[ARDF] ARRL Club insurance now covers ARDF

[homingin at aol.com]

 Matthew asked:
> Is there a procedure in place for groups to get insurance 
> certificates sent to a park office?

I've been appealing to ARRL Headquarters to solve the ARDF insurance problem for a long time.? When the change was first announced, I held back to make sure that it was really going to help us, and the Fullerton Radio Club has been helping me as a test case.

Unfortunately, there isn't any detailed information about the club insurance program at the official Web site, which is www.arrlinsurance.com.? To get things started, you have to fill out an online application with information about the club, nature of its activities, number of members and such.? After you send that in, you'll then get a quote back promptly from Hays, typically for a million dollars of coverage per occurrence.? In the Fullerton club case, the quoted premium was less than they were paying under the previous plan (Marsh) that didn't include ARDF.? I asked for a quote for two million per occurrence, because a superintendent told me that this is the requirement of LA County Parks.? Coverage over a million has to be specially quoted by the carrier, so I'm still waiting for that quote.

The cover letter with the quote has contact information for the Hays liaison for ARRL clubs, who is Jennifer Warzecha.? Jennifer is well aware of the ARDF coverage issue.? She can send you a copy of the policy provisions (the Specimen Policy, 16 pages of fine print) if you want to review it.? If you need a certification of coverage to send to a park, her office can provide it.

73,
Joe Moell K0OV



 



-----Original Message-----
From: Matthew Robbins <cedarcreek at gmail.com>
To: homingin at aol.com <homingin at aol.com>
Cc: ardf at kkn.net <ardf at kkn.net>
Sent: Tue, May 24, 2011 8:22 pm
Subject: Re: [ARDF] ARRL Club insurance now covers ARDF

 
 
 
Joe,  
 
This is great news! Is there a procedure in place for groups to get insurance  
certificates sent to a park office?  
 
Thanks for this.  
 
Matthew 
Cincinnati 
 
 
 
On May 23, 2011, at 4:17 PM, homingin at aol.com wrote: 
 
> A significant impediment to ARDF development in some localities has been the  
requirement for permits and liability insurance by parks and other venues.? For  
instance, it is not uncommon for county or state park officials in California to  
demand two million dollars of liability indemnity for a radio-orienteering  
session, even if the session is informal, no fees are charged to the  
participants, and there are less than a dozen persons in attendance.? The former  
ARRL Club Insurance Program under Marsh had a specific exclusion of liability  
coverage for "the activities of any participant in a game, contest, race or  
sporting event, including practice."? The company stated that on-foot  
transmitter hunting fit that definition. 
>  
> As a result, some clubs putting on events at these sites have partnered with a  
chapter of the US Orienteering Federation, whose liability insurance covers  
sports.? But USOF chapters aren't in every state.? The only other option has  
been to take out a short-term liability policy specific to the site at a cost of  
$200 or more per day.? That's unacceptable for an informal practice with a  
handful of participants. 
>  
> I am pleased to report that the new ARRL Club Liability Insurance under Hays  
Affinity Group does not exclude radiosports in its liability coverage.? If  
someone were to be injured at an insured club's ARDF session and were to file a  
lawsuit, claiming it to be the fault of the club or the indemnified venue, ARRL  
Club Insurance will defend them and cover any resulting losses up to the limits  
of the policy.? However, the bodily injury provisions of ARRL Club insurance  
(typically $10,000 medical coverage) do have a specific exclusion for sports.?  
Individuals participating in radio-orienteering should always have their own  
healthcare coverage. 
>  
> Information on ARRL Club Insurance is at http://www.arrlinsurance.com 
>  
> 73, 
> Joe Moell K0OV 
> ARRL ARDF Coordinator 
>  
>  
>  
>  
>  
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