Instructors & Interns - Liability

Who is eligible

• Professional and Non-professional Recreation and Park Department Employees.
• Volunteer Recreation, Park and Playground workers.
• College Students majoring in the field of recreation.
• Individual Members of the NRPA.

Amount of Coverage

$1,000,000 per occurrence or $500,000 per occurrence as selected.
This policy will be issued on an occurrence basis, including the following significant provisions:

• Policy limit includes defense outside the policy limit, investigative and all other related costs.
• Policy limit is a per occurrence limit regardless of the number of insureds involved in incident.
• Sponsoring organization is not an additional named insured.

Rates

	$1,000,000 Limit	$500,000 Limit
Per Individual	$132*	$104*
Per Student	$81*	$69*
Per Lifeguard	$353*	$298*

*Member only rates. All Surplus Lines fees and taxes are included

Download the Application

Deductible

A $2,500 deductible will apply to this Liability Insurance.

What is covered

• Actual or alleged negligence by the insured recreation employee or commissioner while acting with the scope of their duties granted to them by the sponsoring organization: Work at Recreation Centers and Playgrounds, Parks, Swimming Pools, Ice and Roller Rinks, Day Camps, Team Sports Arenas and Stadiums, Golf Courses, Zoos, Organized Trips and Tours.
• False arrest, detention or imprisonment, or malicious prosecution, libel, slander or defamation of character.
• Invasion of privacy, wrongful eviction, or wrongful entry.

What is not covered

• Liability arising out of the use of automobiles and other means of transportation, including draft or saddle animals and watercraft.
• Use of any explosives, fireworks or pyrotechnic devices of any kind.
• Employment related practices.
• Medical payments
• Self-employment, volunteer activities outside scope of defined “business pursuits,” conducting of tours abroad, ownership of summer camps and/or overnight camps or similar activities, work at overnight camps and/or similar activities.
• Liability resulting from waterslides.
• Trampolines, gymnastics, wrestling, boxing, motorsports, martial arts, rope training, mountain climbing, (including indoor and outdoor manmade practice areas), bungee jump, horseback riding and/or equestrian related activities, rodeo, downhill skiing, snowboarding, climbing walls, amusement devices, inflatables and concerts.
• Rape, molestation or sexual abuse.
• Corporal punishment
• Counseling services
• Medical services

Please Note

This brochure is a brief description of the important features of the insurance plan. It is not a contract of insurance. The descriptions contained here are not a complete description of all terms, conditions, and exclusions in the coverage. Please refer to your Liability insurance Policy and Accident Insurance Plan Description of Coverage for complete information. Coverage may not be available in all states or certain terms may differ by state law. Please keep this information as a reference.

Insurance Underwriter

Accident and Liability insurance policies are provided by ACE American Insurance Company, Philadelphia, PA, or, in some states, other insurance companies of the ACE Group. Where coverage is provided by a surplus lines insurer that is part of the ACE Group, it is sold only through licensed surplus lines producers. Coverage may not be available in all states. View the Privacy Notice for ACE American Insurance Company.