[01/13/2010] Information on Liability Insurance.
Unit Directors,
The following information provides one venue for securing the type and amount of liability insurance required for participation with the OIPA. Many different insurance companies, including The Boy Scouts of America offer programs/policies that will also meet these requirements, but this company seems to be willing to specialize in the type of policy that we as unit directors need to ensure the safety and compliance of our groups.
Note: Scholastic groups should be able to secure proof of insurance simply by requesting a copy of the school's certificate of liability from the administrative offices of thier school.
The company's name is Heffernan Insurance Brokers. The individual to contact at the company is Katherine Wong
Phone: 213-236-0511
Fax: 213-243-1233
Kwong@heffgroup.com
Summary of Coverage
General Liability Protection Program
$2,000,000.00 General Aggregate Limit
$2,000,000.00 Products - Completed Operations Aggregate Limit
$1,000,000.00 Personal and Advertising Injury
$1,000,000.00 Each Occurrence Limit
$100,000.00 Fire Damage-Any One Fire
$5,000.00 Medical Expense Limit
$0.00 Property Damage Deductible Each Claim
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.
Coverage will become effective the date the enrollment form is received by the Company along with the applicable premium payment. Payment through VISA,Mastercard or American Express is required at time of enrollment. Your liability certificate and any applicable additional insureds will be e-mailed back to the indicated e-mail address.
The website can be found at http://www.fdeanca.com/winterguard_international/index.html at the bottom of the page you will find a like that allows you to begin the application process.
The cost is only about $5 per member, but with a minimum of $450, so for most of us that means $450.
Looking forward to a great year!
Jonathan Lischak
OIPA Secretary