ($25,000.00)

• 50% of the Principal Sum for uniplegia ($12,500.00)

• 50% of the Principal Sum for coma ($12,500.00)

• 50% of the Principal Sum for brain death ($12,500.00)

• 50% of the Principal Sum for loss of one hand ($12,500.00)

• 50% of the Principal Sum for loss of one foot ($12,500.00)

• 50% of the Principal Sum for loss of sight of one eye ($12,500.00)

• 50% of the Principal Sum for loss of speech ($12,500.00)

• 50% of the Principal Sum for loss of hearing in both ears ($12,500.00)

• 50% of the Principal Sum for severance and reattachment of one hand or foot ($12,500.00)

• 25% of the Principal Sum for loss of index finger and thumb of same hand ($6,250.00)

• 25% of the Principal Sum for loss of all four fingers of the same hand ($6,250.00)

• 20% of the Principal Sum for loss of all toes of the same foot ($5,000.00)

• 10% of the Principal Sum for loss of thumb ($2,500.00)

Except for the payment of benefits for Quadraplegia, if the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, the total of Benefits Berkley Group will pay will not exceed the Principal Sum. If a Covered Accident causes the Covered Person�s death, the total of all Benefits Berkley Group 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 Use of a Hand or Foot means total loss of all ability to move the hand or foot, that occurs within 60 days of a covered Accident, continues for 12 months and is expected to continue for the remainder of the Covered Person�s lifetime. Loss of Sight means the total, permanent loss of all vision in one eye which is irrecoverable by natural, surgical or artificial means. Loss of Speech means total and permanent loss of audible communication which is irrecoverable by natural, surgical or artificial means. Loss of Hearing means total and permanent loss of ability to hear any sound in both ears which is irrecoverable by natural, surgical or artificial means. Loss of a Thumb and Index Finger of the Same Hand or Four Fingers of the Same Hand means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). Loss of Toes means complete Severance through the metatarsalphalangeal joint. Quadriplegia means total Paralysis of both upper and both lower limbs. Paraplegia means total Paralysis of both lower limbs or both upper limbs. Hemiplegia means total Paralysis of the upper and lower limbs on one side of the body. Uniplegia means total Paralysis of one upper or one lower limb. Coma means a profound state of unconsciousness which resulted directly and independently from all other causes from a Covered Accident, and from which the Covered Person is not likely to be aroused through powerful stimulation. This condition must be diagnosed and treated regularly by a Physician. Coma does not mean any state of unconsciousness intentionally induced during the course of treatment of a Covered Injury unless the state of unconsciousness results from the administration of anesthesia in preparation for surgical treatment of that Covered Accident.

Participant Accident Protection Program - Part 2

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, Berkley Group will pay the applicable amounts, not to exceed the Maximum Accident Medical Expense Benefit of $50,000. The first such Covered Expense must be incurred within 90 days after the date of the Covered Accident.

Excess Coverage: Berkley Group 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

• $100,000.00 Fire Damage

• $500.00 Deductible Amount for Property Damage Claims

• $-0- Deductible Amount for Bodily Injury Claims

• Occurrence Form Policy

• Non-Admitted Basis

Coverage Afforded by Capitol Specialty Insurance Corporation, 'A+' rated by A.M. Best Company.

Participant Accident Protection Program

• $50,000.00 Maximum Medical Expense Benefit

• $25,000.00 Accidental Death & Dismemberment Benefit

• $50.00 Deductible Amount

• 52 Week Benefit Period

• Excess Coverage

Coverage is afforded by Berkley Group of Companies, 'A+' rated by A.M. Best Company.

Policy Term
Single Event Policy Term

Premium Cost and Optional Coverages
No Charge for Additional Insureds (Park Districts, School Districts, etc.)
$5.00 Per Athlete - Liability
$2.00 Per Athlete - Accident
Minimum Premium is $500.00 Per Event

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 for Sexual Abuse and Molestation is available for an additional premium of $1,250.00. Please Note: If sexual abuse and molestation coverage is purchased, a sub limit of $100,000.00 per occurrence/$100,000.00 aggregate applies.

Hired and non-owned automobile liability coverage with a $1,000,000.00 limit is available for an additional $1,250.00. Hired and non-owned automobile liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on Policyholder business.

An additional $1,000,000.00 of liability coverage is available for $1,250.00.

An additional $2,000,000.00 of liability coverage is available for $2,500.00.

Expanded Medical Benefit (Multiply Above Accident Premium by 1.05): The policy will include coverage for Covered Expenses resulting from conditions (such as blisters, tennis elbow, heat exhaustion, hernia, shin splints, bursitis, stress fractures, chronic soreness or pain, tendonitis, etc.), which are a normal, foreseeable
result of a Covered Activity covered under the terms of the policy.

Heart or Circulatory Conditions Benefit (Multiply Above Accident Premium by 1.05): The policy will include coverage for Covered Expenses incurred by a Covered Person as a result of heart or circulatory conditions that: Occur and manifest themselves while participating in a Covered Activity (or within 24 hours after participation); and The Covered Person has neither received nor been advised to have any medical treatment for the condition. If the Covered Person suffers loss of life resulting from the heart or circulatory condition within 90 days from the date of participation in the Covered Activity, the benefit amount for Loss of Life, as shown under the Accidental Death & Dismemberment Benefit, will be payable.

Pre-existing Injury Benefit (Multiply Above Accident Premium by 1.15) The policy will include coverage for Covered Expenses resulting from re-aggravation of an injury that occurred prior to the effective date of
this policy. In order to be eligible for this coverage, the Covered Person must: Have received a written medical clearance from a Doctor to participate in the Policyholder's Covered Activity; and be participating in
the Policyholder�s Covered Activity when the re-aggravation occurs.

Short-Term Emergency Sickness Benefit (Multiply Above Accident Premium by 1.95) The policy will include coverage for Covered Expenses incurred by a Covered Person as a result of an Emergency Sickness while participating in a Policyholder's short-term Covered Activity. "Emergency Sickness" means an illness or disease diagnosed by a Physician which causes a severe or acute symptom that, if not provided with immediate treatment, would reasonably be expected to result in deterioration of a Covered Person's health or place his life in jeopardy; and which first manifests itself suddenly and unexpectedly while a Covered Person is participating in a Covered Activity.  "Covered Expenses" means charges incurred for treatment of an Emergency Sickness that would have met the definition of Covered Expenses applicable to treatment of injuries sustained in a Covered Accident, had they been incurred for a Covered Accident rather than an Emergency Sickness. Any expenses that are not Covered Expenses under the Accident Medical Benefits section of the policy will not be considered Covered Expenses under the Emergency Sickness Benefit. All related conditions and recurring symptoms of the Emergency Sickness will be considered one sickness. The coverage is subject to the Deductible (if any) and subject to a $2,500.00 maximum benefit for each sickness.

$5,000.00 Maximum Medical Expense Benefit (Multiply Above Accident Premium by 0.65). The policy's maximum medical expense benefit will be reduced from $10,000 to $5,000 per injury. The liability coverage however will not be available as the liability insurance requires that there is an underlying accident medical policy with at least a $10,000 benefit.