GENERAL LIABILITY INSURANCE PLAN DESCRIPTION

Who is Covered?

The following are covered as named insureds under the General Liability policy: US Lacrosse, Inc; all currently registered member players, coaches and officials; directors and officers of US Lacrosse; its member chapters, member leagues and member teams; and those covered as Non-Members under the program while participating in a Covered Activity, for whom this insurance has been purchased.

Member teams and member leagues are defined as those associations where 100% of the participants are members of US Lacrosse; or who are insured under the Non-Member Benefit plan; or a combination of the two.

Covered Activities

Covered activities are defined as the following for Member Players, Coaches and Officials:

1) Scheduled games, team practice sessions, camps, clinics, tournaments or sponsored activities, provided they are under the direct supervision of a team official.

2) Other sponsored and supervised activities, such as team or league meetings, banquets and usual, non-hazardous fundraisers are also covered. Examples of non-hazardous fundraisers are bake sales, car washes and other similar events. No coverage is provided for any event that includes fireworks.

3) In addition to the above, US Lacrosse Member Officials are also protected by Liability Insurance while officiating in any and all amateur lacrosse activities. Member Officials are also covered in their duties as Assignors for Lacrosse activities. Coverage applies to US Lacrosse sponsored games, clinics and tournaments; as well as other amateur lacrosse play, such as NCAA, High School or other regularly scheduled game.

4) Hired/Non-owned Auto Liability: The liability policy provides non-ownership liability (Hired/Non-owned Auto Liability) only while an automobile is being used in the official business of the US Lacrosse National Office.

No liability coverage is provided to parents, coaches or volunteers while using any automobile to transport team members or volunteers to any practice, game or activity. The Hired/Non-owned Auto Liability coverage is excess over the driver’s own automobile liability insurance and does not provide any coverage for physical damage or loss to the vehicle itself.

Therefore, Bollinger and US Lacrosse strongly advise that teams or leagues who are transporting participants make certain that the vehicle and the driver(s) are properly licensed and fully insured.

Coverages Provided by the General Liability Policy

Coverage is provided for:

• Participant injury

• Spectator injury

• Volunteer injury

• Property damage liability

• Activities necessary and incidental to the conduct of games or practices

• Sponsored functions like meetings, banquets and fundraisers

• Advertising and Personal Injury liability

• Products and Completed Operations liability, as respects the functions incidental to a lacrosse team or league

• Claims arising out of alleged or actual sexual abuse or molestation

• Hired/Non-owned Auto Liability for official business of the US Lacrosse

• Worldwide coverage is provided for covered activities, provided that suits are brought in a US court of law
  

Coverage Description

Policy Limits:
General Aggregate Limit per Location:	$5,000,000
Products & Completed Operations Aggregate:	$2,000,000
Personal Injury/Advertising Injury Limit:	$1,000,000
Per Occurrence Limit:	$1,000,000
Sexual Abuse & Molestation Limit per occurrence:	$1,000,000
Sexual Abuse & Molestation aggregate:	$2,000,000
Hired/Non-owned Auto (Official use only):	$1,000,000
Fire Legal Liability Limit:	$100,000
Medical Payments (to non-participants):	$5,000
Deductible:	$0

Notable Policy Exclusions

In addition to the standard exclusions found under the Commercial General Liability policy (such as Pollution, Asbestos, Nuclear Energy), this policy excludes coverage for Fireworks, Sexually Transmitted Disease and Trampolines, and, with regard to Indoor Lacrosse, the policy excludes coverage for any Box Lacrosse or for leagues who permit boarding or cross-checking.

Underwriting Company

The Liability Policy is underwritten by Markel Insurance Company, Glen Allen, VA. Markel is rated “A” by A.M. Best’s rating service.

How to File a Liability Claim

If you are involved in an incident which may give rise to a liability claim (for example, a claim arising out of Bodily Injury or Property Damage), or if you receive a legal summons or a letter from an attorney as a result of such an incident, please report this information immediately to Bollinger, the insurance administrator for US Lacrosse.

When reporting a serious injury or claim that may result in a future liability claim, please use US Lacrosse's Incident Report Form. Please keep a copy for your records and send the information to:

Lori Windolf Crispo
Sr. Executive Vice President
P.O. Box 390
Bollinger Insurance
101 JFK Parkway
Short Hills, NJ 07078

If you have questions, you may contact Bollinger at
1-800-350-8005 option #5, or by email.

This summary is a brief description only of the coverages, conditions and exclusions of the policy, and in no way affects or alters the scope of coverage provided. For the full details of terms and limitations, please refer to the actual policy.