SportUnderwriters.com Alpine Ski School Program

ALPINE/DOWNHILL/NORDIC SKI & SNOWBOARD SCHOOL/CLUB INSURANCE PROGRAM (ASSP) General Liability with Excess Accident Medical Protection

2019/20 PROGRAM DESCRIPTION & DETAILS

A DIVISION OF SPORT AND SPECIAL EVENT INSURANCE AGENCY

The ASSP program is specifically tailored to U.S. based Alpine/Downhill/Nordic Ski & Snowboard Schools and Clubs for youth and adult training. The coverages provided in the ASSP include Participant Liability protection for all registered Instructors, Coaches, Students and Staff of the Policyholder on a per coach basis. No reporting or checking membership numbers required. The liability coverage protects against claims of bodily injury, property damage and the litigation costs to defend against such claims. This program also includes Excess Accident Medical Coverage for all Registered Instructors and their students while participating in sponsored and supervised insured activities and training.

INSURED ACTIVITIES

❄❄SKI SCHOOL/CLUB ACTIVITIES/OPERATIONS ❄❄NORDIC/X-COUNTRY/BIATHLON TRAINING & COMPETITION

❄❄ALPINE, FREESTYLE & TELEMARK SKI TRAINING & COMPETITION

❄❄SKI/SNOWBOARD CAMPS ❄❄COLLEGE AND VARSITY SKI TEAMS ❄❄BIG MOUNTAIN SKI/SNOWBOARD PROGRAM ❄❄INVERTED AERIAL INSTRUCTION

(USSA CERTIFIED COACH SUPERVISED TRAINING)

STANDARD POLICY COVERAGES, LIMITS & REQUIREMENTS: General Liability Limits per Ski School/Club Participant Accident Protection Program (NO SHARED LIMITS/NO SELF INSURED RETENTION/ZERO GL DEDUCTIBLE)

UP TO $5,000,000 Each Occurrence UP TO $6,000,000 General Aggregate $1,000,000 Personal & Advertising Injury $1,000,000 Products - Completed operations aggregate $300,000 Fire Damage (any one fire) $100,000 Abuse and Molestation Aggregate (included in premium) $50,000 Abuse and Molestation Each Occurrence (included in premium) $5,000 Medical Expenses (any one person) DEDUCTIBLE AMOUNT PER CLAIM: $0.00 Includes Athletic Participants Occurrence Policy Form

Participant Accident Protection Program (EXCESS ACC MED 100% OF ALLOWABLE EXPENSE – NO CO-INSURANCE)

$50,000 Maximum Medical Expense Benefit $10,000 Accidental Death & Dismemberment Benefit $2,500 Deductible Amount per claim No Aggregate Limit of Indemnity 52 Week Benefit Period Excess Coverage

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INCLUDED COVERAGES

❄❄ WORLD WIDE COVERAGE ❄❄ INVERTED AERIALS INSTRUCTION

(USSA CERTIFIED COACH SUPERVISED TRAINING)

❄❄ DRYLAND TRAINING

(INCLUDING SUPERVISED WEIGHT TRAINING)

❄❄ ROLLER SKIING ❄❄ INVERTED AERIAL WITH AIRBAG TRAINING ❄❄ FUNDRAISERS (included) ❄❄ PREMISES & OPERATIONS COVERAGE INCLUDED (I.E. SLIP AND FALLS ON YOUR CLUB PREMISES)

❄❄ TEMPORARY CLUB PARTICIPANTS ARE COVERED UNDER THIS

PROGRAM AS LONG AS THEY ARE SUPERVISED BY A MEMBER COACH

❄❄ NO MANDATORY MONTHLY OR ANNUAL REPORTING OF SCHEDULED EVENTS

❄❄ NON-SANCTIONED CLUB RACES/FUN RACES ❄❄ SPECTATORS ARE COVERED ❄❄ NO CTE EXCLUSION OR SUB-LIMIT ❄❄ HIRED NON-OWNED AUTOMOBILE COVERAGE IS AVAILABLE ❄❄ OPERATIONS AT ADDITIONAL VENUE LOCATION (AT A DIFFERENT MOUNTAIN)

❄❄ NO ASSOCIATION FEES TO PARTICIPATE IN ASSP INSURANCE PROGRAM

❄❄ TRAIL GROOMING & MAINTENANCE COVERAGE (NORDIC/X-COUNTRY ONLY)

AND ZERO DEDUCTIBLE FOR GENERAL LIABILITY CLAIMS

OPTIONAL ADDITIONAL COVERAGES Abuse/Molestation Liability Coverage Abuse, Molestation, Harassment or Sexual Misconduct Defense Cost Reimbursement Coverage: This endorsement covers the legal cost to defend against the accusation of abuse or molestation against a member of your organization. $50,000 Per Occurrence / $100,000 Aggregate: INCLUDED in program package

Higher Limits Available Upon Request for Additional Premium Coverage Limits: $100,000 Per Occurrence / $500,000 Aggregate Coverage Limits: $500,000 Per Occurrence / $1,000,000 Aggregate † Coverage Limits: $1,000,000 Per Occurrence / $1,000,000 Aggregate † † Background checks required.

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Questions? Contact info@sportundwriters.com or call Kara Stowe at 1-866-889-4763 ext 123

PROGRAM FEATURES Owners of premises and financial sponsors may be named as additional insureds.

There is no additional premium charge or fees for certificates of insurance evidencing this coverage.

COVERAGE REQUIREMENTS Waiver & Release System The General Liability policy requires that the insured must maintain a system to regularly secure signed Waiver and Release forms from participants.

NOTABLE EXCLUSIONS † War, Terrorism, Assault & Battery, Asbestos, Nuclear Energy, Total Pollution, Fungi or Bacteria, Aircraft or Watercraft, Employment Related Practices, Communicable Disease (Hepatitis, TSE, HIV, HTLV, or AIDS) Collapse of Temporary Structure, Lead Liability, Rock Climbing, Road and Mountain Bike Races, Professional Liability, Suits brought outside USA or Canada. † Please refer to the policy for a complete listing of exclusions.

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Questions? Contact info@sportundwriters.com or call Kara Stowe at 1-866-889-4763 ext 123

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MAKING LIFE EASIER FOR OUR BROKERS To learn more, please contact Kara Stowe at info@sportunderwriters.com or call 1.833.636.3939 ext 123

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A DIVISION OF SPORT AND SPECIAL EVENT INSURANCE AGENCY