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 provided up to $1,000,000 per occurence and $1,000,000 general aggregate (To purchase a $2 million general aggregate limit please increase the liability premium by 5%.) There is no deductible amount. 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
$1,000,000.00 General Aggregate
$1,000,000.00 Each Occurrence
$2,000,000.00 Products / Completed Operations
$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

Exclusions
Assault and battery, corporal punishment, fraudulent or dishonest acts, asbestos liability, punitive or exemplary damages, employment related practices, professional liability, total pollution, fireworks and pyrotechnics, nuclear energy liability and liability for occurrences prior to the effective date of coverage. 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: Tackle Football, Ice Hockey, Roller Hockey, Polo, Skin Diving, Boxing, Bungee Jumping, Motor Sports, Waterslides, Mountain Climbing, Rugby, Gymnastics, Wrestling, Snow Skiing, Water Skiing, White Water Rafting, Mountain Boarding, Snow Boarding, Inline Skating, Water Polo, Ropes Courses, Rock Climbing, Kayaking, Boating, Rodeo or any other Saddle Animal Exposures.

There is no liability coverage for claims arising out of the use of any of the following: Trampolines, Portable Rock Climbing Walls, Inflatables, and Tanning 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
$1,000,000.00 General Aggregate
$1,000,000.00 Each Occurrence
$1,000,000.00 Products / Complete Operations
$1,000,000.00 Personal and Advertising Injury
$100,000.00 Fire Damage
$-0- Deductible Amount
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 Expense Benefit
$25,000.00 Accidental Death & Dismemberment Benefit
$2,500.00 Deductible Amount
52 Week Benefit Period
Excess Coverage

Coverage Afforded by Certain Underwriters at StarNet Insurance Corporation.

Policy Term
1/1/08 to 1/1/09

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

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 is available for an additional premium of $1,100.00. Please note: If sexual abuse and molestation coverage is purchased, a sub limit of $100,000.00 per occurrence/$100,000.00 aggregate applies.

Hired and non-owned automobile liability coverage with a $1,000,00.00 limit is available for an additional $1,100.00. Hired and non-owned automobile liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on Policyholder business.

An additional $1,000,000.00 of liability coverage is available for $1,100.00.
An additional $2,000,000.00 of liability coverage is available for $2,200.00.
An additional $3,000,000.00 of liability coverage is available for $3,300.00.
An additional $4,000,000.00 of liability coverage is available for $4,400.00.
An additional $5,000,000.00 of liability coverage is available for $5,500.00.

This Quotation Will Expire in 30 Days. All Quoted Premiums Include Applicable TRIA Premium, Surplus Lines Taxes, Stamping Fees, Program Administrative Fees and Broker Fees.

Expanded Medical Benefit (Multiply Above Accident Premium by 1.05): The policy will include coverage for Eligible Expenses resulting from conditions (such as blisters, tennis elbow, heat exhaustion, hernia, shin splints, bursitis, stress fractures, chronic soreness or pain, tendonitis, strains, sprains, etc.), which are a normal, foreseeable result of a sport or policyholder function covered under the terms of the policy.

Heart or Circulatory System Malfunction Benefit (Multiply Above Accident Premium by 1.05): The policy will include coverage for Eligible Expenses incurred by a Covered Person as a result of heart or circulatory system malfunction which: Is first diagnosed and treated while participating in a Policyholder’s covered Sponsored Activity (or within 24 hours after participation); and The Covered Person has not previously received medical advice, diagnosis and care or treatment, including the use of prescription drugs for such heart or circulatory system malfunction. If the Covered Person suffers loss of life resulting from heart or circulatory system malfunction within 90 days from the date of participation in the Policyholder’s covered Sponsored Activity, a benefit amount is payable as shown under the Principal Sum of the Accidental Death & Dismemberment Benefit.

Pre-existing Injury Benefit (Multiply Above Accident Premium by 1.15) The policy will include coverage for Eligible Expenses resulting from re-Injury or aggravation of an injury that occurred prior to the effective date of this policy. In order to be eligible for this coverage, the Covered Person must: Have received a written medical clearance from a Doctor to participate in the covered Policyholder’s function or sport; and Be participating in a covered Policyholder’s function or sport when the re-injury or re-aggravation occurs.

Sickness Benefit (Multiply Above Accident Premium by 1.95) The policy will include coverage for Eligible Expenses incurred as a result of a sickness which first manifests itself and first requires treatment while participating in a Policyholder’s covered function/activity. As used in this Endorsement: “sickness” means sickness or disease, which begins or for which an expense was incurred while coverage is in force under the Policy for the Covered Person. All related conditions and recurring symptoms of sickness will be considered one sickness. The coverage is subject to the Deductible (if any) applicable to a covered Injury and subject to a $2,500.00 maximum benefit for each sickness.

$5,000.00 Maximum Medical Expense Benefit (Multiply Above Accident Premium by 0.65). The policy’s maximum medical expense benefit will be reduced from $10,000 to $5,000 per injury. The liability coverage however will not be available as the liability insurance requires that there is an underlying accident medical policy with at least a $10,000 benefit.

$2,500.00 Maximum Medical Expense Benefit (Multiply Above Accident Premium by 0.40). The policy’s maximum medical expense benefit will be reduced from $10,000 to $2,500 per injury. The liability coverage however will not be available as the liability insurance requires that there is an underlying accident medical policy with at least a $10,000 benefit.

(CLICK HERE TO APPLY FOR COVERAGE)

Questions and Comments regarding this insurance program may be directed to
rocorona@wescom.org .