1 / 11

ARE YOU COVERED?

ARE YOU COVERED?. 3 Main Points. Liability Coverage Accident Coverage Volunteer Coverage. Liability Insurance –

eman
Download Presentation

ARE YOU COVERED?

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript


  1. ARE YOU COVERED?

  2. 3 Main Points Liability Coverage Accident Coverage Volunteer Coverage

  3. Liability Insurance – Generally, covers incidents/injury resulting from a wrongful act/judgment of the insured (UK employees & volunteers – while acting within their scope of duties). This means we were at fault or contributed to the incident. All covered events/activities MUST be UK sponsored and supervised.

  4. EXAMPLES: **4-Her gets hurt playing on a swing that the agent/leader believed could be faulty.**Farm Field Day hayride tips over after agent/volunteer drives over steep dip or hill.**Top comes off a pressure canner during a canning demonstration and agent/volunteer instructor was aware of a cut in the seal.

  5. Coverages: KaCo General Liability Insurance (must be purchased by counties) **Does have exclusions such as livestock, shooting sports, farm equipment, etc. **Counties want Errors & Omissions coverage – decision making errors **Counties want Non-owned Auto coverage – for transportation in an employee’s & leader’s personal vehicle. UK Risk Management does not cover this at all! KaCo coverage is primary for this. **Read your declarations page and policy for coverage and exclusions. UK Risk Management (Provided by UK) **Covers liability with exception of motorized watercraft – does pickup those exclusions from KaCo such as shooting sports, livestock, etc. **UK Risk Management recommends excess coverage for accidents – especially for high risk activities/events. **Contact Information: Todd Adkins, twadki2@email.uky.edu, (859-257-3708) for questions

  6. Accident Insurance – Generally, covers incidents/injury resulting from accidents – no fault of employees/volunteers in charge. Covers those accidents/injuries which may not be covered by liability insurance plan.

  7. EXAMPLES: (1) Two 4-Her’s get hurt while horse playing at a 4-H event/activity. Horseplay is an exclusion under both liability policies.(2) Farmer burns himself while grilling for a Livestock Association event/activity.(3) Homemaker nearly cuts finger off and needs stitches while helping agent/other Homemakers prepare for the Annual Meeting.

  8. Possible Accident Coverages: ** Generally covers accidents and injuries where there is no liability on the part of the UK employee or volunteer -- trips, falls, horseplay, “accidents”, etc. 1.Can purchase Accident Coverage through KaCo or other insurance carrier. Contact agent for more information and quote. Can purchase American Income Life www.AmericanIncomeLife.com **Can cover entire clubs – both leaders and participants – all activities – all year long **Can cover specific events/activities as well **Covers primary or secondary whichever is best for injured Excess Insurance (can be purchased through UK Risk Management) www.uky.edu/EVPFA/Controller/risk.htm **Cover on a per event basis **Covers both participants & leaders

  9. Volunteer Insurance – Provides additional accident, liability and auto coverage for VOLUNTEERS while performing their volunteer duties. It is important to consider whether or not you have insurance that will cover injuries/accidents to the volunteers themselves. Liability policies do NOT cover injuries to volunteers while they are acting in a leadership role! Instead - -volunteers are considered UK employees and therefore not covered for injuries to themselves.

  10. Volunteer insurance provides “accident/personal injury” coverage that is excluded for volunteers in leadership roles AS WELL AS additional liability and auto coverage. Available for $11.50-$17.75 per volunteer/per year through Kentucky Commission on Community Volunteerism and Service @ www.volunteerKY.ky.gov.

  11. SUMMARY Liability Coverage 2. Accident Coverage and/or 3. Volunteer Coverage

More Related