Are all activities covered by the insurance policies?
The General Liability policy covers premises, as well as operations liability. Premises liability means that coverage exists for claims arising on owned or rented property. Operations liability means that coverage exists for any typical event that is held off premises, such as philanthropic activities, dances, and social events. The organization’s policies are very comprehensive and protect that organization and its members. Virtually all sponsored events are covered; however, intentional acts (defined as deliberate intent to harm or break the law) that produce a loss are not covered.
Remember: as long as you are following the policies and/or guidelines of your organization and are acting on behalf of your organization, your interests will be protected by the insurance policy.