General and Excess Liability Limit Summary (limits are combined for illustration purposes):

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2 General and Excess Liability Limit Summary (limits are combined for illustration purposes): Limit of Liability per Occurrence $2,000,000 Policy Aggregate per Location $6,000,000 Products/Completed Operations Aggregate $3,000,000 Personal and Advertising Injury $2,000,000 Sexual Abuse & Molestation/Occurrence $2,000,000 Sexual Abuse and Aggregate $3,000,000 Errors & Omissions Coverage for Coaches $1,000,000 Participant Legal Liability Included Medical Payments (non-participants) $ 5,000 Hired/Non-Owned Auto Liability $1,000,000 Deductible $ 0

3 Excess Accident Medical Limit Summary (Championship members only) Excess Accident Medical $25,000 Accidental Death Benefit $15,000 Accidental Dismemberment $50,000 Disappearing Deductible Per Claim $ 250

4 USRowing It s Members It s Member Organizations Registered Regattas Registered Regatta Committees Officials Coaches (Employees, Subcontractors & Volunteers) Directors & Officers Managers Volunteers

5 } What is General Liability Insurance? } General liability insurance pays for bodily injury or property damage to a third party caused by you or your club. } What is the policy period? } The policy period is 12/31/15 12/31/16. } How do I renew my coverage? } You must renew your USRowing membership (Tiers 1 6) each year for coverage to be in force.

6 A rower is struck with an oar by a teammate while rowing in a club practice. Provided both teammates are on the roster and have signed an on-line waiver, the club and the member who accidentally struck their teammate, would have coverage under the General Liability policy. If the member who was struck is also a Championship member, there would be medical payment coverage under the Excess Medical policy.

7 A rower is struck with an oar while participating in a REGISTERED regatta. When teams participate in a USRowing registered regatta, they are guaranteed that every club participating is insured either under the USRowing policy or under their own policy. USRowing collects certificates of insurance from every participating organization. The person who accidentally struck the rower has insurance and would be covered under their own policy which may or may not be USRowing coverage. If the person who were struck was a Championship member, they would have medical payments coverage under the Excess Medical policy.

8 Two boats collide while participating in a Registered regatta. One boat has damage; the other does not. When teams participate in a USRowing registered regatta, they are guaranteed that every club participating is insured either under the USRowing policy or under their own policy. USRowing collects certificates of insurance from every participating organization. The team or person who caused the accident has insurance and would be covered under their own policy which may or may not be USRowing coverage. Their policy should pay for the damages.

9 Two boats collide while participating in a Registered regatta. No one can determine who is really at fault. This may be one of those incidents where each club is responsible for their own damages and has to submit their damages to their equipment carrier.

10 A member slips and falls at your boathouse. The club would be protected under the General Liability policy. If the member were a Championship member, they would have medical payment coverage under the Excess Medical policy.

11 A non-member slips and falls at your boathouse. The club would be protected under the General Liability policy. There would also be $5,000 of medical expense coverage for the nonmember.

12 A shell being carrier by the crew accidentally hits a vehicle and causes damage. The General Liability policy will pay for damages caused by the crew. Windstorm blows an unhitched trailer into a parked car. Same as above. The General Liability policy will pay for damages caused by the trailer.

13 A member is storing their boat in your boathouse and it becomes damaged but no one knows how. This is not covered under the General Liability policy. The club is not responsible for damage to boats stored by others that was not caused by the club or a member of the club. All clubs in the practice of storing boats for others or leasing out space should have a lease agreement in place indicating the club is not responsible for damages to boats being stored.

14 A member is storing their boat in your boathouse and it becomes damaged when the roof collapses due to weight of snow. This is not covered under the General Liability policy. The club is not responsible for damage to boats stored by others that was not caused by the club or a member of the club. The weight of the snow is an act of God.

15 A member is storing their boat in your boathouse, a rack comes loose and all the boats stored on the rack are damaged. This is covered under the General Liability policy. The rack was installed by the club and should have been secured to the wall. The General Liability policy would pay for the damages.

16 An attendee at a regatta slips and falls on a dock. The host club is sued. This is covered under the General Liability policy provided the regatta is registered. An attendee at a regatta falls on a sidewalk not maintained by the host club. This is not covered under the General Liability policy as the host club does not maintain the sidewalks. Coverage will, most likely, come from the entity responsible for the sidewalks.

17 A tent being erected at a regatta blows over and damages a car roof. Coverage for this damage would come from either the club or the vendor who erected the tent. If the club who erected the tent is a USRowing member organization, the General Liability policy will pay for damage to the car. If a vendor erected the tent, the coverage would come from the vendor s policy.

18 An attendee at a regatta sues a host club when she is bitten by a dog. The event is not a registered event. The coverage for this type of injury would come from the homeowner s policy. An attendee at a regatta sues a host club when she is bitten by a dog. The event is a registered event. Again, the coverage for this type of injury would come from the homeowner s policy although the host club would be protected under the USRowing policy.

19 A USRowing referee is accused of and sued for favoritism. Covered under G/L. A USRowing referee is sued for not reporting an incident. Covered under G/L A USRowing referee is sued for reporting an incident. Covered under G/L.

20 Boats are stored on a temporary rack provided by a host club at a registered regatta. The boats become damaged when a storm hits and blows the racks over. Coverage is not provided because the storm is an act of God. Boats are stored on a temporary rack provided by an host club at a registered regatta and the boats are damaged when the racks collapse. Covered is provided under the General Liability policy and would pay for the damages.

21 A rower accuses her coach of sexual abuse. The parents sue the club and the coach. This incident is covered under General Liability policy. The Coach may not be covered if incident were intentional but the club would still be covered. A coach is accused of causing physical harm to a rower for improper teaching technique. This injury is covered under the covered under General Liability policy.

22 A club borrows their neighbor s truck to pull a club trailer. This is not covered under Hired Non Owned Auto Liability. The neighbor s policy would apply. If the neighbor s limit were exhausted, the USRowing coverage would protect the club but not the neighbor.

23 A club rents a vehicle to pull a club trailer. This is covered under Hired Non Owned Auto Liability. The coach is using his own vehicle to pull a club trailer. This is not covered under Hired Non Owned Auto Liability. The coach s policy would apply. If the coach s limit were exhausted, the USRowing coverage would protect the club but not the coach.

24 My neighbor is pulling a club trailer and hits another vehicle on the road. This is not covered under Hired Non Owned Auto Liability. The neighbor s policy would apply. If the neighbor s limit were exhausted, the USRowing coverage would protect the club but not the neighbor.

25 A rented vehicle is damaged while parked at a regatta. This is not covered under Hired Non Owned Auto Liability. You can purchase Hired Physical Damage coverage either through Roehrs or the rental car company. A rented vehicle causes damage to another vehicle. This is covered under Hired Non Owned Auto Liability.

26 A rented vehicle is pulling a club trailer. A boat strap breaks, the boat falls from the trailer causing damage to a vehicle behind it. This is covered under the Hired Non Owned Auto Liability. Same as above but the boat is damaged. This is not covered. There should be an equipment policy in place.

27 A rower is ambulanced to a hospital after falling ill at a regatta. He has some out of pocket expenses not picked up by his primary insurance carrier. This is covered under Excess Medical policy but ONLY IF THE MEMBER IS A CHAMPIONSHIP MEMBER. A rower is involved in a fatal accident while driving to a regatta. This is covered under Excess Medical policy but ONLY IF THE MEMBER IS A CHAMPIONSHIP MEMBER.

28 A Championship rower has some dental bills that are not picked up by his primary insurance carrier, however, he was not injured while rowing. This is not covered under Excess Medical. The injury has to be sustained while participating in a rowing-related activity.

29 PLEASE BE SURE ALL OF YOUR PARTICIPANTS WHETHER THEY ARE MEMBERS, GUESTS, LEARN TO ROW PARTICIPANTS, ETC ARE SIGNING THE USROWING WAIVER EITHER ON-LINE OR USING A PAPER WAIVER. COVERAGE WILL BE DENIED IF IT S DETERMINED THE CLUB IS NOT IN THE PRACTICE OF OBTAINING SIGNED WAIVERS ON A REGULAR BASIS.

30 In the event of a claim or incident that could become a claim, please contact Wendy Pierce at Roehrs & Company, Inc. Wendy Pierce business phone cell phone wendypierce@roehrs.com