Text Box:  Southern Youth Sports Association     General Liability with Excess Accident Medical Protection Summary of Coverage*  General Liability Protection Program $3,000,000.00     General Aggregate $1,000,000.00     Each Occurrence $1,000,000.00     Products / Complete Operations $1,000,000.00     Personal and Advertising Injury $100,000              Fire Damage (any one fire) $0    Medical Expenses (any one person) $500.00                 Deductible per claim  Policy Term:  Annual        STARTS AUG 14TH 2008 ENDS AUG 8TH 2009  Coverage Afforded by Lexington Insurance Company.  Participant Accident Protection Program $100,000.00        Maximum Medical Expense Benefit $   5,000.00          Spectator Medical Expense $10,000.00           Accidental Death & Dismemberment Benefit $100.00                 Deductible Amount 52 Week Benefit Period Excess Coverage Policy Term:  Annual        STARTS AUG 14TH 2008 ENDS AUG 8TH 2009   Premium: $57.00/ per team (ages 9-under)                 $64.00/ per team (ages 10-12)                $81.00 / per team (ages 13-15)   Coverage Afforded by AIG Insurance Company   General Liability Coverage Who Is Covered This program provides protection for all players, coaches, managers, and volunteers of the Policyholder, against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims.   Coverage is provided up to $1,000,000.00 per occurrence with a general aggregate amount of $3,000,000.00.  There is no deductible amount.  Coverage is offered through the Sports and Recreation Providers Risk Purchasing Group pursuant to the Federal Risk Retention Act of 1986.   Coverage Includes Suits Arising Out Of: ·         Injury or death of participants ·         Injury or death of spectators ·         Injury or death of volunteers ·         Directors and Officers ·         Property damage liability ·         Host liquor liability (non-profit) ·         Incidental medical malpractice ·         All activities necessary to conduct of practices and games ·         Ownership use or maintenance of fields or practice areas ·         General negligence claims, cost of investigation and defense of claims, even if groundless ·         Corporal punishment ·         Optional non-owned automobile liability   Program Limits $3,000,000.00      General Aggregate $1,000,000.00      Each Occurrence $1,000,000.00      Products / Completed Operations $1,000,000.00      Personal & Advertising Injury $100,000               Fire Damage (any one fire) $0                           Medical Expenses (any one person) $500.00                 Deductible per claim   Inclusions/Program Highlights:   Occurrence-Form Policy, Coverage Included for Claims by Athletic Participants.   Exclusions: War, Terrorism, Assault & Battery, Expected or Intended Injury, Abuse/Molestation, Asbestos, Nuclear Energy, Total Pollution, Fungi or Bacteria, Aircraft or Watercraft,  Total Fireworks/Pyrotechnics, Employment Related Practices, Communicable Disease (Hepatitis, TSE, HIV, HTLV, or AIDS) Collapse of Temporary Structure, Lead Liability, Professional Liability, Use of Trampolines, Cheerleading Pyramids, Sale/Manufacture/Distribution of Athletic Equipment, Use of Saunas or Tanning Devices, Polo, Skin & Scuba Diving, Squash, Snow Skiing, Water Skiing, Whitewater Rafting, Bungee Jumping, Mountain Climbing, Rock Climbing, Motor sports, Rodeo or any Equestrian Related Sports, Waterslides, Ballooning, Parachute Jumping, Luge, Tobogganing, Gymnastics.   Waiver & Release System: The insured must maintain a system to regularly secure signed Waiver and Release forms from participants.  For minor participants, these waiver/release forms should be signed by a parent or guardian.  Unintentional error on your part in securing Waiver and Release forms will not void your coverage in the event of a claim by a participant; however, your failure to maintain an adequate system to regularly secure Waiver and Release forms will void your coverage in the event of a claim.   Participant Accident Medical Protection Program Who Is Covered All Participants and Staff of the Policyholder are covered while participating in sponsored and supervised activities.  A covered person is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored and supervised activity and his or her home or place of residence.   Accidental Death & Dismemberment If a covered injury results in any of the losses specified below within one year after the date of the accident, the company will pay the applicable amount. ·         100% of Full Principal Sum for loss of life, both hands or both feet, entire sight of both eyes, one hand and one foot, one hand and entire sight of one eye, one foot and entire sight of sight in one eye, loss of speech and hearing in both ears, total paralysis of both upper and lower limbs. ·         50% of the Principal Sum for loss of one hand, one foot, sight of one eye, loss of speech, loss of hearing in both ears, total paralysis of both lower limbs, paralysis of upper and lower limbs on one side. ·         25% of the Principal Sum for loss of index finger and thumb of same hand    If the Principal sum is payable, no indemnity will be paid for dismemberment. In any event, the double dismemberment indemnity is the maximum amount payable under this benefit for all losses resulting from one accident.  Loss of a hand or foot means complete severance through or above the wrist or ankle joint.  Loss of sight means the total, permanent loss of sight of the eye.  The loss of sight must be irrecoverable buy natural, surgical or artificial means.  Loss of speech means total, permanent and irrecoverable loss of audible communication.  Loss of hearing means total and permanent loss of hearing in both ears which cannot be corrected by any means.  Loss of a thumb and index finger means complete severance through or above the metacarpophalangeal joints.   Maximum Medical Expense Benefit If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 52 weeks, beginning on the date of accident.  Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit stated in the policy.  The first such expense must be incurred within 90 days after the date of the accident. Excess Coverage:  This Plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Insured Person.   Exclusions and Limitations* This Plan does not cover any loss to or resulting from:   ·         Sickness or disease in any form, except phylogenic infections due to an accidental cut or wound. ·         The use of drugs or narcotics, unless administered under the advice of a physician. ·         War or any act of war, whether or not declared. ·         Participation in any riot or civil commotion. ·         Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline. ·         Suicide or any attempt thereat or any self-inflicted injury.   Nor does the Plan cover: ·         Medical service provided by any person or facility employed or retained by the Policyholder or member organization. ·         Medical service provided by any member of the Insured Person’s family or household. ·         Dental treatment, except as the result of a covered injury. ·         The repair or replacement of any artificial dental restoration. ·         Expenses payable under any Workers Compensation Law or similar legislation. ·         Injury sustained while riding in or on any two or three wheeled engine driven vehicle.   *This quote has been designed to illustrate the highlights of this program but is not a contract.  For specific details of the coverage, please review the insurance contract or contact us for additional information.   Policy will become effective upon receipt of premium or the requested effective date, whichever is later.