Statement of Insurance
SUMMARY OF COMMERCIAL GENERAL LIABILITY (aka CGL):
The CGL is written with “First Named Insured” being A.B.A.T.E. of Minnesota, Inc. The insured’s also include the member chapters and Dial-A-Ride is now considered a chapter. Also all individual members of ABATE are included as additional insured’s.
The CGL provides protection to insured’s for claims for damage due to bodily injury including death, property damage of others, personal injury, advertising liability brought against the “insured’s” as result of the insured’s negligence which caused the damages. The policy would have to be read to define what each covered cause of loss is.
Under all CGL policies, there are certain types of actions that the insured’s could do that the coverage would not apply to. Those actions under the policy are defined as Exclusions. There are many standard exclusions on all CGL policies such as:
. Expected or intended injury
. Assumption of liability by contact that is not an “insured contract”
. Claims arising out of the use of alcohol
. Workers Compensation claims or injury to leased workers or ind. contractors
. Employers Legal Liability coverage
. Pollution, contamination, mold or fungi claims of all nature
. Auto/aircraft/watercraft/motorcycles owned/leased/used by insured’s
. Property damage to property owned by the insured or I the care custody & control of the insured.
Other special exclusions under this policy are:
Bodily injury/death to any person “participating” in an event of the insured arising out of a motorcycle or other motorized vehicles.
Athletic or sports participants of events sponsored by the insured.
Employment related practices by the insured (i.e. discrimination etc)
Communicable diseases
Punitive damages awarded against any insured
Injury to any member or any volunteer worker arising out of in the course of work performed on behalf of the Named insured.
Assault & battery injuries
Sexual Actions/Abuse claims
The liability coverage is also extended to provide coverage for bodily injury and/or 3rd party property damage claims arising out of a “non-owned” automobile of the “First Named Insured”. What that means if any person is operating a vehicle on behalf of A.B.A.T.E. of MN or its chapters and that person is involved in an automobile accident; the association is protected for claims that may be brought against the association due to vicarious imposed liability arising out of the non-owned automobile. It is important to remember that this coverage does NOT provide any protection for the owners or operators of such vehicles. Under Minnesota law, all owners or lessees of vehicles must carry liability insurance. In the event that the association was found to be responsible, the coverage will only apply in excess of whatever primary liability is available on the owned vehicle of the operator.