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The Liability Plan protects members
from lawsuits for Bodily Injury or Property Damage that
arise out of covered Lacrosse activities. 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 participating in Camps, Clinics
and Tournaments for which Event Insurance has been
purchased.
*Member teams and member leagues are defined as
those associations who mandate that 100% of the
participants are members of US Lacrosse. 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) Important Note: 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.
Therefore, Bollinger and US Lacrosse strongly advise
teams or leagues who are transporting
participants to 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:
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Participant injury
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Spectator injury
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Volunteer injury
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Property damage liability
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Activities necessary and
incidental to the conduct of games or practices
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Sponsored non-lacrosse functions like
meetings, banquets and fundraisers
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Advertising and Personal
Injury liability
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Products and Completed Operations liability
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Claims arising out of alleged
or actual Sexual Abuse or Molestation
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Worldwide coverage is provided
for covered activities, provided that suits are
brought in a US court of law
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Coverage Description
| Policy Limits: |
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| Per Occurrence Limit: |
$1,000,000 |
| General Aggregate Limit
per Location: |
$5,000,000 |
| Products & Completed
Operations Aggregate: |
$2,000,000 |
| Personal
Injury/Advertising Injury Limit: |
$1,000,000 |
| Sexual Abuse &
Molestation Limit per occurrence: |
$1,000,000 |
| Sexual Abuse &
Molestation aggregate: |
$2,000,000 |
| Damage to Premises Rented by you: |
$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 or lawsuit 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.
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
Bollinger Insurance
P.O. Box 390
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.
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