general liability coverage
WHO IS ELIGIBLE? Any non-profit, membership-based en!ty who is a current member of the League of American Bicyclists and whose primary purpose is to promote bicycling for fun, fitness, or transporta!on is eligible. The en!ty does not need to be incorporated or have tax-exempt status to be eligible. En!!es who are primarily engaged in mountain-biking ac!vi!es are not eligible. IS MY ENTITY A BICYCLE CLUB OR AN ADVOCACY ORGANIZATION? For the purposes of the insurance program, Bicycle Clubs and Advocacy Organiza!ons receive the same coverage, but pay for it differently. Advocacy Organiza!ons conduct a very small number of “club rides” and therefore have less exposure than Bicycle Clubs with respect to this aspect of their ac!vi!es. The premium structure reflects this by allowing Advocacy Organiza!ons to pay a flat premium to join the program that is not impacted by their membership size. Bicycle Clubs pay a premium to join the program based on their membership size. All other premiums that apply are calculated the same for Bicycle Clubs and Advocacy Organiza!ons. You can join the insurance program as an Advocacy Organiza!on ONLY if you meet the following criteria: • You conduct 26 or fewer rides (0 to 26) during the policy period where no par!cipa!on fee is charged AND the average number of riders in these rides is fewer than 50. Otherwise, you must enroll as a Bicycle Club. TO PURCHASE INSURANCE, GO TO WWW.AMERSPEC.COM/LAB AND CLICK PURCHASE INSURANCE.
GENERAL LIABILITY COVERAGE (GL) INSURER Greenwich Insurance Company (a member of XL Capital Group) WHO IS INSURED? • Bicycle Clubs and Advocacy Organiza!ons that have completed the enrollment process and have paid the appropriate premium (“insured clubs”) • Members and volunteers of insured clubs while par!cipa!ng in covered ac!vi!es • Invited guests while par!cipa!ng in their first covered bicycle ride or !me trial • Registered special event par!cipants • Directors, officers, and employees of insured clubs rela!ve to covered ac!vi!es If a sponsor or landowner requests to be an addi!onal insured, please contact American Specialty to request a cer!ficate of insurance, or visit the American Specialty League site at www.amerspec.com/lab. WHEN DOES GL COVERAGE APPLY? Covered ac!vi!es include all bicycling-related ac!vi!es conducted and supervised by the insured club, including, but not limited to, the following: • Mee!ngs, fundraisers, public awareness campaigns, trail maintenance, and promo!ng a Safe Routes to School program. • Recrea!onal bicycle rides and !me trials where no par!cipa!on fee is charged (note: this coverage does not apply to Advocacy Organiza!ons who indicate, at !me of enrollment, that they do not conduct such ac!vi!es). • Recrea!onal bicycle rides or !me trials where a par!cipa!on fee is charged (“special events”), but only if they are reported to American Specialty Insurance & Risk Services, Inc. prior to the event and the appropriate premium is paid. Note: For Bicycle Clubs, if a par!cipa!on fee is charged, but par!cipa!on in the ride is strictly limited to club members, it is not necessary to report and pay for the ride as a special event. • Bicycle educa!on courses and other bicycle-related educa!on ac!vi!es organized by the insured club. • Bicycle refurbishment for those insured clubs who purchase the coverage. Coverage DOES NOT apply to the following ac!vi!es: • Opera!ons of commercial bike repair shops. • Commercially operated tours. • Bike rental programs. • Racing. Racing means an ac!vity in which individuals are engaged in direct, speed compe!!on with other riders. An ac!vity that includes a !med element, such as a designated !me for comple!on or an individual being !med for personal best, does not, in itself, cons!tute racing. • Time trials involving compe!!on or racing between individuals (a covered !me trial is an individual !ming ac!vity). • Construc!on or engineering of bicycle trails or paths. • Organizing or supervising a walking school bus, bike train, or similar program that involves the regular transporta!on of minors to and from school. This exclusion does not apply to organizing or supervising a “bike/walk to school” day or ac!vi!es to encourage other organiza!ons to establish such programs. • Ac!vi!es involving E-bikes, mopeds, or any other vehicle with manual power source. • Bike Share Programs that provide short-term access to bicycles for the public.
GENERAL LIABILITY (GL) WHEN DOES GL COVERAGE APPLY? (con!nued) OTHER NOTABLE EXCLUSIONS: • • •
Abuse and molesta•on claims are excluded Employment-related prac•ces claims are excluded Lead, asbestos, and fireworks claims are excluded
COVERAGES:
LIMITS:
Commercial General Liability (per occurrence) General Aggregate** Products and Completed Opera•ons Aggregate Personal and Adver•sing Injury Par•cipant Legal Liability Sports Equipment Liability • Per claim deduc•ble
$1,000,000 * $5,000,000 $5,000,000 $1,000,000 INCLUDED $5,000 $1,000
*
Subject to individual underwri•ng, clubs may purchase addi•onal per-occurrence limits for addi•onal premium. Please call American Specialty at 800-245-2744 for a quote or use the “contact us” bu•on at www.amerspec.com/lab. ** Aggregate applies on a per-insured club basis.
POLICY PERIOD FOR GL & PA COVERAGES Coverage for all covered ac•vi•es other than special events begins on the date the Bicycle Club or Advocacy Organiza•on completes the enrollment process and premium is received or February 1, 2015 (whichever is later) and terminates on February 1, 2016 at 12:01 am. Coverage for special events applies on the dates reported for the event and includes set up and tear down one day before the event and one day a#er the event, if applicable.
PREMIUM/RATES ADVOCACY ORGANIZATION PREMIUM: For Advocacy Organiza•ons that do not conduct ANY recrea•onal bicycle rides other than Special Events: $87.00 NOTE: Special Event charges are in addi•on to this premium.
For Advocacy Organiza•ons who conduct recrea•onal bicycle rides other than Special Events: $157.00 NOTE: An organiza•on can enroll as an Advocacy Organiza•on ONLY if it conducts 26 or fewer rides (0 to 26) during the policy period where no par•cipa•on fee is charged AND the average number of riders in these rides is fewer than 50.
BICYCLE CLUB PREMIUM: For the first 1,000 members
PARTICIPANT ACCIDENT COVERAGE (PA) INSURER Mutual of Omaha Insurance Company
WHO IS INSURED AND WHEN? • All members of Advocacy Organiza•ons and Bicycle Clubs that have completed the enrollment process and have paid the appropriate premium (“insured clubs”) are covered while par•cipa•ng in recrea•onal bicycle rides and •me trials where no par•cipa•on fee is charged (note: this coverage does not apply to Advocacy Organiza•ons who indicate, at •me of enrollment, that they do not conduct such ac•vi•es). First •me invited guests are also covered for these ac•vi•es. In order for a recrea•onal bicycle ride or •me trial to be covered, it must be conducted and supervised by the insured club. • Registered par•cipants (including volunteers) in recrea•onal bicycle rides or •me trials conducted by the insured club where a par•cipa•on fee is charged (“special events”) but only if they are reported to American Specialty Insurance & Risk Services, Inc. prior to the event and the appropriate premium is paid. Note: For Bicycle Clubs only, if a par•cipa•on fee is charged but par•cipa•on in the ride is strictly limited to club members, it is not necessary to report and pay for the ride as a special event. • All a"endees of bicycle educa•on courses organized by an insured club that, upon enrollment, indicates it organizes bicycle educa•on courses that include an on-bicycle component. Bicycle educa•on course means a program of instruc•on focused on bicycle safety and related topics in which the a"endees sign up, enroll, or register by name. Coverage does not apply to the following: • Racing. Racing means an ac•vity in which individuals are engaged in direct, speed compe••on with other riders. An ac•vity that includes a •med element, such as a designated •me for comple•on or an individual being •med for personal best, does not, in itself, cons•tute racing. • Time trials involving compe••on or racing between individuals (a covered •me trial is an individual •ming ac•vity). • Commercially operated tours.
COVERAGES:
(subject to a minimum premium of $145.00*)
$2.97 per member
For the second 1,000 members $2.61 per member For each member in excess of 2,000 $2.24 per member *Actual minimum premium may vary slightly from amount shown as the actual minimum is derived from the respec•ve minimum premiums for General Liability and Par•cipant Accident combined. In repor•ng membership, clubs should count a family membership as two individual members. NOTE: Bicycle Clubs commencing coverage on or a!er August 1, 2015 will receive a 25% discount from the otherwise payable premium; a 50% discount on or a!er October 1, 2015; and a 75% discount on or a!er January 1, 2016 (all subject to the applicable minimum premium).
ADDITIONAL PREMIUM (BICYCLE CLUBS AND ADVOCACY ORGANIZATIONS): En••es who rent, lease, or own an office year-round: En••es who organize bicycle educa•on courses (premium applies regardless of number of courses): Use ONLY LCI’s as instructors Classroom only: Classroom and On-Bike instruc•on: Some•mes use non-LCI’s as instructors Classroom only: Classroom and On-Bike instruc•on:
$65
$40 $136 $56 $181
NOTE: Bicycle educa•on course means a program of instruc•on focused on bicycle safety and related topics in which the a"endees sign up, enroll, or register by name.
Bicycle Refurbishment (op•onal coverage):
$80
SPECIAL EVENT PREMIUM (BICYCLE CLUBS AND ADVOCACY ORGANIZATIONS): For the first 1,000 riders
$3.21 per rider
For the second 1,000 riders For each rider in excess of 2,000
$2.53 per rider $1.84 per rider
(subject to a minimum premium of $158*)
*Actual minimum premium may vary slightly from amount shown as the actual minimum is derived from the respec•ve minimum premiums for General Liability and Par•cipant Accident combined.
For Bicycle Clubs Only: In determining the number of riders in your special event, club members do not need to be counted.
Accident Medical Coverage: $10,000 per person per accident excess of a $500 per claim deduc•ble and excess of any other valid and collec•ble insurance.
NOTE: A special event is defined as any bicycle ride or •me trial where a fee is charged. The only excep•on to this is a Bicycle Club members-only bicycle ride or •me trial event where members are charged a fee. These events do not need to be reported as special events to be covered.
Accidental Death & Dismemberment: $5,000 per person per accident.
Events must be reported to American Specialty prior to the event date in order for coverage to apply. Coverage is NOT automa•c.
D&O LIABILTY INSURANCE
ABOUT THE PROGRAM PROVIDERS
Op•onal Coverage INSURER
GENERAL LIABILITY COVERAGE
Philadelphia Indemnity Insurance Company
GREENWICH INSURANCE COMPANY
WHO IS INSURED?
(a member of XL Group)
Directors & Officers liability insurance, broadly defined, covers legal costs, judgments and se#lements resul$ng from suits and other legal proceedings brought against the en$ty’s Board of Directors, Officers, or the insured en$ty itself for allega$ons of wrongful acts, errors, and omissions. Covered claims can result from exposures such as discrimina$on against a rider, spectator or other cons$tuent; wrongful termina$on of an employee or volunteer; mismanagement of funds; or, negligence involving decisions that affect par$cipants and others.
XL Group is the global brand used by XL Group plc’s insurance subsidiaries. Offering property, casualty, professional and specialty insurance products globally, businesses that are moving the world forward choose XL as their partner. Coverages for this program are underwri•en by Greenwich Insurance Company. (Coverages are not available in all jurisdic•ons.) To learn more, visit xlgroup.com/insurance. XL’s core opera•ng subsidiaries hold a Financial Strength Ra•ng of ‘A’ from A.M. Best (with a financial size category of XV), ‘A+ from Fitch, ‘A2’ from Moody’s and ‘A+’ from S&P.
Directors & Officers liability insurance can be thought of as malprac$ce insurance for the organiza$on and those who manage your club. For addi$onal informa$on, please visit www.amerspec.com/lab.
COVERAGES/LIMITS
OPTION 1
OPTION 2
Directors & Officers Self-Insured Reten$on
$1,000,000 $500
$2,000,000 $500
Employment Prac$ces Liability Self-Insured Reten$on
$1,000,000 $1,000
$2,000,000 $1,000
Total Policy Annual Aggregate Limit of Liability Premium (not including fees)
$1,000,000
$2,000,000
$550
$850
PARTICIPANT ACCIDENT COVERAGE MUTUAL OF OMAHA INSURANCE COMPANY Mutual of Omaha con$nues to have one of the most recognizable and respected names in the insurance industry. Mutual of Omaha currently holds an A.M. Best ra$ng of “A+” (Superior) and a financial size category of “XV.”
NOTE: This coverage is only available to League registered clubs through online enrollment at www.amerspec.com/lab.
POLICY PERIOD For each club, coverage is effec$ve the day of purchase and expires February 1, 2016.
PARTICIPANT ACCIDENT COVERAGE FOR CERTAIN CLUB ACTIVITIES Op•onal Coverage Some clubs organize ac$vi$es that are open to non-members, but where no fee is charged. Such ac$vi$es may include a ride organized specifically for non-club members (such as a ride organized for a school or church group) where no fee is involved. These ac$vi$es do not need to be scheduled as Special Events in order for general liability coverage to apply. But, since the par$cipants are not club members, par$cipant accident coverage will not apply. If your club organizes such an ac$vity and you would like to secure par$cipant accident coverage for all par$cipants, contact American Specialty.
NON-OWNED/HIRED AUTO (NOHA)
DIRECTORS & OFFICERS LIABILITY COVERAGE PHILADELPHIA INDEMNITY INSURANCE COMPANY Founded in 1962, Philadelphia Insurance Companies specializes in commercial insurance products and is focused on mee$ng the needs of its policyholders. Philadelphia enjoys an A.M. Best Ra$ng of “A++” (Superior) with a financial size category of “XV.”
PROGRAM ADMINISTRATOR AMERICAN SPECIALTY INSURANCE & RISK SERVICES, INC. American Specialty is the official insurance program administrator for the League of American Bicyclists and has served in this capacity for over 20 years. American Specialty is a leading provider of insurance and risk services for the Sports and Entertainment industry.
Op•onal Coverage • Op$onal liability coverage is available for non-owned and hired autos you may use during the course of your covered ac$vi$es. NOTE: Under the current program, no coverage applies to liability involving use of a vehicle. • Coverage is not available for a club’s owned autos (if the club owns an auto, coverage should be placed with a local agent). • Any clubs interested in this coverage should contact American Specialty. An applica$on will be required, and coverage will be underwri#en specifically for the individual club. Certain minimum requirements will apply (drivers must be 25 or older and have a valid drivers license; primary auto insurance must be in place for any non-owned autos).
IF YOU HAVE QUESTIONS CONCERNING THE LEAGUE OF AMERICAN BICYCLISTS INSURANCE PROGRAM, PLEASE CONTACT AMERICAN SPECIALTY AT 800*245*2744 OR WWW.AMERSPEC.COM/LAB. American Specialty Insurance & Risk Services, Inc. also conducts business as A.S.I.R.S.I. Insurance Agency in the state of California, American Specialty Insurance & Risk Services Agency in the state of Michigan, and A.S. Insurance & Risk Services Agency in the state of New York.
SMART CYCLING INSURANCE The League of American Bicyclists is pleased to provide you with informa•on on the insurance protec•on afforded to par•cipants in the League of American Bicyclists Smart Cycling Program. This summary is designed to answer ques•ons regional trainers and instructors may have about the insurance benefits provided by the League. Q: DO REGIONAL TRAINERS AND INSTRUCTORS HAVE COVERAGE UNDER THE LEAGUE OF AMERICAN BICYCLISTS SMART CYCLING INSURANCE PROGRAM? Yes. Q: FOR WHAT ACTIVITIES ARE THE REGIONAL TRAINERS AND INSTRUCTORS COVERED? Both regional trainers and instructors are covered any •me they are ac•ng in the capacity of a League Cycling Instructor (LCI) or Seminar Coach during Smart Cycling seminars and classes conducted in accordance with League procedures. Q: WHAT TYPES OF CLAIMS DOES THE POLICY COVER? The most important coverages provided with respect to the exposures of Seminar Coaches and instructors are Bodily Injury and Property Damage coverage. If a student is injured during class or while bicycling a!er comple•ng the course and brings a suit against an instructor or Seminar Coach as a result, the policy can respond. In addi•on, the policy can respond if a claim is made against the Seminar Coach or instructor for damage to property. This coverage does not apply to property that is in the care, custody, or control of the instructor, but it could apply to property of a third party over which the Seminar Coach or instructor did not have direct control. In addi•on to providing coverage for damages the insured may be legally obligated to pay, the policy provides coverage for defending the insureds. Q: HOW MUCH COVERAGE DOES THE POLICY PROVIDE? The policy limit is $1,000,000 per occurrence with a $5,000,000 general aggregate. Costs to defend claims are paid in addi•on to the limit. Coverage is provided on behalf of an admi"ed carrier which is rated “A” with a financial size category of XV by A.M. Best. Q: DOES THE POLICY COVER AN LCI FOR MEDICAL EXPENSES? No. This policy provides liability coverage to the LCI and does not cover medical expenses incurred by the LCI. The only excep•on is that accident medical coverage applies for registered par•cipants of Leagueconducted LCI seminars. Q: DO I NEED TO DO ANYTHING TO ENSURE THAT I HAVE COVERAGE? No. If you are a League Cycling Instructor (LCI) or Seminar Coach and a member of the League, your coverage is automa•cally in place as long as you conduct your seminars and classes in accordance with League procedures. Q: WHAT DO I DO IF I NEED TO PROVIDE A FACILITY WITH PROOF OF INSURANCE? You will need to complete a Cer•ficate Request form. To obtain this form, go to www.amerspec. com/lab and click on the “Insurance Packet” under the Policy Informa•on sec•on. Complete the form labeled “League of American Bicyclists Smart Cycling Program Request for Cer•ficate of Insurance” and return as indicated at the bo"om of the form. Q: IS THERE SOMEONE I CAN CALL IF I HAVE QUESTIONS ABOUT THE INSURANCE? Call American Specialty, the League of American Bicyclists Smart Cycling Insurance Program Administrator, at 800-245-2744, and ask to speak to an account representa•ve for the League. THE INFORMATION CONTAINED IN THIS BROCHURE IS A SUMMARY OF BENEFITS PROVIDED. IT IS NOT A COMPLETE EXPLANATION OF POLICY PROVISIONS OR SPECIFICS OF THE POLICY BENEFITS. NO COVER# AGE IS EXTENDED AND NO REPRESENTATIONS ARE MADE OTHER THAN WHAT IS STATED IN THE POLICY. FOR A COMPLETE EXPLANATION OF ALL PROGRAM COVERAGES, EXCLUSIONS, AND BENEFITS, PLEASE REFER TO THE POLICY. THIS INSURANCE PROGRAM IS NOT AVAILABLE IN ALL STATES.
GENERAL LIABILITY COVERAGE (GL) INSURER Greenwich Insurance Company (a member of XL Capital Group) WHO IS INSURED? • Bicycle Clubs and Advocacy Organiza!ons that have completed the enrollment process and have paid the appropriate premium (“insured clubs”) • Members and volunteers of insured clubs while par!cipa!ng in covered ac!vi!es • Invited guests while par!cipa!ng in their first covered bicycle ride or !me trial • Registered special event par!cipants • Directors, officers, and employees of insured clubs rela!ve to covered ac!vi!es If a sponsor or landowner requests to be an addi!onal insured, please contact American Specialty to request a cer!ficate of insurance, or visit the American Specialty League site at www.amerspec.com/lab. WHEN DOES GL COVERAGE APPLY? Covered ac!vi!es include all bicycling-related ac!vi!es conducted and supervised by the insured club, including, but not limited to, the following: • Mee!ngs, fundraisers, public awareness campaigns, trail maintenance, and promo!ng a Safe Routes to School program. • Recrea!onal bicycle rides and !me trials where no par!cipa!on fee is charged (note: this coverage does not apply to Advocacy Organiza!ons who indicate, at !me of enrollment, that they do not conduct such ac!vi!es). • Recrea!onal bicycle rides or !me trials where a par!cipa!on fee is charged (“special events”), but only if they are reported to American Specialty Insurance & Risk Services, Inc. prior to the event and the appropriate premium is paid. Note: For Bicycle Clubs, if a par!cipa!on fee is charged, but par!cipa!on in the ride is strictly limited to club members, it is not necessary to report and pay for the ride as a special event. • Bicycle educa!on courses and other bicycle-related educa!on ac!vi!es organized by the insured club. • Bicycle refurbishment for those insured clubs who purchase the coverage. Coverage DOES NOT apply to the following ac!vi!es: • Opera!ons of commercial bike repair shops. • Commercially operated tours. • Bike rental programs. • Racing. Racing means an ac!vity in which individuals are engaged in direct, speed compe!!on with other riders. An ac!vity that includes a !med element, such as a designated !me for comple!on or an individual being !med for personal best, does not, in itself, cons!tute racing. • Time trials involving compe!!on or racing between individuals (a covered !me trial is an individual !ming ac!vity). • Construc!on or engineering of bicycle trails or paths. • Organizing or supervising a walking school bus, bike train, or similar program that involves the regular transporta!on of minors to and from school. This exclusion does not apply to organizing or supervising a “bike/walk to school” day or ac!vi!es to encourage other organiza!ons to establish such programs. • Ac!vi!es involving E-bikes, mopeds, or any other vehicle with manual power source. • Bike Share Programs that provide short-term access to bicycles for the public.
GENERAL LIABILITY (GL) WHEN DOES GL COVERAGE APPLY? (con!nued) OTHER NOTABLE EXCLUSIONS: • • •
Abuse and molesta•on claims are excluded Employment-related prac•ces claims are excluded Lead, asbestos, and fireworks claims are excluded
COVERAGES:
LIMITS:
Commercial General Liability (per occurrence) General Aggregate** Products and Completed Opera•ons Aggregate Personal and Adver•sing Injury Par•cipant Legal Liability Sports Equipment Liability • Per claim deduc•ble
$1,000,000 * $5,000,000 $5,000,000 $1,000,000 INCLUDED $5,000 $1,000
*
Subject to individual underwri•ng, clubs may purchase addi•onal per-occurrence limits for addi•onal premium. Please call American Specialty at 800-245-2744 for a quote or use the “contact us” bu•on at www.amerspec.com/lab. ** Aggregate applies on a per-insured club basis.
POLICY PERIOD FOR GL & PA COVERAGES Coverage for all covered ac•vi•es other than special events begins on the date the Bicycle Club or Advocacy Organiza•on completes the enrollment process and premium is received or February 1, 2015 (whichever is later) and terminates on February 1, 2016 at 12:01 am. Coverage for special events applies on the dates reported for the event and includes set up and tear down one day before the event and one day a#er the event, if applicable.
PREMIUM/RATES ADVOCACY ORGANIZATION PREMIUM: For Advocacy Organiza•ons that do not conduct ANY recrea•onal bicycle rides other than Special Events: $87.00 NOTE: Special Event charges are in addi•on to this premium.
For Advocacy Organiza•ons who conduct recrea•onal bicycle rides other than Special Events: $157.00 NOTE: An organiza•on can enroll as an Advocacy Organiza•on ONLY if it conducts 26 or fewer rides (0 to 26) during the policy period where no par•cipa•on fee is charged AND the average number of riders in these rides is fewer than 50.
BICYCLE CLUB PREMIUM: For the first 1,000 members
PARTICIPANT ACCIDENT COVERAGE (PA) INSURER Mutual of Omaha Insurance Company
WHO IS INSURED AND WHEN? • All members of Advocacy Organiza•ons and Bicycle Clubs that have completed the enrollment process and have paid the appropriate premium (“insured clubs”) are covered while par•cipa•ng in recrea•onal bicycle rides and •me trials where no par•cipa•on fee is charged (note: this coverage does not apply to Advocacy Organiza•ons who indicate, at •me of enrollment, that they do not conduct such ac•vi•es). First •me invited guests are also covered for these ac•vi•es. In order for a recrea•onal bicycle ride or •me trial to be covered, it must be conducted and supervised by the insured club. • Registered par•cipants (including volunteers) in recrea•onal bicycle rides or •me trials conducted by the insured club where a par•cipa•on fee is charged (“special events”) but only if they are reported to American Specialty Insurance & Risk Services, Inc. prior to the event and the appropriate premium is paid. Note: For Bicycle Clubs only, if a par•cipa•on fee is charged but par•cipa•on in the ride is strictly limited to club members, it is not necessary to report and pay for the ride as a special event. • All a"endees of bicycle educa•on courses organized by an insured club that, upon enrollment, indicates it organizes bicycle educa•on courses that include an on-bicycle component. Bicycle educa•on course means a program of instruc•on focused on bicycle safety and related topics in which the a"endees sign up, enroll, or register by name. Coverage does not apply to the following: • Racing. Racing means an ac•vity in which individuals are engaged in direct, speed compe••on with other riders. An ac•vity that includes a •med element, such as a designated •me for comple•on or an individual being •med for personal best, does not, in itself, cons•tute racing. • Time trials involving compe••on or racing between individuals (a covered •me trial is an individual •ming ac•vity). • Commercially operated tours.
COVERAGES:
(subject to a minimum premium of $145.00*)
$2.97 per member
For the second 1,000 members $2.61 per member For each member in excess of 2,000 $2.24 per member *Actual minimum premium may vary slightly from amount shown as the actual minimum is derived from the respec•ve minimum premiums for General Liability and Par•cipant Accident combined. In repor•ng membership, clubs should count a family membership as two individual members. NOTE: Bicycle Clubs commencing coverage on or a!er August 1, 2015 will receive a 25% discount from the otherwise payable premium; a 50% discount on or a!er October 1, 2015; and a 75% discount on or a!er January 1, 2016 (all subject to the applicable minimum premium).
ADDITIONAL PREMIUM (BICYCLE CLUBS AND ADVOCACY ORGANIZATIONS): En••es who rent, lease, or own an office year-round: En••es who organize bicycle educa•on courses (premium applies regardless of number of courses): Use ONLY LCI’s as instructors Classroom only: Classroom and On-Bike instruc•on: Some•mes use non-LCI’s as instructors Classroom only: Classroom and On-Bike instruc•on:
$65
$40 $136 $56 $181
NOTE: Bicycle educa•on course means a program of instruc•on focused on bicycle safety and related topics in which the a"endees sign up, enroll, or register by name.
Bicycle Refurbishment (op•onal coverage):
$80
SPECIAL EVENT PREMIUM (BICYCLE CLUBS AND ADVOCACY ORGANIZATIONS): For the first 1,000 riders
$3.21 per rider
For the second 1,000 riders For each rider in excess of 2,000
$2.53 per rider $1.84 per rider
(subject to a minimum premium of $158*)
*Actual minimum premium may vary slightly from amount shown as the actual minimum is derived from the respec•ve minimum premiums for General Liability and Par•cipant Accident combined.
For Bicycle Clubs Only: In determining the number of riders in your special event, club members do not need to be counted.
Accident Medical Coverage: $10,000 per person per accident excess of a $500 per claim deduc•ble and excess of any other valid and collec•ble insurance.
NOTE: A special event is defined as any bicycle ride or •me trial where a fee is charged. The only excep•on to this is a Bicycle Club members-only bicycle ride or •me trial event where members are charged a fee. These events do not need to be reported as special events to be covered.
Accidental Death & Dismemberment: $5,000 per person per accident.
Events must be reported to American Specialty prior to the event date in order for coverage to apply. Coverage is NOT automa•c.
D&O LIABILTY INSURANCE
ABOUT THE PROGRAM PROVIDERS
Op•onal Coverage INSURER
GENERAL LIABILITY COVERAGE
Philadelphia Indemnity Insurance Company
GREENWICH INSURANCE COMPANY
WHO IS INSURED?
(a member of XL Group)
Directors & Officers liability insurance, broadly defined, covers legal costs, judgments and se#lements resul$ng from suits and other legal proceedings brought against the en$ty’s Board of Directors, Officers, or the insured en$ty itself for allega$ons of wrongful acts, errors, and omissions. Covered claims can result from exposures such as discrimina$on against a rider, spectator or other cons$tuent; wrongful termina$on of an employee or volunteer; mismanagement of funds; or, negligence involving decisions that affect par$cipants and others.
XL Group is the global brand used by XL Group plc’s insurance subsidiaries. Offering property, casualty, professional and specialty insurance products globally, businesses that are moving the world forward choose XL as their partner. Coverages for this program are underwri•en by Greenwich Insurance Company. (Coverages are not available in all jurisdic•ons.) To learn more, visit xlgroup.com/insurance. XL’s core opera•ng subsidiaries hold a Financial Strength Ra•ng of ‘A’ from A.M. Best (with a financial size category of XV), ‘A+ from Fitch, ‘A2’ from Moody’s and ‘A+’ from S&P.
Directors & Officers liability insurance can be thought of as malprac$ce insurance for the organiza$on and those who manage your club. For addi$onal informa$on, please visit www.amerspec.com/lab.
COVERAGES/LIMITS
OPTION 1
OPTION 2
Directors & Officers Self-Insured Reten$on
$1,000,000 $500
$2,000,000 $500
Employment Prac$ces Liability Self-Insured Reten$on
$1,000,000 $1,000
$2,000,000 $1,000
Total Policy Annual Aggregate Limit of Liability Premium (not including fees)
$1,000,000
$2,000,000
$550
$850
PARTICIPANT ACCIDENT COVERAGE MUTUAL OF OMAHA INSURANCE COMPANY Mutual of Omaha con$nues to have one of the most recognizable and respected names in the insurance industry. Mutual of Omaha currently holds an A.M. Best ra$ng of “A+” (Superior) and a financial size category of “XV.”
NOTE: This coverage is only available to League registered clubs through online enrollment at www.amerspec.com/lab.
POLICY PERIOD For each club, coverage is effec$ve the day of purchase and expires February 1, 2016.
PARTICIPANT ACCIDENT COVERAGE FOR CERTAIN CLUB ACTIVITIES Op•onal Coverage Some clubs organize ac$vi$es that are open to non-members, but where no fee is charged. Such ac$vi$es may include a ride organized specifically for non-club members (such as a ride organized for a school or church group) where no fee is involved. These ac$vi$es do not need to be scheduled as Special Events in order for general liability coverage to apply. But, since the par$cipants are not club members, par$cipant accident coverage will not apply. If your club organizes such an ac$vity and you would like to secure par$cipant accident coverage for all par$cipants, contact American Specialty.
NON-OWNED/HIRED AUTO (NOHA)
DIRECTORS & OFFICERS LIABILITY COVERAGE PHILADELPHIA INDEMNITY INSURANCE COMPANY Founded in 1962, Philadelphia Insurance Companies specializes in commercial insurance products and is focused on mee$ng the needs of its policyholders. Philadelphia enjoys an A.M. Best Ra$ng of “A++” (Superior) with a financial size category of “XV.”
PROGRAM ADMINISTRATOR AMERICAN SPECIALTY INSURANCE & RISK SERVICES, INC. American Specialty is the official insurance program administrator for the League of American Bicyclists and has served in this capacity for over 20 years. American Specialty is a leading provider of insurance and risk services for the Sports and Entertainment industry.
Op•onal Coverage • Op$onal liability coverage is available for non-owned and hired autos you may use during the course of your covered ac$vi$es. NOTE: Under the current program, no coverage applies to liability involving use of a vehicle. • Coverage is not available for a club’s owned autos (if the club owns an auto, coverage should be placed with a local agent). • Any clubs interested in this coverage should contact American Specialty. An applica$on will be required, and coverage will be underwri#en specifically for the individual club. Certain minimum requirements will apply (drivers must be 25 or older and have a valid drivers license; primary auto insurance must be in place for any non-owned autos).
IF YOU HAVE QUESTIONS CONCERNING THE LEAGUE OF AMERICAN BICYCLISTS INSURANCE PROGRAM, PLEASE CONTACT AMERICAN SPECIALTY AT 800*245*2744 OR WWW.AMERSPEC.COM/LAB. American Specialty Insurance & Risk Services, Inc. also conducts business as A.S.I.R.S.I. Insurance Agency in the state of California, American Specialty Insurance & Risk Services Agency in the state of Michigan, and A.S. Insurance & Risk Services Agency in the state of New York.
SMART CYCLING INSURANCE The League of American Bicyclists is pleased to provide you with informa•on on the insurance protec•on afforded to par•cipants in the League of American Bicyclists Smart Cycling Program. This summary is designed to answer ques•ons regional trainers and instructors may have about the insurance benefits provided by the League. Q: DO REGIONAL TRAINERS AND INSTRUCTORS HAVE COVERAGE UNDER THE LEAGUE OF AMERICAN BICYCLISTS SMART CYCLING INSURANCE PROGRAM? Yes. Q: FOR WHAT ACTIVITIES ARE THE REGIONAL TRAINERS AND INSTRUCTORS COVERED? Both regional trainers and instructors are covered any •me they are ac•ng in the capacity of a League Cycling Instructor (LCI) or Seminar Coach during Smart Cycling seminars and classes conducted in accordance with League procedures. Q: WHAT TYPES OF CLAIMS DOES THE POLICY COVER? The most important coverages provided with respect to the exposures of Seminar Coaches and instructors are Bodily Injury and Property Damage coverage. If a student is injured during class or while bicycling a!er comple•ng the course and brings a suit against an instructor or Seminar Coach as a result, the policy can respond. In addi•on, the policy can respond if a claim is made against the Seminar Coach or instructor for damage to property. This coverage does not apply to property that is in the care, custody, or control of the instructor, but it could apply to property of a third party over which the Seminar Coach or instructor did not have direct control. In addi•on to providing coverage for damages the insured may be legally obligated to pay, the policy provides coverage for defending the insureds. Q: HOW MUCH COVERAGE DOES THE POLICY PROVIDE? The policy limit is $1,000,000 per occurrence with a $5,000,000 general aggregate. Costs to defend claims are paid in addi•on to the limit. Coverage is provided on behalf of an admi"ed carrier which is rated “A” with a financial size category of XV by A.M. Best. Q: DOES THE POLICY COVER AN LCI FOR MEDICAL EXPENSES? No. This policy provides liability coverage to the LCI and does not cover medical expenses incurred by the LCI. The only excep•on is that accident medical coverage applies for registered par•cipants of Leagueconducted LCI seminars. Q: DO I NEED TO DO ANYTHING TO ENSURE THAT I HAVE COVERAGE? No. If you are a League Cycling Instructor (LCI) or Seminar Coach and a member of the League, your coverage is automa•cally in place as long as you conduct your seminars and classes in accordance with League procedures. Q: WHAT DO I DO IF I NEED TO PROVIDE A FACILITY WITH PROOF OF INSURANCE? You will need to complete a Cer•ficate Request form. To obtain this form, go to www.amerspec. com/lab and click on the “Insurance Packet” under the Policy Informa•on sec•on. Complete the form labeled “League of American Bicyclists Smart Cycling Program Request for Cer•ficate of Insurance” and return as indicated at the bo"om of the form. Q: IS THERE SOMEONE I CAN CALL IF I HAVE QUESTIONS ABOUT THE INSURANCE? Call American Specialty, the League of American Bicyclists Smart Cycling Insurance Program Administrator, at 800-245-2744, and ask to speak to an account representa•ve for the League. THE INFORMATION CONTAINED IN THIS BROCHURE IS A SUMMARY OF BENEFITS PROVIDED. IT IS NOT A COMPLETE EXPLANATION OF POLICY PROVISIONS OR SPECIFICS OF THE POLICY BENEFITS. NO COVER# AGE IS EXTENDED AND NO REPRESENTATIONS ARE MADE OTHER THAN WHAT IS STATED IN THE POLICY. FOR A COMPLETE EXPLANATION OF ALL PROGRAM COVERAGES, EXCLUSIONS, AND BENEFITS, PLEASE REFER TO THE POLICY. THIS INSURANCE PROGRAM IS NOT AVAILABLE IN ALL STATES.
