Coverage (page 1 of 2)

General Liability Coverage 
-  -  -  Who Is Covered
This program provides protection for all players, coaches, managers, and volunteers of the Policyholder, against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims.  Coverage is provided up to $1,000,000.00 per occurrence with a general aggregate amount of $3 million.

Coverage Includes Suits Arising Out Of:
- Injury or death of participants
- Injury or death of spectators
- Injury or death of volunteers
- Directors and Officers
- Property damage liability
- Host liquor liability (non-profit)
- Incidental medical malpractice
- Corporal punishment?  Optional non-owned automobile liability
- All activities necessary to conduct of practices and games
- Ownership use or maintenance of fields or practice areas
- General negligence claims, cost of investigation and defense of claims, even if groundless.

Program Limits
$3,000,000.00                 General Aggregate  
$1,000,000.00                 Each Occurrence  
$1,000,000.00                 Products / Completed Operations  
$1,000,000.00                 Personal & Advertising Injury  
$       100,000                  Fire Damage (any one fire)  
$                 0                   Medical Expenses (any one person)  
$         500.00                  Deductible per claim 

Inclusions/Program Highlights:   
Occurrence-Form Policy, Coverage Included for Claims by Athletic Participants.

Exclusions:
War, Terrorism, Assault & Battery, Expected or Intended Injury, Abuse/Molestation, Asbestos, Nuclear Energy, Total Pollution, Fungi or Bacteria, Aircraft or Watercraft,  Total Fireworks/Pyrotechnics, Employment Related Practices, Communicable Disease (Hepatitis, TSE, HIV, HTLV, or AIDS) Collapse of Temporary Structure, Lead Liability, Professional Liability, Use of Trampolines, Cheerleading Pyramids, Sale/Manufacture/Distribution of Athletic Equipment, Use of Saunas or Tanning Devices, Polo, Skin & Scuba Diving, Squash, Snow Skiing, Water Skiing, Whitewater Rafting, Bungee Jumping, Mountain Climbing, Rock Climbing, Motor sports, Rodeo or any Equestrian Related Sports, Waterslides, Ballooning, Parachute Jumping, Luge, Tobogganing, Gymnastics. 

Participant Accident Medical Protection Program 
-  -  -  Who Is Covered
All Participants and Staff of the Policyholder are covered while participating in sponsored and supervised activities.  A covered person is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored and supervised activity and his or her home or place of residence.

Accidental Death & Dismemberment 
If a covered injury results in any of the losses specified below within one year after the date of the accident, the company will pay the applicable amount.? 100% of Full Principal Sum for loss of life, both hands or both feet, entire sight of both eyes, one hand and one foot, one hand and entire sight of one eye, one foot and entire sight of sight in one eye, loss of speech and hearing in both ears, total paralysis of both upper and lower limbs. ? 50% of the Principal Sum for loss of one hand, one foot, sight of one eye, loss of speech, loss of hearing in both ears, total paralysis of both lower limbs, paralysis of upper and lower limbs on one side.? 25% of the Principal Sum for loss of index finger and thumb of same hand.