Founders Girls Lacrosse League

Member Insurance Program including Excess Accident and General Liability.

Policies Automatically Provided for Founders Member Programs:

Covered Activities

All participants, staff and volunteers of the policyholder while participating in sponsored and supervised activities.

General Liability

Protects against covered lawsuits and claims where it is alleged that your negligence resulted in bodily injury, property damage, or personal/advertising injury.

Named Insureds

Strong Town Girls Lacrosse, Inc. dba Founders Girls Lacrosse, and affiliate member programs, their participants, staff and volunteers.

*Coverage subject to use of approved waiver/release forms signed by all players and coaches. 

 

Each Occurrence $1,000,000
General Aggregate $3,000,000
Products/Completed Operations Aggregate $2,000,000
Personal/Advertising Injury $1,000,000
Damage to Premises Rented to You $300,000
Medical Expense Limit $5,000
Sex Abuse/Molestation – each occurrence (per perpetrator) $1,000,000
Sex Abuse/Molestation – aggregate $2,000,000

Excess Accident

Covered Persons

Participants, including players, volunteers and staff, performing their normal duties at a “covered activity”.

Full Excess Accident Medical $500,000*
Deductible per claim $1,000
Payout Period 52 weeks
Accident Death & Specific Loss $10,000*
*Includes Heart & Circulatory Malfunction

 

Additional Coverages That May Be Purchased Separately By Member Programs

These coverages are not automatically provided by MYL and you must separately apply by completing the application and forwarding to Sadler Sports Insurance along with check. Each policy may be purchased separately.

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Directors & Officers Liability/EPLI Overview:

    • Protects against certain lawsuits not covered by a General Liability policy such as discrimination based on race, sex, age, or handicap; wrongful suspension or termination of personnel or players; or failure to follow your own bylaws when making an administrative decision.
    • $1,000,000 Per Claim Limit ($1,000 Deductible)Premium of $377 per governing board for all states outside of Hawaii. (State of Hawaii Premium is $497 per governing board)
    • The Directors & Officers Insurance policy is available only to organizations having a current General Liability policy in force through Sadler & Company.   View Plan Description for Coverage details, What is covered and Examples of potentially covered lawsuits.
Equipment/Crime Insurance Overview:
  •  Equipment Coverage: Covers certain financial loss to equipment owned by chapter (sports, concession, maintenance, etc.) due to perils of fire, wind, theft, and vandalism. The limit is based on the Replacement Cost Value of 100% of Organization Owned Equipment with a $500 deductible.
  • Crime Coverage: Covers certain financial loss due to embezzlement of funds or theft of equipment by your own directors, officers, or staff. This coverage comes with a $25,000 limit and a $500 deductible.
  • The Equipment/Crime Insurance policy is available only to organizations having a current General Liability policy in force through Sadler & Company. View Plan Description for Coverage details, What is covered and Examples of potentially covered lawsuits.
  • **Please Note: For those who have purchased stand-alone crime in the past, it is no longer offered as a separate policy. As a result, you will need to report at least $1,000 worth of unscheduled miscellaneous equipment whether you want equipment coverage or not to meet the minimum policy requirements. A $300 minimum premium applies for the combined Crime/Equipment policy.  If you have over $1000 worth of equipment and contents, please increase your numbers accordingly. The rate for this is $.0153 (except in HI & NY) multiplied by the Total Replacement Value.

Risk Management Content

The following risk management content is most applicable to Founders:

This is not an all-inclusive list, check out our risk management page for other articles, programs, videos and forms.