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  Glossary | Buy On-line


NOW AVAILABLE - Buy Coverage On-line! Liability limits of $1,000,000 to $5,000,000 (per occurrence) are available online.

This program has been designed for U.S.-based clubs and or groups conducting youth or adult non-sport activities. Coverage provided includes important liability protection for the organization, including its employees and volunteers, for liability claims arising out of its operations. For those clubs or groups specifically reported to and approved by the company, covered operations consist of your scheduled, sanctioned, organized and supervised activities in which your members participate and that are directly related to the specific common interest or goal for which the club or group is formed. Coverage is also provided for member activities such as meetings, registrations, parades in which you participate, picnics, banquets and ceremonies. Coverage for activities not related directly to the club's common interest must be pre-reported and approved.



Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.


Eligible Operations
- Art - Cultural
- Bird watching - Game or card (non-gambling)
- Book - Garden
- Calligraphy - Genealogy
- Collector - History
- Computers - Needlework
- Cooking - Puppetry
- Craft making - Scrap booking
Coverages Available & Program Highlights:    
General Liability Optional Coverages Available
- Products-completed operations Aggregate - Equipment & Contents (Inland Marine)
- Personal & Advertising Injury - Abuse, Molestation, Harassment or Sexual Conduct
- $300,000 Damage to Premises Rented to You Defense Cost Reimbursement Coverage
- Hired Auto and Employers' Nonownership Liability - Directors' & Officers' Liability including Employment
(not provided while in Hawaii) Practices Liability
- Legal Liability to Participants -Sexual Abuse or Sexual Molestation Liability
- $5,000 Medical Expense (other than members/participants)
- Medical Payments for Participants (excess) - $100 deductible
- Professional Liability
Risks Not Eligible Under This Program: (Including but not limit to)
 The following operations are not eligible for this program. (Please note, this is not a complete listing of ineligible operations.)
- Acrobatic or circus performing programs - Nutritional and weight loss programs
- Addiction or illness support groups - Political activist and/or governmental groups
- Boys or girls clubs - Programs dedicated to discipline, rehabilitation or
- Boy scouts or girl scouts behavior modification
- Country Clubs -Programs or activities involving animals
- Dating Club, programs or organizations - Programs or activities that involve weapons or firearms
- Day care or adult before and/or after school care operations - School accredited classes, programs or clubs
latch key programs, babysitting or childcare clubs - Senior centers
or programs - Sports teams, leagues or associations or sporting
-Faith based or religious studiesevents/activities
- Fitness clubs -Vehicle owner clubs
- Fraternities or sororities -Veterans or military organizations (e.g.: American
- Groups under the direction of a professional counselor Legion, Elks, Moose, Knights of Columbus)
or therapist -Wine/beer/alcohol clubs
- Historical battle re-enactment groups
- Instruction in first aid, CPR, or life-saving/life guarding
Notable Exclusions
 The following represent only some of the exclusions contained in this policy.
- Abuse, molestation, harassment or sexual conduct - Fireworks
- All operations listed as ineligible - Gambling activities or events
- Amusement devices (e.g.: rides, slides, inflatables, bungees - Haunted attractions
climbing walls, dunk tanks) - Hiking on ungroomed trails or orienteering
- Asbestos -In or on water activities
- Employment-related practices - Operation, ownership or management of any
- Events where the insured is required to hold a liquor facility or premises, other than while being used
license or permit for covered activities
- Events or activities hosted, sponsored or organized by the - Outside concessionaires and vendors in conjunction
insured that are open to the public with your organization
​-​Transportation of members/participants
Preliminary Underwriting Information Required
- Applications
- Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and