SU - SmartChoice_AlpineSkiSchool_Brochure_2020_VAL

SKI & SNOWBOARD INSURANCE PROGRAM [ASSP*] * For 15 Years, Includes Alpine/Nordic/School & Clubs General Liability with Excess Accident Medical Protection

2020/21 PROGRAM DESCRIPTION & DETAILS

A DIVISION OF SPORT AND SPECIAL EVENT INSURANCE AGENCY

The ASSP program is tailored to U.S. based Alpine/Downhill Ski & Snowboard Schools and Clubs for youth or adult instruction/ training. The coverages provided in the ASSP program include Participant Liability protection for all registered Instructors, Coaches, Students and Staff of the Policyholder on a per instructor basis. No national governing body memberships are required, and there is no roster reporting or club member status verification. 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 and Medical Coverage protection for all Registered Instructors and their students while participating in sponsored and supervised insured activities and training.

Depending on your Ski School/Club activities/ operations, coverage can include:

❄❄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 AERIAL INSTRUCTION (USSA CERTIFIED COACH ❄❄INVERTED SUPERVISED TRAINING)

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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 CLUB 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 Includes Premise Coverage (Club House)

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 This insurance program is written on a master policy basis. Each member is named to the master policy onan individual basis with their own liability limits. Coverage is provided up to $5,000,000 per occurrence with ageneral aggregate amount of $6,000,000. The primary General Liability per occurrence amount is $1,000,000with a $2,000,000 aggregrate. Excess Liability coverage can be purchased in incremental amounts from$1,000,000 per occurrence up to $4,000,000 per occurrence.

WE OFFER FLEXIBLE POLICY DATES. BIND WHENEVER; NO PENALTIES OR LATE FEES.

INCLUDED COVERAGES

❄❄ INVERTED AERIALS INSTRUCTION

(USSA CERTIED COACH SUPERVISED TRAINING)

❄❄ DRYLAND TRAINING

(INCLUDING SUPERVISED WEIGHT TRAINING)

❄❄ ROLLER SKIING ❄❄ INVERTED AERIAL WITH AIRBAG TRAINING ❄❄ FUNDRAISERS ❄❄ PREMISES & OPERATIONS COVEREAGE INCLUDED ❄❄ 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 ❄❄ OPERATIONS AT ADDITIONAL VENUE LOCATION (AT A DIFFERENT MOUNTAIN)

❄❄ NO ASSOCIATION FEES TO PARTICIPATE IN THE ASSP INSURANCE PROGRAM

❄❄ HIRED NON-OWNED AUTOMOBILE COVERAGE IS AVAILABLE ❄❄ WORLD WIDE COVERAGE IS AVAILABLE 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.

Sports Equipment and Facilities Coverage • Inland Marine/Equipment up to $2,000,000 limit • Property/Facilities maximum $3,000,000 (excluding HI and AK)

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Questions? Contact info@sportundwriters.com or call Val at 1-866-889-4763 ext 122

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

There are no additional premium charges 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 Diseases, Collapse of Temporary Structure, Lead Liability, Rock Climbing, Road and Mountain Bike Races, Professional Liability, Suits brought outside USA or Canada. † Standard Exclusions Also Apply

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SPORTUNDERWRITERS.COM To learn more, please contact Val at info@sportunderwriters.com or call 1.833.636.3939 ext 122 2047 Saranac Avenue, Suite 201, Lake Placid, NY 12946 REGISTER HERE

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A DIVISION OF SPORT AND SPECIAL EVENT INSURANCE AGENCY