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Explore URMIA
The Camps Program works similarly to a | General Aggregate Limit | $2,000,000 |
| Products & Completed Operations Aggregate Limit | $1,000,000 |
| Each Occurrence Limit | $1,000,000 |
| Personal/Advertising Injury Limit | $1,000,000 |
| Fire Damage Limit | $100,000 any one fire |
| Medical Payment Limit | Excluded |
| Abuse or Molestation | Each Occurrence $50,000 |
| In the Aggregate $100,000 | |
| Terrorism Risk Insurance Act (TRIA) | Included |
| Minimum General Liability Premium is $225.00 | |
| There is no restriction of third party property damage coverage to the institution. | |
Excess Accident Medical Coverage Underwritten by: AIG Life Insurance Company, a Delaware insurance company, has its principal place of business at 600 King Street, Wilmington, Delaware 19801. It is currently authorized to transact business in all states (except New York), District of Columbia and Puerto Rico. NAIC No. 66842.
AIG Life Insurance Company Rated A+ (Superior)
- $25,000 limit required for Class I Programs
- $100,000 limit required for Class II Programs
- $100 Deductible
- $5,000 Accidental Death & Dismemberment
- 52 Week Benefit Period
- $1,500 per Tooth per Accident
- Overnight Camps Include a $1,000 Sickness Benefit
This is only a brief description of the coverage(s) available under policy series. The Policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern.
Optional Coverages: Additional limits are available for $1,000 per $million in limits, i.e.$1,000,000 in additional limits is $1,000; $2,000,000 in additional limits is $2,000 etc. up to $5,000,000 in limits for $5,000.
Additional insureds may be added for $25.00 per insured.
How does it work?
This is a web based program. Institutions who wish to participate must subscribe on the TULIP/CAMPS subscription form. Subscription is free of charge. The key URMIA representative is responsible for the Institutions’ subscription. Once the Institution has subscribed, the Institution will be issued two Pass Codes which are the same for the TULIP and the Camps Program.
External Users (third parties with no relation to the institution, and no institutional financial support) who need insurance will be directed to the Web site by the Events Office. They will need to log in, complete an application form and pay by credit card for their coverage. Upon completion of the transaction, they will receive via e-mail a copy of their application and a binder of coverage. The Institution risk management office and the Events Office will each receive a copy of the application (describes the event) and a certificate of insurance. The Events Office is responsible for checking the application against the agreement for facilities use to verify that the correct information was provided.
Internal Users would not be expected under the Camps Program.
For all events, the Institution will be named as Additional Insured.
Class I and II Camps, except those noted as "pend" (e.g. adult rugby) will be automatically underwritten, and Users should be able to complete their transaction in one web session, if they pay by credit card or have authorization to bill to the Institutional account. If they do not pay by credit card or bill to an account, their application will be held until payment is received. High Risk activities (those not listed in the drop down boxes) must have an application filed by fax. These events are individually underwritten. You must allow at least 10 days from the date your complete application is received for a quote. If your on-line or hard copy application is not complete, there may be additional delays. There is no guarantee that all camp programs can be underwritten.
How do I access coverage?
- The Institution where you are having your event must be an URMIA Member Institution that has subscribed to the coverage.
- You must be an approved facilities user at the Institution, and be given a Pass Code by the Events Planning Office, or its equivalent.
- You must go to this Web site. You will need to log in, choose Camps, complete an application form and pay by credit card for your coverage. For all pre-approved camps (they appear in the drop down box) you should be able to complete your transaction in one web session. Costs are based upon the risk of the activity, the number of days of the activity, the number of participants and if there are any special activities. Upon completion of the transaction, you will receive via e-mail a copy of their application and a binder of coverage. A copy will be sent to the appropriate offices at the Institution confirming your transaction.
Other Camps Program Requirements
All Camps Program participants are required to sign a waiver that includes the camp and the institution. Important: In order to get the full benefit of the insurance provided, camps and sports clinics must require that all program participants (and/or parents for minor participants) sign a valid waiver or release. If a program fails to obtain any individual participant waivers, the program will be liable for the first $2,500 of each occurrence (including supplemental payments) resulting in an "athletic participant" legal liability claim. In other words, if you do not have a waiver from a participant, and that participant files a claim, you will be subject to a $2,500 deductible for that claimant.
All Camps Programs for Minors are required to have and implement a Sexual Molestation Prevention Program [PDF].
FAQ's
- I don’t see my type of event in the drop down boxes? What should I do?
You probably have what underwriters consider a "high risk event". Contact Sharon Mastbrook for assistance. Events that are not pre-rated have to be individually underwritten.
- My access code doesn’t seem to be working. What should I do?
Check it again with the institution. If there is an institutional problem, they will contact the program.
- What about events that are held next to the campus but not on property owned by the University?
For example, the municipal center next to our campus uses our parking for overflow for events there. They want us to be responsible for arrangements with third parties using the parking. Say no. Arrange a contract with the municipality to cover losses arising out of events that they authorize, but make the responsibility theirs by extension.
Contact Us
Tenant User Department
Marie Wiginton
Bene-Marc, Inc.
6301 Southwest Blvd. Suite 101
Fort Worth, TX 76132
(800) 247-1734, ext. 308
mwiginton@bene-marc.com
Contact Marie if you are having difficulties with the web site or have questions about high risk activities or other program details.
Partner
Liability Coverage is administered by Bene-Marc and Entertainment Brokers International (License #0773887).
The pre-rated TULIP program is underwritten by Clarendon Insurance Company. Other coverages may be written by other underwriters. Check back later for more information.