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AGENTS & BROKERS ONLY |
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Other Sports & Recreation Insurance Programs |
Named Insureds Under Sports General Liability PoliciesThe named insureds under the General Liability policy for a sports or recreation organization should include the legal entity itself and its directors, officers, managers, employees, and volunteers.
All of the above mentioned parties are covered by most late edition General Liability policy forms. However, many prior policy forms which are still in use neglect to add coverage for volunteers.
It is of critical importance to correctly list the name of the legal entity for the sports or recreation organization. For example, if the organization is incorporated or is a limited liability company, Inc. or LLC should appear in the name. In other words, the name should be listed exactly as the entity was chartered with the appropriate state governmental office. Failure to correctly list the name of the legal entity could possibly result in coverage denial based on a technicality.
Independent contractors that perform services for your sports organization and are paid on 1099′s are not covered under the standard policy forms unless specifically endorsed onto. However, the sports or recreation organization and other insured persons are covered if the negligent acts of the independent contractor results in a lawsuit against any named insured.
Source: John Sadler
Copyright 2004-2009, Sadler and Company, Inc. All Rights Reserved
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Sadler & Company, Inc.
P.O. Box 5866
Columbia, SC 29250-5866
Phone: (800)622-7370 Fax: (803)256-4017
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