Municipal Insurance Checklist Supplement
Supplemental Coverage Checklist For Sports Insurance When General Liability Coverage Is Provided Through Municipal Insurance Program
Over 50% Surveyed Have Dangerous Coverage Loopholes That Leave Sports Administrators And Volunteers Dangerously Exposed To Uncovered Lawsuits!
**Submit this form to the city or county's insurance agent or risk manager for completion only if they provide your General Liability insurance through a municipal controlled insurance program. Don't use this form if your recreation department buys its General Liability coverage directly from an insurance agent, instead, use the form entitled "Stop, Before Buying Your Sports Insurance?"**
1. What is the "Each Occurrence" limit of Liability under the municipality's General Liability Policy? $__________________
2. Does the policy provide "Occurrence" or "Claims Made" coverage? ______________________
3. Is the General Liability exposure:
Fully insured with no deductible
Insured with a deductible of $___________________
Self insured with a retention of $_________________
If there is a deductible or retention above, would a covered individual named in the lawsuit (example: employee, volunteer, director, officer) be responsible for his/her own legal defense, settlement, or adverse jury verdict "out of pocket" to the extent of the deductible?
Please explain:______________________________________________
__________________________________________________________
4. Does the municipality's General Liability policy extend coverage to "volunteers" of the recreation department such as directors, officers, trustees, coaches, managers, umpires, concession workers, etc.?
__________________________________________________________
__________________________________________________________
5. If separate leagues are using the recreation department's facilities or fields, does the municipality's General Liability policy extend coverage to such leagues and their respective directors, officers, employees, and volunteers?
__________________________________________________________
__________________________________________________________
6. If coverage is extended under #4 and/or #5 above, is it limited to incidents that occur on the fields or facilities of the recreation department or does it extend to off premises activities such as:
A. Competition at fields or facilities of others (example: travel teams or tournaments)?
__________________________________________________________
B. Non-sport team outings such as attendance at pro or college ball games, restaurant trips, swimming parties, backyard cookouts, etc?
__________________________________________________________
7. If coverage is extended under #4 and/or #5 above, is coverage contingent upon such activities being "within the scope of the covered person's official duties"?
__________________________________________________________
If "yes," please provide examples of activities that would not be "within the scope of official duties" (example: team activities that are not authorized by the recreation department):
__________________________________________________________
__________________________________________________________
8. Does the municipality's General Liability policy contain exclusions for the following:
- Athletic Participants (excludes coverage for lawsuits arising out of injuries to sports participants)
Covered Not Covered - Punitive Damages Covered Not Covered
- Contractual Liability Assumption (example: Facility Lease, Equipment Lease, Security Provider Agreements, etc.) Covered Not Covered
- Child Abuse/Molestation Covered Not Covered
9. Does the municipality carry a Directors & Officers Liability policy (or Errors & Omissions) that extends coverage to directors, officers, employees, and volunteers of the recreation department? _________
If so, does such coverage extend to separate leagues (if any) that are operating under the recreation department and their respective directors, officers, employees, and volunteers? _______________________
10. Based on your answers to questions 1-9 above, do you believe that your General Liability policy adequately addresses the unique sports insurance coverage needs of the recreation department volunteers and the separate sports organizations, if any, including their respective directors, officers, employees, and volunteers?
a) Direct Volunteers of Recreation Department Yes No
b) Sports Organizations Using Your FacilitiesYes No Not Applicable
(if any) and their directors, officers, employees, and volunteers
11. If the answer is "No" under question #10 a) or b), what course of action do you recommend?
The insurance coverages for the recreation department should be purchased separately from a company that specializes in sports insurance and is able to address the coverage concerns.
The organizations and/or persons who are adversely impacted by coverage inadequacies should be warned in writing and given the opportunity to provide their own coverage.
Other:
__________________________________________________________
__________________________________________________________
This questionnaire was completed by:
Name:________________________________________________
Title:_________________________________________________
Organization Name:_____________________________________
Address:______________________________________________
City:______________________State:_______Zip Code:_________
Please complete, sign, date and return to Sports Administrator