Coaches General Liability Protection Program

Who Is Covered

This program provides protection for Registered Coaches of US Figure Skating against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence with a general aggregate amount of $2,000,000.00. There is no deductible amount.

• 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
• Sexual Abuse and Molestation (subject to $100,000 sublimit)

Exclusions
Assault and battery, corporal punishment, fraudulent or dishonest acts, asbestos liability, discrimination, punitive or exemplary damages, employment related practices, professional liability, total pollution, total fireworks and/or pyrotechnics, organic pathogens, war liability, 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.

Coaches Participant Accident Protection Program

Who Is Covered
All coaches, managers, volunteer workers and staff members of the Policyholder are covered while participating in sponsored and supervised athletic activities.

Accidental Death & Dismemberment
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.

• 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 buy 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 90 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.

Exclusions and Limitations
This Plan does not cover any loss to or resulting from:

• 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.

Nor does the Plan cover:

• 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
$2,000,000.00 Products / Complete Operations
$1,000,000.00 Personal and Advertising Injury
$100,000.00 Fire Damage
$100,000 Sexual Abuse and Molestation
$5,000 Medical Expense for Spectators
$-0- Deductible Amount
Occurrence Form Policy

Coverage Afforded by Capitol Specialty 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
$250.00 Deductible Amount
52 Week Benefit Period
Excess Coverage

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

Policy Term
Annual (12 Months)

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