Instructors & Interns - Liability

• 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.

$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.
• Sponsoring organization is not an additional named insured.

• 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.
• Personal & Advertising liability
• Participant legal liability
• Professional Liability
• Invasion of privacy, wrongful eviction, or wrongful entry.
• Cost of investigation and defense against claims, even if they are groundless

• Asbestos
• Employment related practices.
• Fireworks
• Fungi or bacteria
• Haunted attractions
• Lead
• Medical, therapy or health care services
• Nuclear Energy Liability
• Performers
• Physicals/Stress Testing or Therapy
• Massage or Salon Services
• Cryogenic Chambers/Therapy
• Coaches (exempt or non-exempt) acting on behalf of a college, school or any other organized competitive athletic team
• 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.
• Certified athletic trainers
• Amusement devices (eg: rides, slides, inflatables, bungees, climbing walls, dunk tanks)
• Instruction in the following activities: canoeing, cycling, diving, equestrian, gymnastics, kayaking, wrestling, boxing, motorsports, martial arts, paintball, rowing, rope training, mountain climbing, (including indoor and outdoor manmade practice areas), scuba diving, surfing, rodeo, skiing, snowboarding.
• Concerts
• Sexual Abuse or Sexual Molestation
• Animals
• Rodeos
• Training programs for law enforcement, public safety and military personnel
• Operation or management of a commercial sports, fitness, or dance facility
• Instruction held on or in open water (e.g.: lakes, ponds, oceans)
• Rope training
• Mountain climbing (including indoor & outdoor man made practice areas)
• Sale or distribution of herbal, medicinal and/or nutritional products

Commercial General Liability Insurance policy is provided by AIG Specialty Insurance Company (surplus lines) - Rated "A" by AM Best Company.