Q: What is On-The-Beach General Liability Insurance?
A: It is a General Liability policy to cover the activities of your organization over the land. This combined with Regatta Liability Insurance takes care of some risks of small-sized organizations.
Q: What is considered a "small-sized sailing organization"?
A: This is a two part answer:
- Any organization that does not own or lease any real property, regardless of revenue.
- If the organization owns or leases real property, then annual revenues must be less than $25,000.
Q: What does this policy cover?
A: It is a general liability policy covering property damage or bodily injury. For example, if your organization meets at a home of a member and a valuable vase is accidentally knocked over, the homeowner files a claim with his insurance company, then his insurance company subrogates against your organization. We will pay for that vase. It is difficult to imagine all of the "what ifs." If you have an example or are unsure what this might cover, feel free to contact us.
Q: Who does this cover?
A: The Applicant (ABC Yacht Club), ABC YC Directors and Officers are protected persons only for their duties in those capacities.
Q: What is the Policy Period?
A: The date the completed application and valid check are received at The David Agency will be your organizations effective date. The policy expires on December 31 at midnight each year, regardless of when your Organization elects to sign up. The premium is fixed. There is no pro-ration or deducts for signing up late in the year. Therefore, the policy period for your club, is the validation date through December 31 at midnight. Application forms are mailed out to organizations each November, so sign up prior to December 31 for the upcoming year and enjoy the coverage for all 12 months.
Q: Can I buy this coverage alone?
A: No. Regatta Liability insurance from The David Agency is a prerequisite to purchasing this On-The-Beach Insurance.
Q: If we are not eligible for the On-The-Beach Insurance, are we eligible for Regatta Liability Insurance anyway?
A: Yes, Regatta Liability is always available to all.
Q: Host Liquor is included, what is it?
A: Liquor sales are not covered by this policy. Should you freely give the liquor away (host), the policy then covers injuries sustained as a result of this liquor usage. Should you put a coffee can on top of the beer keg requesting "donations" of $.25 a cup, you are selling liquor and the coverage stops. Should you have a dinner where dinner and wine is $12 and dinner and beverage is $10, that difference will be considered selling, and coverage stops. Put a keg out there and let everyone enjoy for no-charge, and your organization is covered.
Q: What is the most difficult problem you deal with?
A: Legibility of the applications. Some times we need to call you back with clarification questions to help you out. When applying, please write clearly and complete all answers.
Q: How much does it cost?
A: On the Beach (General Liability) Premium including $1,000,000 of coverage is $350.00.
Q: Who is eligible to become an "Additional Insured" under our Organization’s certificate, and what is the charge?
A: When your Organization is requested by an outside party to become an "Additional Insured" on your Organization’s insurance, this is limited to Governmental Bodies, Landowners or Regatta Sponsors. There is a $50 charge per "Additional Insured". If the party is requesting a simple Certificate of Insurance and not requesting to be an additional insured, this simple "Certificate of Insurance" is free. We need the "Name" of the additional insured or certificate holder, their "address", the "attention to," their "insuring clause" and, if expedited service required, their "fax number." Make the check payable to The David Agency, 385 North York Road, Elmhurst, IL 60126. Include this request with your original application, or if requesting this after you have already acquired the insurance, submit this to The David Agency.
Q: Does my organization share the liability limit with all other organizations?
A: No. Your organization will get its own policy with its own $1,000,000 limit. So rest assured that there are adequate funds to protect your organization.
Q: Does this insure the organization’s Sailing School?
A: No. The instruction of students must be covered elsewhere.