|
|
|
|
PACHNER & ASSOCIATES INSURANCE PROGRAM FOR HIKING OR OUTDOORS ACTIVITY ORGANIZATIONS This program enables not-for-profit outdoor activity organizations to operate with affordable liability insurance coverage for staff, volunteer directors and officers, volunteer administrators and activity leaders. We have separate property/inland marine coverage available for those organizations that own real or personal property, including "unprotected" back country cabins or lodges and recreational equipment. We also have other insurance programs available. This program was originally developed for member organizations of the NY/NJ Trail Conference has also been set up for other outdoors organizations, individual clubs, organizations or associations. Our clients include individual outdoors clubs or conservation organizations with outdoors activity, regional and U.S. Department of the Interior-afiliated trail building and trail maintenance associations, and national associations of outdoors clubs and their chapters. Our comprehensive liability program for hiking & outdoor clubs, land trusts and environmental conservation organizations is comprised of two components: (1) Commercial General Liability insurance provided by a risk purchasing group established under authority of the Federal Risk Retention Act of 1986 with limits of $1,000,000 each occurrence and $2,000,000 aggregate for bodily injury (including products liability with a $1,000,000 aggregate) property damage, or personal injury. This policy incorporates Participant Accident/Excess Medical Expense coverage . Liability coverage is written through an A.M. Best's A rated ("excellent") insurer and risk purchasing groups in program managers with an excellent track record of service to outdoors recreation organizations. (2) Integrated Participant Accident/Excess Medical Expense Coverage (AD&D) which acts as a deductible and pays a benefit regardless of fault in the event of death, a percentage in the event of serious injury or excess medical expense where the injured participant does not carry medical insurance medicaire Part B, or whose health insurance does not cover all expenses. For members of the NY/NJ Trail Conference, it features a $10,000 accidental death benefit and $25,000 excess medical expense limit with $500 deductible and is now integrated into and incidental to the Risk Purchasing Group policy. Non-owned/Hired Automobile Liability, Abuse & Molestation Coverage and Liquor Legal Liability coverage are optional and available at additional cost. Optional higher liability limits are available at additional cost on an excess liability policy. Directors & Officers Liability Insurance is available on a separate policy at competitive rates where required by your organization. This policy normally covers claims against the organization resulting from alleged acts, errors or omission of the club's directors, officers and volunteer committee members that result in financial harm to others or impairment of the organization's assets, and excludes claims for bodily injury or tangible property damage. NOTE: Our program for hiking and outdoor activity organizations is designed primarily for outdoor activities that are non-motorized sports, such as hiking, snowshoeing, cross country skiing, sea kayaking or canoeing. We also have a separate or supplemental program for down hill ski areas, ski clubs and ski instructors, snowcat skiing and ski mountaineering, technical or ice climbing and mountaineering, paddling, white water rafting or equestrian activities. It is NOT designed for sports that primarily utilize powered conveyances such as snowmobile operations, ATV operations or power boat operators. FOR FURTHER INFORMATION OR AN APPLICATION FOR INSURANCE, EMAIL DON PACHNER WITH YOUR ORGANIZATION'S NAME, ADDRESS AND CONTACT INFORMATION AT OUTDOORS@PACHNER.INFO |
Send mail to
webmaster@pachner.info with questions or comments about this web site.
|
