| Unintentional errors and omissions coverage |
NASO-ON member associations that purchase General Liability will now have coverage for unintentional errors and omissions, up to $50,000 per occurrence.
Coverage is provided for claims alleging a breach of duty as an officials association by reason of error or omission occurring while acting as an officials association or as an officer, director, or committee member of the association. This coverage does not eliminate the need for a Directors and Officers policy, but is an added benefit now included to address specific exposures of a local officials association.
WHAT are the policy limits?
The policy in which NASO-ON member associations are included provides up to a $3,000,000 per occurrence general liability limit with a policy aggregate of $4,000,000. The per occurrence limit is the most the policy will pay for all insureds for any one occurrence. The policy aggregate is the most the policy will pay for all claims that occur during the policy period.
The limit is $50,000 per occurrence for unintentional errors and omissions of the association, or its officers, directors, or committee members of the association. This limit is included, and not in addition to, the overall $3,000,000 occurrence and $4,000,000 aggregate limit stated above. The per occurrence limit is the most the policy will pay for all insureds for any one occurrence.
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WHEN does coverage begin and expire?
Coverage will begin once the enrollment form and premium are received by American Specialty. All policies begin and expire in September in a calendar year. For example, if a policy is received in the 2006 calendar year after 9/30/06, coverage will begin once the enrollment form and premium are received by American Specialty, and will expire on 9/30/07. Any NASO-ON member association purchasing coverage on or after 1/1/07 will pay a pro-rata fee.
NOTABLE policy exclusions include:
- Use of non-owned and owned automobiles or buses and aircraft
- Property of others in the care, custody and control of the insured
- Injury to an employee
- Liquor liability
- Medical malpractice
- Employment related practices
- War
No coverage is extended and no representations are made except by the policy. All claims will be evaluated on their own merit and all coverage issues will be determined by reference to the terms and conditions of the policy as issued.
General Liability Q&A
Q: Is premium adjusted for change in membership?
A: Premium is based on membership at the time of enrollment. Accurate membership figures should be provided at the time of enrollment. American Specialty reserves the right to audit membership numbers at any time.
Q: What should a NASO-ON member local officials association do if it thinks it has a claim or a potential claim?
A: An association leader should contact American Specialty at 800-245-2744 as soon as possible. In the event a lawsuit is filed, suit papers and other documentation should be sent to American Specialty by priority mail.
Q: Does this policy provide General Liability coverage for individual officials while officiating?
A: No, but officials who are members of NASO are provided with General Liability coverage.
General Liability Enrollment Procedures:
1) General Liability insurance is only available to NASO-ON member associations. Make sure your association is active with NASO-ON by calling 262-632-5448.
2) Complete the "Member Association General Liability Enrollment Form" for the General Liability coverage. The form should be completed by the president of your officials association or by a board member authorized to sign on behalf of the association.
3) Calculate the total fee due on the General Liability using the information at the bottom of the form.
4) Return the General Liability enrollment form along with a check payable to American Specialty Insurance & Risk Services, Inc. Coverage will not begin until the application and check are received by American Specialty.
A certificate of insurance will be returned to the contact person at your officials association evidencing General Liability insurance. If additional-insured certificates are required during the year, please contact Kris Whitted at 800-245-2744.
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