General Liability coverage protects you from lawsuits if someone was injured at one of your organization's activities and held you responsible. Some activities covered include skating parties, fall carnivals, bounce houses, dunking booths, fun runs, auctions, and more. Injuries resulting from transportation are not covered.
General Liability coverage also has a separate component that gives insureds access to a minimum of $5,000 in Medical Payments. This is for injuries sustained at one of your organization's activities even if no lawsuit has been filed.
Media Liability coverage is designed to protect you from liability in the event you accidentally misuse or disclose information on your website or other social media site. This includes misuse of logo, copyright, pictures, confidential information and other misrepresentations or misappropriations.
Bond coverage protects your money. It covers anyone who your organization trusts with the money whether it's a President, Treasurer, board member, volunteer, or courier. If that person embezzles (runs off) with your money, Bond coverage would replace those missing funds.
Inland Marine (Business Personal Property) coverage protects your raffle merchandise, auction items and fundraising supplies while in your possession. This coverage also protects any personal property of your organization such as popcorn machines, snow cone makers, school store supplies, emergency relief supplies, and more.
Officers Liability coverage protects the organization from lawsuits for "wrongful acts". If someone sued the officers of your organization for mismanagement, misrepresentations, dissemination of false or misleading information, or inappropriate actions this coverage would pay to defend you against those actions.
Please select the desired coverage and click Purchase Coverage below.
Media Liability and Medical Payments are only available in combination with General Liability Coverage
Have you had insurance declined, cancelled or non-renewed in the last three years?" Yes No If yes, please provide details:
Have you had any insurance claims in the last five years?" Yes No If yes, please provide details:
Please note that all policies are subject to a minimum premium of 50% or $50, whichever is greater, not to exceed the total annual premium. Policies cancelled before the effective date, are subject to a $35 cancellation fee. All premium and fees are fully earned at inception.
Requirements of bond coverage (make sure all officers are aware of requirements):
COVERAGE IS VOID IF THESE REQUIREMENTS ARE NOT FOLLOWED.
ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR ANOTHER PERSON FILES AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIM CONTAINING ANY MATERIALLY FALSE INFORMATION, OR CONCEALS FOR THE PURPOSE OF MISLEADING INFORMATION CONCERNING ANY FACT MATERIAL THERETO, COMMITS A FRAUDULENT INSURANCE ACT, WHICH IS A CRIME AND SUBJECTS THE PERSON TO CRIMINAL AND CIVIL PENALTIES.