Good Driver Plan - An auto insurance rating program that reflects the insured's accident and traffic violation record as a factor in determining the premium.
Accident Medical Coverage - Coverage for medical expenses (doctor bills, ambulance, hospital, and medication bills) incurred as a result of an injury while participating in an insured activity. This is typically written on an excess basis over any other collectible medical insurance the injured person might have available to them. The coverage responds only to injuries sustained while that person is participating in your covered activities.
Many groups of adults (such as volunteers) are not covered by Workers Compensation or similar legislation. The FL Dean & Associates Adult Group Accident Insurance Program is a perfect way to protect members against accidental injuries. Eligible classes include...
Commercial Liability Insurance
General Liability Insurance - A broad term meaning liability insurance, other than automobile liability or employers' liability, written to cover professional and commercial risks. In respect to commercial liability, various available coverages could cover such risks as premises and operations, contractual liability, products and completed operations. A form of insurance designed to protect owners and operators of businesses from a wide variety of liability exposures. These exposures could include liability arising out of accidents resulting from the premises or the operations of an insured, products sold by the insured, operations completed by the insured and liabilities assumed by the insured through specific types of contracts.
Professional Liability Insurance
In the event that your organization does not have an on-staff athletic trainer and chooses to hire a trainer, this trainer is not covered under the policy for personal injury or loss or for services rendered. If you have hired an outside athletic trainer to supervise your event, be sure that the individual has his/her own professional liability or professional malpractice insurance. If the athletic trainer makes a mistake in care, it is only his/her personal liability or malpractice insurance that will come into play.
Commercial General Liability Insurance provides your organization with protection from a lawsuit or a property damage claim. Most facilities or practice grounds will require liability coverage with at least a $1,000,000 limit per occurrence and require that they too be named on your organization’s policy as an additional insured.
Flood Insurance - Coverage against loss resulting from the flood peril, widely available under a program developed in 1968 by the private insurance industry and the federal government.