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DHC
Insurance offers a
comprehensive program
developed to
specifically cover the
inherent risks involved
in running a Sports Camp
or Clinic. This Accident
and Liability Insurance
Program is designed to
help eliminate the
financial and emotional
burden one can incur as
a result of a lawsuit or
participant injury
claim.
The Accident
Coverage ($10,000.00
Benefit)
Pays
the medical bills of
an injured student
or staff member
Who Is Covered
All
participants and
staff members of the
Policyholder are
covered while
participating in
sponsored
activities. A member
is also covered
while traveling,
directly and without
interruption, to and
from any
Policyholder
sponsored activity
and his or her home
or place of
residence.
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
($10,000.00)
-
Full Principal
Sum for double
dismemberment
($10,000.00)
-
50% of the
Principal Sum
for loss of one
hand, one foot
or sight of one
eye ($5,000.00)
-
25% of the
Principal Sum
for loss of
index finger and
thumb of same
hand ($2,500.00)
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.
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
$10,000.00, subject
to a deductible
amount of $100.00.
The first such
expense must be
incurred within 60
days after the date
of the accident.
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:
-
Service provided
by any person or
facility
employed or
retained by the
Policyholder or
member
organization.
-
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.
Note:
A $1,000.00 sickness
benefit applies to
all overnight camps.
The Liability
Coverage
($1,000,000.00
Coverage)
Protects you in the
event of a lawsuit
or property damage
Who Is Covered
This
program provides
protection for your
camp, coaches and
staff members
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
occurence and
$2,000,000 general
aggregate. There is
no deductible
amount.
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 camp
activities
-
Ownership use or
maintenance of
fields or
practice areas
-
General
negligence
claims
-
Cost of
investigation
and defense of
claims, even if
groundless
Additional Insureds
such as park
districts or
stadiums can be
added for a minimum
charge of $10.00.
Exclusions &
Ineligible
Sports/Activities
Fraudulent or
dishonest acts,
asbestos liability,
assault and battery,
punitive or
exemplary damages,
sexual abuse and
molestation,
employment related
practices,
professional
liability, total
pollution, collapse
of temporary
structure, fireworks
and pyrotechnics,
nuclear energy
liability, use of
saunas,
sale/manufacturing/distribution
of any athletic
equipment 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:
Gymnastics,
Cheerleader
Pyramiding,
Trampolines or
Inflatable Devices,
Waterslides, White
Water Rafting, Scuba
Diving, Bungee
Jumping, Rock
Climbing, Repelling,
Bicycle Tours,
Ballooning,
Parachuting, Rodeo,
Motorsports or any
other Saddle Animal
Exposures.
Premium Rates
Following is the
combined Accident
and Liability
premium rate:
-
1
Day Rate for
Accident &
Liability: $2.50
per camper
-
2
Day Rate for
Accident &
Liability: $2.75
per camper
-
3
Day Rate for
Accident &
Liability: $2.75
per camper
-
4+ Days for
Accident &
Liability: $3.50
per Camper
Please note the
minimum premium for
less than one year
is $362.50 and for
an annual policy the
minimum premium is
$415.00.
Coverage is provided
up to $1,000,000 per
occurrence and
$2,000,000 general
aggregate. There is
no deductible
amount.
Hired
and non-owned
automobile liability
coverage is
available for an
additional $850.00..
Note:
Hired and non-owned
automobile liability
coverage provides
liability protection
for rented,
borrowed, and other
non-owned vehicles
driven on camp or
clinic business.
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