What is Camp, Clinic & Tournament Insurance?
RPS Bollinger's Camp, Clinic & Tournament Program provides a combination
of Accident and Liability Insurance to cover the typical exposures of these types
of events. Accident Medical Insurance protects participants in case they are injured
during your sponsored activities. General Liability protects you and your organization
in the event of a liability claim or lawsuit arising out of your events.
Carrier
The Insurance provider for this
program is Markel Insurance Company, Glen Allen, VA. Markel is a leading provider
in Sports Insurance programs, and the company is rated "A, X11" by A.M. Best's rating
service.
What Types of Claims are Covered?
Some
of the common claims that occur during camp, clinic or tournament activities are:
- A participant falls while running down the field and breaks a leg. Direct
injuries to participants during your event are covered by the Accident Medical
Insurance plan. This claim would be covered by the policy on an excess basis,
subject to the deductible.
- Coverage Your camp has a free-swim period just before lunch and one of the
participants gets hurt while diving into the pool. The parents claim the injury
was caused by lack of supervision and they sue you and the coach on duty for
negligence. You would be protected for this type of claim under the General
Liability policy.
- During your soccer tournament, a ball is accidentally kicked into the window
of a neighboring home, breaking the window. This claim for property damage would
be covered by the General Liability policy.
- A spectator is walking to the concession stand and slips on the pavement.
The injury requires emergency medical attention, including stitches. This injury
to a spectator who was not a player or participant in your event activities,
would be covered under the Medical Payments portion of the General Liability
policy.
What is not Covered?
Some of the exclusions
under this program are:
- Claims arising out of activities that take place outside the scope of your
event
- Claims caused by sickness or bodily illness
- Claims involving trampolines
- Transportation of participants or players
Claims alleging or involving sexual abuse and molestation. Sexual Abuse Liability
may be purchased based on underwriting approval by RPS Bollinger. Policies including
sexual abuse liability cannot be purchased online.
Policy Limits
| General Liability |
|
| Liability per
occurrence |
$1 million |
| Participant Liability
(incl. in above) |
$1 million |
| Aggregate (per
policy period) |
$3 million |
| Personal Injury
/ Advertising Injury |
$1 million |
| Products / Completed
Operations |
$1 million |
| Fire Legal Liability |
$100,000 |
| Sexual Abuse
& Molestation Liability |
Excluded (unless specially requested
& |
| |
underwritten by RPS Bollinger) |
| Med Pay to Others
(non-participants) |
$5,000 |
| Deductible |
$0 |
| Accident Medical |
|
| Accident Medical
/ Dental |
$100,000 per injury |
| Accidental Death
& Dismemberment |
$5,000 |
| Chiropractic
& Physical Therapy |
$2,000 (up to $50 max per visit) |
| Deductible |
$0 (regardless of primary insurance
that |
| |
may apply) |
| Full excess basis |
|
| 52 week benefit
period |
|
Note: This is a general description of the policy coverages and
does not alter or broaden the actual terms and conditions that apply.
Cost of Coverage
Contact us
for more information
Note: State and local surcharges and taxes may apply to the General
Liability portion of these policies in Florida, Kentucky and New Jersey.
How are Claims Handled?
To contact Bollinger's
Sports Claims department, call toll-free: 866.267.0093.
For Liability Claims, please send an Incident Report to RPS Bollinger
for any serious injuries or property damage that you feel may give rise to a liability
claim or lawsuit. Click
here for an Incident Report. If you receive a lawsuit or legal papers
relating to a liability claim, please forward those directly to:
RPS Bollinger - Sports & Leisure
Attn: Claims Deptartment
PO Box 1322
Morristown, NJ 07960
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