Without a group insurance program, most organizations would pay much higher premiums for their own separate general liability policy. This separate policy would most likely exclude Sexual Abuse and Molestation, which could cost upwards of $5,000 or more, depending on the size of the organization.

Working though AssuredPartners, USRowing is able offer a comprehensive general liability insurance policy, including Sexual Abuse and Molestation, at greatly reduced rates. Organizational members of USRowing also receive the benefit of having AssuredPartners as their broker, giving them one point of contact for various lines of coverage.

If you have questions about the insurance program or liability limits listed below, contact Rachel Kelley at rachel.kelley@assuredpartners.com or (856) 996-1825.
 

Limit of Liability per Occurrence**	(limit per incident) $2,000,000
Policy Aggregate per Location**	(limit per year) $6,000,000
Products/Completed Operations Aggregate**	$3,000,000
Personal and Advertising Injury**	$2,000,000
Sexual Abuse & Molestation/Occurrence	$1,000,000
Sexual Abuse and Aggregate	$2,000,000
Errors & Omissions Coverage for Coaches	(Included)
Participant Legal Liability	(Included)
Fire Legal Liability	$   300,000
Medical Payments (non-participants)	$       5,000
Deductible	$               0
Hired/Non-Owned Auto Liability	$1,000,000

Excess Accident Medical/Dental Expense	$25,000
Accidental Death Benefit	$25,000
Accidental Dismemberment Benefit	up to $50,000
Accidental Paralysis	$50,000
Disappearing Deductible per Claim**	$     250

*Policy benefit period is 52 weeks. Coverage applies from date of injury.
**The disappearing deductible feature means that when any amount up to the $250 deductible is paid toward a claim whether it is paid by a primary policy or by the claimant, the deductible will be reduced by that amount.

What To Do In the Event of a Claim
It is important to notify AssuredPartners as soon as possible of any claim (or potential claim) so that they can be involved in the entire process. Visit their website to complete an Incident Report or download a copy of the report. If property damage is involved, take as many pictures of the damage as possible. Try to protect the property from further damage and save any receipts if expenses are incurred to do so.

Do not admit liability. Obtain contact information for all involved parties. Get names and phone numbers of any witnesses. Report any crimes that have been committed, such as theft or vandalism, to the police.

You should also contact AssuredPartners at (856) 996-1825 as soon as possible to report if you receive an attorney letter of representation or lawsuit. If you’re not sure if you have a claim, consult your agent, Rachel Kelley, to discuss the incident in detail.