Your organization’s General Liability insurance program covers bodily injury, property damage, and personal injury for the following individuals while acting on behalf of the organization:

For the above individuals, the coverage protects against any covered claim—even if that claim is groundless. But keep in mind that this coverage is for general public liability: it isn’t a substitute for accident, health, or medical insurance.

General Liability Trends

Contracts

More and more, our clients come to us with contracts that obligate their organization to coverages their General Liability program can’t meet. Make sure you don’t overextend your organization by getting in touch with us before you sign a contract that includes any of the following requirements:

Our library contains much more information. Check out the planning an event category.

Babysitting Services

Many chapter members contact us to find out whether they can provide babysitting services as a fundraiser or allow chapter members to babysit at the chapter facility.

No chapter should participate in or sponsor any activities related to childcare.

Your General Liability coverage is not designed to address the difficult exposures raised by childcare. The potential for liability is simply far too great.

Riskier Events

Chapter events seem to be growing riskier. Activities like Trampoline-A-Thon, rock climbing, paintball, and slip-and-slides are part of a growing list of dangerous suggestions for chapter events.

With these activities comes a much greater potential for injury. For additional information, please refer to our position paper on the topic.

Watercraft Coverage

Your policy covers liability associated with events held on any watercraft under 55 feet in length. For events held on a watercraft over 55 feet, you may be covered if there’s a crew aboard and you have a contract in place.

Before you decide to hold an event on a watercraft, contact Ruth Akers to make sure you’re covered.

Parental Involvement

Parents continue to get more involved with membership, claims, and other issues, and we’re all for it. We encourage our clients to educate their members’ parents about the insurance program, and we have created two resources to help our clients communicate this information: a sample letter to members’ parents and the Insurance Basics for Members’ Parents webinar.

Liquor Liability

Good risk management means carefully choosing the providers you use for your functions. The first rule? Engage only an establishment that has comprehensive and adequate liability insurance, including liquor liability, when your function includes alcoholic beverages.

A liquor license is much different from Liquor Liability. Make sure you read our position paper on the topic before you sign an agreement with a third-party vendor.

Umbrella: Above-and-beyond coverage.

This policy provides additional limits of liability over and above the limits provided by the underlying General Liability, Non-owned & Hired Automobile Liability, and Employer’s Liability (workers’ compensation) policies.

Please refer to your location-specific Insurance Overview for your organization’s umbrella and excess liability limits.