Vendor Insurance Policy Details

Who is Covered

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.

Coverage includes suits arising out of:

  • Injury or death of spectators
  • Injury or death of volunteers
  • Property damage liability
  • Products liability coverage (completed operations)
  • Incidental medical malpractice
  • All activities necessary to conduct activities
  • Ownership, use or maintenance of fields or vendor locations
  • General negligence claims
  • Corporal punishment

Exclusions and Limitations

Aircraft, all acts of terrorism, asbestos liability, assault and battery, claims made by athletic participants, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.Who Is Cove

The Optional Coverages

  • Equipment Coverage – This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.
  • Hired and Non-Owned Automobile Liability Coverage – This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on vendor business.
  • Excess Liability Coverage – This coverage provides additional liability limits increasing the liability coverage per each occurrence.
  • Increased Aggregates- This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.

Plan Highlights

  • Admitted Basis
  • Occurrence Form Policy
  • A+ Rated Insurer