USA TRIATHLON CLUB INSURANCE 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 $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Risk Management, Inc.

• 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 claimsCost of investigation and defense of claims, even if groundless
• Corporal punishment

Master Policy Limits (Expires 1-1-2006):

• Occurrence Form Policy
• $2,000,000.00 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
  
  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.

Excess General Liability Limits (Occurrence and Aggregate)

An additional $1,000,000.00 of liability coverage is available for $1,200.00
An additional $2,000,000.00 of liability coverage is available for $2,400.00

Participant Accident Protection Program

Who Is Covered
All club member participants, coaches, managers, volunteer workers and staff members of the Policyholder are covered while participating in sponsored and supervised club sponsored activities. A covered person is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored and supervised activity and his or her home or place of residence.

Accidental Death & Dismemberment Benefit If a covered injury results in any of the losses specified below within one year after the date of the accident, the company will pay the applicable amount, up to the principal sum of $10,000.00.

• Full Principal Sum for loss of life
• Full Principal Sum for loss of both hands or both feet
• Full Principal Sum for loss of entire sight of both eyes
• Full Principal Sum for loss of one hand and one foot
• Full Principal Sum for loss of one hand and entire sight of one eye
• Full Principal Sum for loss of one foot and entire sight of one eye
• 50% of the Principal Sum for loss of one hand
• 50% of the Principal Sum for loss of one foot
• 50% of the Principal Sum for loss of sight of one eye
• 25% of the Principal Sum for loss of index finger and thumb of same hand
  

If the Principal sum is payable, no indemnity will be paid for dismemberment. In any event, the double dismemberment indemnity is the maximum amount payable under this benefit for all losses resulting from one accident. 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 sight of the eye. The loss of sight must be irrecoverable by natural, surgical or artificial means. Loss of speech means total, permanent and irrecoverable loss of audible communication. Loss of hearing means total and permanent loss of hearing in both ears which cannot be corrected by any means. Loss of a thumb and index finger means complete severance through or above the metacarpophalangeal joints.

Maximum Medical Expense Benefit
If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 52 weeks, beginning on the date of accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit of $25,000.00. The first such expense must be incurred within 30 days after the date of the accident.

Excess Coverage: This Plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Insured Person.

Medical Expense Deductible
$500.00 Per Injury

Exclusions and Limitations

• Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
• The 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 civil commotion.
• 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 any attempt thereat or any self-inflicted injury.
• Pre-existing conditions or injuries

• Medical service provided by any person or facility employed or retained by the Policyholder or member organization.
• Medical service provided by any member of the Insured Person’s family or household.
• Dental treatment, except as the result of a covered injury.
• 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 two or three wheeled engine driven vehicle.

Summary of Coverage

General Liability Protection Program
$2,000,000.00 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 Afforded by American Alternative Insurance Corporation, “A++” rated by A.M. Best Company.

Participant Accident Protection Program
$25,000.00 Maximum Medical Expense Benefit
$10,000.00 Accidental Death & Dismemberment Benefit
$500 Deductible excess of Participant’s personal medical insurance/
$1,000 Deductible with no personal medical insurance

52 Week Benefit Period, available January 1^st, expiring December 31^st
Excess Coverage

Coverage Afforded by American Sentinel Insurance Company, “A” rated by A.M. Best Company.

Policy Term
Annual Policy Term

Premium Cost and Optional Coverages
No Cost For Additional Insureds (Park Districts, School Districts, etc.)
$6.00 Per Participant ($250.00 Minimum Premium)

Heart or Circulatory System Malfunction Benefit (Multiply Above Accident Premium by 1.15): The policy will include coverage for Eligible Expenses incurred by a Covered Person as a result of heart or circulatory system malfunction which: Is first diagnosed and treated while participating in a Policyholder’s covered Sponsored Activity (or within 24 hours after participation); and The Covered Person has not previously received medical advice, diagnosis and care or treatment, including the use of prescription drugs for such heart or circulatory system malfunction. If the Covered Person suffers loss of life resulting from heart or circulatory system malfunction within 30 days from the date of participation in the Policyholder’s covered Sponsored Activity, a benefit amount is payable as shown under the Principal Sum of the Accidental Death & Dismemberment Benefit.

Sickness Benefit (Multiply Above Accident Premium by 2.35) The policy will include coverage for Eligible Expenses incurred as a result of a sickness which first manifests itself and first requires treatment while participating in a Policyholder’s covered function/activity. As used in this Endorsement: “sickness” means sickness or disease, which begins or for which an expense was incurred while coverage is in force under the Policy for the Covered Person. All related conditions and recurring symptoms of sickness will be considered one sickness. The coverage is subject to the Deductible (if any) applicable to a covered Injury and subject to a $2,500.00 maximum benefit for each sickness.

Click here to apply for a policy now.

USA Triathlon 1365 Garden of the Gods Rd., Suite 250 Colorado Springs, CO 80907

ESIX 1117 Perimeter Center West, Suite N-400 Atlanta, GA 30338 Phone 770-512-5000 Fax 770-512-5050