CGL Policy also provides up to $10,000 per person in accidental medical
benefits. The $5,000 medical payment benefit is available only to nonmembers.
It is designed to reimburse nonmembers for medical costs they incur
as a result of any injury they sustain while attending a sponsored club
The policy pays on behalf of the insured for those sums that they become
legally obligated to pay as damages because of bodily injury or property
damage, and pays defense fees in addition to the benefit limit.
The policy is designed to cover the usual and customary disclosed activities
of a club. However, it does include the standard general liability exclusions
of claims for war, nuclear, auto, aircraft, watercraft, and professional
liability. Also personal property loaned to you or in your care, custody
and control is excluded. It also excludes claims arising from abuse
and molestation. The policy does include host liquor liability; however,
liquor liability for the sale of alcoholic beverages or those situations
where a license is required are not included.
clubs may have limits that differ from those shown above. This page
explains the general purpose of the insurance, but in no way changes
or affects the policy that is actually issued. Complete details can
be found in the insurance policy from your club insurance representative.