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One of the many benefits to being a member of the BASS Federation
comes with the $1,000,000 liability insurance coverage those
members receive. The policy is unique and has a variety of ways
to benefit both the club and the individual members. Its coverage
period runs from January 1st - December 31st (Yearly). To better
help our members understand this policy, and for those of you
who are interested in the Federation, lets take a few moments
to evaluate this policy.
First of all, we will outline what the policy does not cover.
The BASS Federation insurance coverage does not replace our members
own boat liability insurance. However, this policy does include
a non-owned boat liability coverage which will protect the insured
with the exception of the boat owner. The boat owner's insurance
will protect him or her. Remember, this insurance coverage in no
way replaces your need to carry personal liability, boat liability
or auto liability insurance.
Events in which an admission fee is charged are excluded from
this policy (Entry fees are not considered admission charge.) For
an additional charge we will be able to cover these events subject
to the Underwriting Company's approval.
If a boat owner causes an accident and is sued for more than his
boat liability coverage, this policy will not provide the difference.
There is no coverage for claims between members. All members are
Named Insured by definition and claims between members are not
covered. The members could look to their boat, homeowner or auto
insurance for applicable coverage, if claim arises.
No coverage is provided to the non-member if they cause injury
to a 3rd party (including members), but the members and the Federation
is still protected for their actions or if the Federation Chapter
is named in a suit. Non-members protection should come under their
personal liability (homeowners, boat or auto policy) regarding
injury or damage to personal property. There is no coverage to
the Federation with respect to non-members' actions.
There is not a need to list all chapter events before they occur.
This policy covers official events automatically without need for
individual listings of these events. (Tournaments, CastingKids,
meetings, charity events, ect.). Events should be documented in
the minutes of the meeting.
So what does this $1,000,000 liability insurance cover? Well,
it covers claims resulting from bodily injury and property damage
to a third party. It will also cover $1,000,000 for each occurrence
which results in a claim.
The policy will cover your chapter if you are serving food and/or
alcohol. There is a host liquor liability coverage. That is, if
you are not in the business of manufacturing, distributing, selling,
serving or furnishing alcoholic beverages.
There is coverage for your club if you are participating in an
outdoor show. If the outdoor show charges the club for booth space
and then charges you general admission to get in, the club is covered
for those events that might occur around your booth.
Coverage is afforded for an Open Tournament. Members (Insured)
are covered for claims that may arise from the activities of a
non-member. However, the non-member is not an insured and no coverage
is afforded to the non-member.
All of this is great for your club, right?! So here's how you,
as an individual receive benefits from this policy. In addition
to the $1,000,000 club liability insurance coverage, for each member
in good standing of that club and the BASS Federation, there is
an additional $9,000 Accidental Death & Dismemberment policy.
This is a standard AD&D policy and the coverage period runs
from January 1st through December 31st (Yearly), 24 hour per day.
The exclusions for this coverage are suicide, disease, military
service, and some air travel on private planes.
For clubs needing an event insurance endorsement
and certificate request, please see the form below. Fax the
form to (260) 459-5120.
Downloadable Forms
Request
for certificate of insurance
Updated Insurance Information Coverage as of 5/4/2004
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