If you have specific questions regarding specific coverage, please contact either Scott Chapin at chapins [at] rjfagencies [dot] com or Theresa Terry at terryt [at] rjfagencies [dot] com. Q: What are the policy limits?
• General Aggregate: $2,000,000 per club • Products and Completed Operations: $2,000,000 per club • Personal and Advertising Injury: $1,000,000 per club • Each Occurrence: $1,000,000 per club • Fire Damage Limit: $50,000 (any single fire) Q: Does the policy cover injuries arising from trail work? Yes. If an insured club were sued due to any trail work, the insurer would pay to defend the suit and pay punitive damages. Generally, this would have to be caused by an accident and there would have to be some sort of liability to trigger the claim. Q: Does the policy pay the medical bills of injured people? Depending on the scenario, medical bills may be covered. The policy is not designed to pay for every “bump and bruise.” If someone gets injured and sues the club for medical bills, the club’s legal defense would be covered and, if awarded, damages would be paid. Your club may also purchase an additional accident policy to provide coverage for situations where there is NOT a negligent act.
