UNITED STATES OF AMERICA
CRICKET ASSOCIATION CLUB LIABILITY AND ACCIDENT INSURANCE PROGRAM

Who Is Covered
This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is offered through the Sports and Recreation Providers Risk Purchasing Group pursuant to the Federal Risk Retention Act of 1986.

• Injury or death of participants
• Injury or death of spectators
• Injury or death of volunteers
• Property damage liability
• Incidental medical malpractice
• 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
• Optional sexual abuse and molestation
• Optional hired and non-owned automobile liability

Program Limits
Occurrence Form Policy
$2,000,000.00 General Aggregate
$2,000,000.00 Products / Completed Operations
$1,000,000.00 Each Occurrence
$1,000,000.00 Personal & Advertising Injury
$100,000.00 Fire Damage
Optional $1,000,000.00 Hired and Non-Owned Automobile Coverage
Optional $100,000.00 Sexual Abuse and Molestation Coverage
$5,000.00 Medical Expense for Spectators
No Deductible for Bodily Injury Claims
Includes Coverage for Acts of Terrorism

Coverage issued through the Sports & Recreation Providers Assn. Purchasing Group

Exclusions
Abuse/Molestation, Asbestos, Discrimination, Nuclear Energy, Total Pollution, Total Fireworks/Pyrotechnics, Employment Related Practices, Organic Pathogens, Punitive Damages, War Liability, Lead Liability, Use of Trampolines, Limitation – Personal & Advertising Injury, Use of Saunas or Tanning Devices, and Punitive Damages. All of the above are subject to the terms and conditions of the policy.

Note: There is no liability coverage for claims arising out of any of the following activities: Polo, Skin & Scuba Diving, Squash, Snow Skiing, Water Skiing, Whitewater Rafting, Bungee Jumping, Mountain Climbing, Rock Climbing, Motorsports, Rodeo or any Equestrian Related Sports, Waterslides, Ballooning, Parachute Jumping, Luge, Tobogganing, Gymnastics, Mechanical Riding Devices..

Participant Accident Protection Program

Who Is Covered
All participants, volunteer workers and staff members 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 Benefit 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.

• Full Principal Sum for loss of life
• Full Principal Sum for loss of both hands or both feet
• Full Principal Sum for loss of entire sight of both eyes
• Full Principal Sum for loss of one hand and one foot
• Full Principal Sum for loss of one hand and entire sight of one eye
• Full Principal Sum for loss of one foot and entire sight of one eye
• 50% of the Principal Sum for loss of one hand
• 50% of the Principal Sum for loss of one foot
• 50% of the Principal Sum for loss of sight of one eye
• 25% of the Principal Sum for loss of index finger and thumb of same hand

If the Principal sum is payable, no indemnity will be paid for dismemberment. In any event, the double dismemberment indemnity is the maximum amount payable under this benefit for all losses resulting from one accident. Loss of a hand or foot means complete severance through or above the wrist or ankle joint. Loss of sight means the total, permanent loss of sight of the eye. The loss of sight must be irrecoverable buy natural, surgical or artificial means. Loss of speech means total, permanent and irrecoverable loss of audible communication. Loss of hearing means total and permanent loss of hearing in both ears which cannot be corrected by any means. Loss of a thumb and index finger means complete severance through or above the metacarpophalangeal joints.

Maximum Medical Expense Benefit
If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 52 weeks, beginning on the date of accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit of $10,000.00. The first such expense must be incurred within 90 days after the date of the accident. Excess Coverage: This Plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Insured Person.

Exclusions and Limitations

• Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
• The use of drugs or narcotics, unless administered under the advice of a physician.
• War or any act of war, whether or not declared.
• Participation in any riot or civil commotion.
• Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline.
• Suicide or any attempt thereat or any self-inflicted injury.

• Medical service provided by any person or facility employed or retained by the Policyholder or member organization.
• Medical service provided by any member of the Insured Person's family or household.
• Dental treatment, except as the result of a covered injury.
• The repair or replacement of any artificial dental restoration.
• Expenses payable under any Workers Compensation Law or similar legislation.
• Injury sustained while riding in or on any two or three wheeled engine driven vehicle.

Summary of Coverage

General Liability Protection Program (Requires Accident Coverage)
$2,000,000 General Aggregate
$2,000,000 Products/Completed Operations
$1,000,000 Personal & Advertising Injury
$1,000,000 Each Occurrence
$100,000 Fire Damage (any one fire)
$5,000 Med Exp (any one person)
-0- Deductible per Claim

Occurrence Form Policy - Non Admitted Basis

Coverage Afforded by Capitol Specialty Insurance Corporation, "A" rated by A.M. Best Company.

Participant Accident Protection Program
$25,000.00 Maximum Medical Benefit per Claim
$25,000.00 Accidental Death/Dismemberment Benefit per Claim
$2,500.00 Deductible per Claim
Excess Coverage
Dental Benefit: Included in Maximum Medical Benefit

Occurrence Form Policy - Admitted Basis

Coverage Afforded by Certain Underwriters at StarNet Insurance Corporation (A XV AM Best).

Policy Term
1/1/09 to 1/1/10

Premium Cost and Optional Coverages
No Cost For Additional Insureds (Park Districts, School Districts, etc.)
$125.00 Per Club

Please note Program rate includes Premium, TRIA premium, Surplus Lines Taxes/Stamping Fees, Program Administrative Fees, and Broker Fees.

Waiver Requirement : The Policyholder must install a Release and Waiver or Liability and Indemnity Agreement for all participants and staff members.

Coverage for Sexual Abuse and Molestation
Coverage for claims of Abuse/Molestation with limits of $100,000 per Occurrence/$100,000 Aggregate can be added for an additional premium/taxes/fees of $1,100.00 (fully earned at inception)

Hired and non-owned automobile liability
$1,000,000 Hired/Non-owned Auto Liability Coverage can be added for an additional premium/taxes/fees of $1,100.00 (fully earned at inception).

Excess Liability Coverage

Follow-Form Excess Liability Coverage can be added for the following
limits and premiums/taxes/fees:

1. $1,000,000/$1,000,000 Excess Liability: $1,100.00 (fully earned at inception)
2. $2,000,000/$2,000,000 Excess Liability: $2,200.00 (fully earned at inception)
3. $3,000,000/$3,000,000 Excess Liability: $3,300.00 (fully earned at inception)
4. $4,000,000/$4,000,000 Excess Liability $4,400.00 (Fully earned at inception)
5. $5,000,000/$5,000,000 Excess Liability: $5,500.00 (Fully earned at inception)

The Excess Liability coverage is follow-form over our underlying Capitol Specialty policy form only and is subject to all terms and conditions of the underlying Captitol Specialty policy. Please note that the Excess Liability coverage will also contain exclusion for Hired/Non-owned auto liability and Abuse/Molestation.

(CLICK HERE TO APPLY FOR COVERAGE)

Francis L. Dean & Associates of California, LLC
880 Apollo Street, Suite 215
El Segundo, CA 90245
(888) 416-9091
Fax: (310) 416-8732