What Does the Policy Cover?
The policy insures your club for liability arising from events like club rides, kids rides, meetings, trail maintenance, trail patrols, overnight camping, safety clinics, bike rodeos, and other club activities. Trips for Kids, Mountain Kids or Sprockids programs are covered if sponsored by an IMBA-affiliated club. It also covers completed operations, which means that if your club builds a trail and is subsequently sued by a trail user on the basis of that trailbuilding, the policy will cover defense of the suit. Special events involving the use of stunts or constructed technical trail features, as well as events such as pro rider demonstrations, are not covered.
• The cost of replacing your phone as a direct result of loss or theft whilst you are in the United Kingdom, the Isle of Man or the Channel Islands • The cost of replacing your phone as a direct result of loss or theft elsewhere in the world, providing your phone has been enabled to operate outside the UK • The cost of repairing your phone (or replacing your phone if it cannot be repaired) where accidental damage, water or liquid damage or malicious damage has occurred • The cost of repairing your phone (or replacing your phone if it cannot be repaired) where damage has been caused by electrical or mechanical breakdown. • The cost of unauthorised calls made up to a maximum of £10,000 per claim • The replacement of your accessories, up to a combined retail price of £500, lost, stolen or damaged at the same time as your phone • The replacement of your accessories up to a combined retail price of £500 if we have replaced your phone with an alternative model as a result of a successful cla
Both Valiant Insurance Company and Physicians Insurance Company have the same type of claims made policies. The Professional Liability section of the policy provides coverage for injury or damage arising from: professional liability claims for medical injury which are brought against you by a patient in your practice as a physician or surgeon The Investigation Defense section of our policy provides you with a $25,000 sublimit to defend actions and reviews by medical licensing boards, credentialing agencies, professional review organizations, Medicare and Medicaid.
