Special Events Liability

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1 Special Events Liability and Student Clubs Insurance The California State University Systemwide Risk Management Fitting the Pieces Together November 6, 2006 Hilton Arden West, Sacramento

2 CSURMA California State University Risk Management Authority Rob Leong Stacey Weeks

3 Presentation Outline I. Executive Order 849 II. Student Organizations Liability III. Special Events Liability Insurance IV. Participant Accident Insurance V. Travel Accident Insurance VI. Club Sports Coverage VII. Student Organizations Insurance VIII. Questions, and maybe Answers 3

4 Chancellor s Executive Order 849 California State University Insurance Requirements E.O. 849 effective: February 5, Establishes insurance requirements for contractors, suppliers, vendors, service providers, and others doing business with the University. Assigns responsibility to the Campus President to implement insurance requirements for agreements, contracts and purchases consistent with the CSU s insurance requirements. Specifies Insurance and Indemnification: type and amount of Insurance and Hold Harmless terms specified in E.O. 849 are the CSU s minimum requirements. Campus may modify certain conditions after proper risk identification, analysis and evaluation has been performed. 4

5 CSU s Minimum Insurance Requirements* General Liability: $1,000,000 occurrence/ $2,000,000 aggregate Auto Liability: $1,000,000 each Accident Workers Compensation & Employer s Liability: as required under California law. Other Insurance as may be required; e.g., Professional Liability, Environmental Impairment Liability (i.e., pollution), etc. Hold Harmless in favor of the State of California, the Trustees of the CSU, the campus, etc. Additional Insured on contractor s insurance naming the State of California, the Trustees of the CSU, the campus, etc. Policy Cancellation: Thirty (30) days written notice to campus. Minimum Security: A. M. Best rating: A VII or equivalent. Refer to E.O. 849 for full description 5

6 Student Organizations DISC Direction Instruction Supervision Control 6

7 Student Organizations Instruction Promotion Oversight Direction ipod 7

8 Risk Identification, Analysis & Evaluation S E V E R I T Y Low Medium High F R E Q U E N C Y Low Medium High Club Meetings Community Service Dance Concerts 8

9 Special Events Liability Insurance Consists of 3 parts: A. Tenant-User Program B. Instructor-Recreation Program C. Nominee Event Program 9

10 A. Tenant-User Program one shot events Tenant-User Event - An event held or sponsored by companies, organizations, or individuals that have been permitted to use University premises. Certificates: issued with the User of the facility as the Named Insured, and the University as the Additional Insured. Coverage: provided for third parties using premises owned by the University. The University calculates the premium for the event and issues a Certificate of Insurance. Quarterly Reports: reports, copies of certificates, and a check for the premium for all events within the quarter are remitted to Alliant. 10

11 B. Instructor-Recreation Program outside instruction Instructor-Recreation Event - An event that is instructional to its participants. Instructors are not employees of the University, but provide instructional services for a fee. Note: Participant coverage requires signed waivers. Coverage: provided for instructors who wish to teach at a University facility. These events are reported to Alliant on a quarterly basis. Quarterly Reports: reports, copies of certificates and a check for the premium for all events within the quarter are remitted to Alliant. 11

12 C. Nominee Event Program sponsored functions Nominee Event - An event that is held or sponsored by the University or its department or division. Coverage: can be expanded to cover co-sponsors if desired. This is not a self-rated program. All events must be approved and rated by the insurance company. Certificates are issued by Alliant with the University as the Named Insured and the property owner (if other than the University) as the Additional Insured. 12

13 Special Events Program Coverage Limits $2,000,000 General Aggregate $1,000,000 Products/Completed Opns Aggregate $1,000,000 Personal & Advertising Injury $1,000,000 Each Occurrence $ 50,000 Fire Damage $ 5,000 Medical Payments Underwritten by Evanston Insurance Co. (A. M. Best: A, X) Aggregate Limit: applies separately to each event. Deductible: none. 13

14 Special Events Program Coverage Lessee, Instructor or Event Holder -Named Insured Primary/Non-Contributory - as respects the University Volunteers - included Entity / Venue Owner - Additional Insured Premises / Operations Liability Products / Completed Operations Liability Personal & Advertising Injury Fire Damage, Medical Payments Liquor Liability - additional premium Athletic Participants - prior approval and waiver Exhibitors and Concessionaires - additional premium 14

15 Special Events Program Major Exclusions Automobile Liability Property Damage to entity premises or property of others in the Care, Custody or Control of the Insured Asbestos Workers Compensation Collapse of Tents Concert limitations 15

16 Special Events Program Three Schedules of Events - examples I Art Show Club Meeting Recital Wedding II Dance Horse Show Street Fair Voter Registration III Concert (under 5,000) Union Meeting Ski Event Swim Lesson Excluded Events: motor sports, circuses, carnivals, aircraft, hot air balloon, rap concerts, heavy metal concerts, pyrotechnics. See program manual for other excluded events. 16

17 Instructor-Recreation Class January 1, 2006 to January 1, 2007 For Multiple Days: Total the attendance for all days of the class. Refer to rates and charge the premium corresponding to the total attendance. One Day Class: Cooking Seminar with 250 people: Refer to Hazard Schedule I Computer/Cooking Attendance Category: Total Premium: $ Multiple Days Class: 20 Art Class meetings with 10 Students: Refer to Hazard Schedule I Arts and Crafts Total Attendance 200. Attendance Category: Total Premium: $

18 Special Events Program For further information or to apply for coverage, please call: Special Events Program Manager Patricia Guisler 18

19 Participant Accident Insurance Groups or Organizations while engaged in CSU or Auxiliary Organization sponsored activity such as: Athletes: amateur sports, school sports, sports camps Volunteers: including community and non-profit organizations Child Care: including school affiliated centers Charities, Fundraisers, Religious Retreats One-time Special Events 19

20 Participant Accident Insurance Individual Policy Limits Choice of Benefit Level, Deductible, Benefit Period High-limit Accident Medical Expense (AME) benefit - up to $1,000,000 Accident Medical Expense: Primary, Primary/Excess, or Full Excess Optional Catastrophe: up to $10,000,000 Accidental Death & Dismemberment Medical Evacuation & Repatriation Expense Can include Administrators, Organizers, Trainers, Supervisors 20

21 Travel Accident Insurance - domestic Student Travel Accident Insurance Covers injuries to Covered Parties while: 1. Away from campus, or 2. Traveling to or from or participating in a School Sponsored Activity. Covered Parties: Any Student, including students enrolled only in extended education programs of the CSU 21

22 Travel Accident Insurance - domestic School Sponsored Activity: Travel or participation in activities away from campus which: 1. is a part of a course requirement, or 2. is sponsored by a university auxiliary organization or other recognized student organization or club, 3. includes travel to or from intercollegiate athletic events away from campus but does not include participation in such events or practices. 22

23 Travel Accident Insurance - domestic Medical Expense: Full Excess Medical Expense: $10,000 per Covered Accident Deductible: $ 0 23

24 Travel Accident Insurance - foreign Foreign Commercial General Liability $1,000,000 Each Occurrence / General Aggregate $1,000,000 Products-Completed Operations Aggregate $1,000,000 Personal & Advertising Injury $50,000 Damages to Premises Rented to You $10,000 Medical Expense 24

25 Travel Accident Insurance - foreign Foreign Business Hired & Non-Owned Auto Liability $1,000,000 Liability, any one Accident $10,000 Medical Expense, each Accident Foreign Voluntary Workers Compensation & Employer s Liability $1,000,000 Employers Liability per Occurrence $100,000 Excess Repatriation per Person 25

26 Travel Accident Insurance - foreign FOREIGN TRAVEL ACCIDENT & SICKNESS (24 Hour Protection) Accidental Death and Dismemberment $20,000 Lesser of Principal Sum or 5x Annual Salary $200,000 Aggregate Accident and Sickness Medical Expense $10,000 Medical Expense, each person $10,000 Medical Expense, each injury or sickness $250 Deductible per person, per injury or sickness 26

27 Travel Accident Insurance - foreign Emergency Medical Evacuation $50,000 Each serious injury or sickness Emergency Family Travel $50,000 Each emergency medical evacuation Repatriation of Remains $25,000 Each injured person 27

28 Travel Accident Insurance - foreign Not applicable to: High Hazard Trips or Activities, e.g., hang gliding, white water rafting, ski trips Extended Foreign Assignment Sport Camps Special Needs Schools / Programs Schools with Foreign Campus Other than Private Passenger Vehicles 28

29 The Future Club Sports Program Student Organizations Liability Program 29

30 Club Sports Program Basic Accident Medical Expense Provides basic medical expense coverage for accidental injuries to your players. $10,000 to $50,000 limit $0 to $5,000 deductible Accidental Medical Expense Accidental Dental Rehabilitation Accidental Death or Dismemberment (AD&D) Primary coverage if no other insurance available 30

31 Club Sports Program Catastrophe Coverage Designed to supplement other Medical coverage. $5,000,000 Lifetime Benefit Excess of primary coverage $25,000 to $50,000 Deductible Supplemental Accidental Death or Dismemberment (AD&D) Benefit Period: 104 weeks to Lifetime 31

32 Club Sports Program General Liability Insurance $1,000,000 minimum On campus activities Off campus events Personal Injury Advertising Injury Abuse / Molestation Discrimination Host Liquor Liability Additional Insureds 32

33 Club Sports Program Automobile Insurance $1,000,000 minimum Owned Autos Hired, Leased or Rented Vehicles Non-owned Autos Volunteers Medical Payments Auto Physical Damage: comprehensive, collision Uninsured / Underinsured Motorists 33

34 Student Organizations Liability Same as Club Sports 34

35 Questions? Please contact: CSURMA Program Directors: Rob Leong Stacey Weeks

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