Optional Add-On Coverages

Effective 3/1/2024, we have made changes to our optional coverages. Directors and Officers/EPLI coverage has a rate change and we have merged our Equipment and Crime insurance policies into a single, consolidated policy: the Equipment/Crime Insurance Policy. This change is designed to offer a more integrated approach to protecting your organization against a wide range of risks, ensuring that you have the coverage you need without the complexity of managing multiple policies.

Please click the red button below to add on to your existing General Liability policy. 

  • 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.

**PLEASE NOTE THE PREMIUM IS FULLY EARNED AT INCEPTION.

**If you have any questions regarding your current coverages or renewal dates, please call the office at 800-622-7370. The office is open Monday-Friday 8:00 AM – 5:00 PM.