Audubon chapters are added to the group policy by a Certificate of Participation. They are afforded their own limits of liability and their own annual policy period. A copy of the master policy will also be provided when the certificate of participation is issued. Basic coverage includes:
Basic coverage and rates include a selection of limits from $1,000,000 each occurrence / $3,000,000 aggregate up to $5,000,000 each occurrence / $5,000,000 aggregate per chapter covering typical Audubon Chapter operations, including field trips (canoe and kayak trips included per brochure guidelines) meetings, fundraisers, social events, lectures, bird banding, bird rehabilitation or live bird educational programs, etc. All basic coverage options include an additional $25,000 limit on participant excess medical expense (subject to a $1,000 per claim deductible) No additional accident policy necessary to obtain this, and it covers all participants, not just volunteers.