WEDDING AND WEDDING RECEPTION INSURANCE PROGRAM
A LIABILITY INSURANCE PROGRAM PROVIDING PROTECTION FROM LAWSUITS OF BODILY INJURY AND/OR PROPERTY DAMAGE
(HOST LIQUOR INCLUDED)
Wedding and Wedding Reception Insurance Program A Liability Insurance Program Providing Protection from Lawsuits of Bodily Injury and/or Property Damage (Host Liquor Included) You've fallen in love, and now you want to celebrate that love with your friends and family. You want to be unique and commemorate your wedding with an incredible party for your friends and family, who love and support you and your partner. What happens when someone gets hurt, and your wedding celebration turns into a financial and emotional strain on your guests? It may seem unnecessary now, but insuring your wedding can help guarantee that your special day will leave you with pleasant, loving memories of your wedding.
Your wedding can be the happiest day of your life. Months of planning mean that you should enjoy the wedding of your dreams. You may have made all the arrangements for your forthcoming wedding, or you could still be in the planning stages for the big day. Whatever your circumstances, Zoom Insurance can help you protect your family and friends during your celebration. Hopefully your wedding day will take place with no setbacks, but unfortunately, accidents do happen.
Whether you are looking for one-day liability coverage or a three-day package, Zoom Insurance offers quality insurance with the lowest possible premium cost to you. Our firm understands the financial demands that a wedding places on a bride and groom, and their families. We want to make sure the financial stresses are over with the wedding. Protect your loved ones from the emotional and financial burden that one can incur as the result of a loss or injury. Zoom Insurance offers specialized insurance for your wedding, from the number of guests you plan to have at your wedding, to the day-after brunch, our unique program is affordable and unmatched in the insurance industry.
WHO IS COVERED
This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.
COVERAGE INCLUDES SUITES ARISING OUT OF:
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Incidental medical malpractice
- All activities necessary to conduct wedding or wedding related events
- Ownership, use or maintenance of facilities
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
- Corporal punishment
EXCLUSIONS
Claims made by athletic participants, aircraft, all acts of terrorism, asbestos liability, assault and battery, collapse of temporary structure, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, professional liability, pyrotechnics activity, total pollution, war liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.
Note: There is no liability coverage for claims arising out of any of the following activities: All motor sports, ballooning, bungee jumping, cheer leading pyramids, gymnastics, inflatables, luge, mountain climbing, parachuting, polo, rock climbing, rodeo or any equestrian related sports, sale/manufacture or distribution of any athletic equipment, skin diving, SCUBA diving, snow skiing, squash, tobogganing, use of saunas or other tanning devices, use of trampolines, water slides, white water rafting or any saddle animal exposures.
INSURER
The general liability coverage is provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.
PREMIUMS
$1,000,000.00 Per Occurrence / $1,000,000.00 Aggregate
- Program Rate 1 Day Wedding up to 1,000 in attendance:$250.00
- Program Rate 1 Day Wedding 1,001–2,000 in attendance:$295.00
- Program Rate 3 Day Package up to 1,000 in attendance:$295.00
- Program Rate 3 Day Package 1,001–2,000 in attendance:$345.00
- Premium cost to increase the general aggregate to $2,000,000.00:Additional 5% of total premium
Please note that a $10.00 Credit Card Processing Fee will be added to all orders. Credit Card Fee does not apply in FL.
THE OPTIONAL COVERAGES
$5000 MEDICAL EXPENSE BENEFIT
This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.
INCREASED AGGREGATE
This option increases the aggregate limit of liability insurance to $2,000,000.
This summary of coverage and exclusions is no substitute for reading the entire policy. To receive an entire policy, contact the program administrator.
DANCE SCHOOLS AND STUDIOS
SPECIALTY ACCIDENT & LIABILITY INSURANCE COVERAGE
As a performing art, dance allows students both young and old to express their emotions through body movement. Participation can provide physical fitness, discipline and entertainment… but can also result in accident and injury. Many families have little or no medical insurance, and those who have coverage may be required to meet large deductibles before their insurance pays any benefits. In addition, studio owners run the risk of personal exposure to lawsuits through a participant’s injury claim and liability insurance requirements mandated by lenders or landlords.
This Specialty Insurance Program for Dance Schools and Studios is designed to help eliminate the financial and emotional burden one can incur as a result of a lawsuit or participant injury claim. Accident and liability insurance coverage is offered as a standard product with optional coverages also available such as equipment, hired and non-owned automobiles and additional higher liability insurance limits.
THE ACCIDENT COVERAGE
$100,000 Benefit
(Pays the medical bills of an injured student or staff member)
MEDICAL EXPENSE BENEFIT
If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of accident. Payment will be made for eligible expenses in excess of the applicable $100 Deductible Amount, not to exceed the Maximum Medical Benefit. The first such expense must be incurred within 90 days after the date of the accident. "Eligible expense" means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.
- Medical and surgical care by a physician
- Radiology (X-rays)
- Prescription drugs and medicines
- Dental treatment of sound natural teeth
- Hospital care and service in semiprivate accommodations, or as an outpatient
- Ambulance service from the scene of the accident to the nearest hospital
- Orthopedic appliances necessary to promote healing
Excess coverage: This plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Covered Person.
ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT
Benefit Amount is $50,000. If a covered injury results in any of the losses specified below within 365 days of the date of the accident, the Company will pay the applicable amount:
- Full Principal Sum for loss of life, double dismemberment or quadriplegia
- Full Principal Sum for loss of sight, loss of hearing, or loss of speech that is irrecoverable by natural, surgical or artificial means
- 50% of the Principal Sum for loss of one arm, one leg, one hand, or one foot
- 50% of the Principal Sum for paraplegia or hemiplegia
- 50% of the Principal Sum as a monthly benefit for Coma
- 25% of the Principal Sum for loss of index finger and thumb of same hand or four fingers of the same hand
We will not pay more than the Principal Sum for this benefit for all losses due to the same accident.
THE LIABILITY COVERAGE
$1,000,000 COVERAGE
(Protects you in the event of a lawsuit or property damage)
WHO IS COVERED
This $1,000,000 occurrence form general liability program provides protection for your Dance Studio, owners, directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.
COVERAGE INCLUDES SUITS ARISING OUT OF:
Includes coverage for all on and off site seminars.Up to 3 additional Insureds such as landlords or venues may be added at no additional charge.PREMIUM RATESThe combined Accident and Liability premium rate begins at:$4.15 Per Person Per Year (minimum premium $475.00)
Staff members are included for no extra charge. Please note that independent contractors are not considered staff, however they may be added for an additional premium under optional coverages.Note: Certain exclusions and limitations may be modified to meet individual state requirements.Please note that a $10.00 Credit Card Processing Fee will be added to all non-financed credit card orders. Credit Card Fee does not apply in FL.
- Injury or death of participants
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Host liquor liability (nonprofit)
- General negligence claims
- All activities necessary or incidental to conduct of activities
- Cost of investigation and defense of claims, even if groundless
- Ownership, use, or maintenance of gyms, fields, or practice areas
Includes coverage for all on and off site seminars.
Up to 3 additional Insureds such as landlords or venues may be added at no additional charge.
PREMIUM RATES
The combined Accident and Liability premium rate begins at:
$4.15 Per Person Per Year (minimum premium $475.00)
Staff members are included for no extra charge. Please note that independent contractors are not considered staff, however they may be added for an additional premium under optional coverages.
Note: Certain exclusions and limitations may be modified to meet individual state requirements.Please note that a $10.00 Credit Card Processing Fee will be added to all non-financed credit card orders. Credit Card Fee does not apply in FL.
THE OPTIONAL COVERAGES
INDEPENDENT CONTRACTORS
Independent contractors working at your studio can be added as additional insured to cover them while they are instructing at your facility only.
EQUIPMENT COVERAGE
This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit. Equipment coverage (optional) is provided by Atlantic Specialty Insurance Company, "A" (Excellent) rated by A.M. Best Company.
HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on dance school or studio business.
EXCESS LIABILITY COVERAGE
This coverage provides additional liability limits increasing the liability coverage per each occurrence.
INCREASED AGGREGATES
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.
SEXUAL ABUSE AND MOLESTATION
Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.
$5,000 MEDICAL EXPENSE BENEFIT
This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.
INSURER
The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.
MARTIAL ARTS SCHOOLS AND STUDIOS
SPECIALTY ACCIDENT & LIABILITY INSURANCE COVERAGE
Martial Arts allows students both young and old to learn self defense, discipline, enlightenment, coordination as well as many other qualities. Participation though, may also result in accident and injury. Many families have little or no medical insurance, and those who have coverage may be required to meet large deductibles before their insurance pays any benefits. In addition, studio owners run the risk of personal exposure to lawsuits through a participant's injury claim and liability insurance requirements mandated by lenders or landlords.
This Specialty Insurance Program for Martial Arts Schools and Studios is designed to help eliminate the financial and emotional burden one can incur as a result of a lawsuit or participant injury claim. Accident and liability insurance coverage is offered as a standard product with optional coverages also available such as equipment, hired and non-owned automobiles and additional higher liability insurance limits.
THE ACCIDENT COVERAGE
$100,000 Benefit
(Pays the medical bills of an injured student or staff member)
MEDICAL EXPENSE BENEFIT
If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of accident. Payment will be made for eligible expenses in excess of the applicable $250 Deductible Amount, not to exceed the Maximum Medical Benefit.The first such expense must be incurred within 90 days after the date of the accident.
"Eligible expense" means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.
- Medical and surgical care by a physician
- Radiology (X-rays)
- Prescription drugs and medicines
- Dental treatment of sound natural teeth
- Hospital care and service in semiprivate accommodations, or as an outpatient
- Ambulance service from the scene of the accident to the nearest hospital
- Orthopedic appliances necessary to promote healing
Excess coverage: This plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Covered Person.
ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT
Principal Sum is $100,000 with a $500,000 aggregate. If a covered injury results in any of the losses specified below within 365 days of the date of the accident, the Company will pay the applicable amount:
- Full Principal Sum for loss of life, double dismemberment or quadriplegia
- Full Principal Sum for loss of sight, loss of hearing, or loss of speech that is irrecoverable by natural, surgical or artificial means
- 50% of the Principal Sum for loss of one arm, one leg, one hand, or one foot
- 50% of the Principal Sum for paraplegia or hemiplegia
- 50% of the Principal Sum as a monthly benefit for Coma
- 25% of the Principal Sum for loss of index finger and thumb of same hand or four fingers of the same hand
We will not pay more than the Principal Sum for this benefit for all losses due to the same accident.
THE LIABILITY COVERAGE
$1,000,000 COVERAGE
(Protects you in the event of a lawsuit or property damage)
WHO IS COVERED
This $1,000,000 occurrence form general liability program provides protection for your Martial Arts Studio, owners, directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.
COVERAGE INCLUDES SUITS ARISING OUT OF:
- Injury or death of participants
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Host liquor liability (nonprofit)
- General negligence claims
- All activities necessary or incidental to conduct of activities
- Cost of investigation and defense of claims, even if groundless
- Ownership, use, or maintenance of gyms, fields, or practice areas
Up to 3 additional Insureds such as landlords or venues may be added at no additional charge.
PREMIUM RATES
The combined Accident and Liability premium rate begins at:
$8.95 Per Person Per Year (minimum premium $450.00)
Staff members are included for no extra charge. Please note that independent contractors are not considered staff, however they may be added for an additional premium under optional coverages.
Note: Certain exclusions and limitations may be modified to meet individual state requirements.
Please note that a $10.00 Credit Card Processing Fee will be added to all non-financed credit card orders. Credit Card Fee does not apply in FL.
THE OPTIONAL COVERAGES
INDEPENDENT CONTRACTORS
Independent contractors working at your studio can be added as additional insured to cover them while they are instructing at your facility only.
EQUIPMENT COVERAGE
This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit. Equipment coverage (optional) is provided by Atlantic Specialty Insurance Company, "A" (Excellent) rated by A.M. Best Company.
HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on dance school or studio business.
EXCESS LIABILITY COVERAGE
This coverage provides additional liability limits increasing the liability coverage per each occurrence.
INCREASED AGGREGATES
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.
SEXUAL ABUSE AND MOLESTATION
Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.
$5,000 MEDICAL EXPENSE BENEFIT
This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.
TOURNAMENTS, SEMINARS OR CAMPS
This optional coverage provides protection for your events. Tournament, seminar or camp coverage can be purchased with your annual school policy or during the policy term using a "Manage My Tournaments, Seminars & Camps" link provided with your policy receipt email.
INSURER
The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.
PERSONAL TRAINER AND YOGA INSTRUCTOR INSURANCE PROGRAM
A LIABILITY INSURANCE PROGRAM PROVIDING PROTECTION FROM LAWSUITS OF BODILY INJURY AND/OR PROPERTY DAMAGE
WHO QUALIFIES FOR THIS PROGRAM?
- Certified Personal Trainers
(Must upload evidence of certification for Accredited Rates) - Uncertified Personal Trainers
(Non-Accredited Rates are higher than Accredited Rates) - Yoga Instructors
(Accredited Rates available with at least 50 hours of yoga instruction experience)
This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.
COVERAGE INCLUDES SUITS ARISING OUT OF:
- Injury or death of spectators
- Injury or death of participants
- Injury or death of volunteers
- Property damage liability
- Incidental medical malpractice
- All activities necessary to conduct training
- Ownership use or maintenance of fields or practice areas
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
- Corporal punishment
EXCLUSIONS
Abuse or molestation (unless optional coverage is selected), aircraft, all acts of terrorism, asbestos liability, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.
PLEASE NOTE THE FOLLOWING INELIGIBLE ACTIVITIES:
- Certified High School / College Athletic Trainers
- Coaching of Competitive Athletics
- Instructors under the age of 18
- Instructors based outside of the U.S.
- Physical Education Teachers working within the school systems
INSURER
The general liability coverage is provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.
PREMIUMS
- $1,000,000 Per Occurrence / $1,000,000 General Aggregate: $115.00 (Accredited) or $210.00 (Non-Accredited)
- $1,000,000 Per Occurrence / $2,000,000 General Aggregate: $121.00 (Accredited) or $221.00 (Non-Accredited)
- $1,000,000 Per Occurrence / $3,000,000 General Aggregate: $127.00 (Accredited) or $232.00 (Non-Accredited)
- $1,000,000 Per Occurrence / $4,000,000 General Aggregate: $133.00 (Accredited) or $244.00 (Non-Accredited)
- $1,000,000 Per Occurrence / $5,000,000 General Aggregate: $140.00 (Accredited) or $256.00 (Non-Accredited)
Please note that a $10.00 Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL.
Yoga Instructors need 50 hours of instructional experience to qualify for Accredited rates.
THE OPTIONAL COVERAGES
EQUIPMENT COVERAGE
This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.
HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on personal training business.
INCREASED AGGREGATES
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.
SEXUAL ABUSE AND MOLESTATION
Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.
This page has been designed to illustrate the highlights of this program but is not a contract. Some exclusions and coverages may be modified to meet individual state requirements. For specific details, please request a sample policy.
CAMPS, CLINICS & CONFERENCES
SPECIALTY ACCIDENT & LIABILITY INSURANCE COVERAGE
In the past, insurance coverage for conferences, sports camps and clinics was either too costly, too limited or not available at all. Schools, coaches and directors were either forced to pay extremely high insurance premiums, or to run camps and clinics without the proper insurance protection, therefore running the risk of personal exposure to lawsuits or a participant's injury claim.
However, this specialty insurance program has recently been developed to cover the inherent risks involved for the schools, park districts, coaches, directors and participants of today’s conferences, sports camps and clinics. Accident and liability insurance coverage is offered as a standard product with optional coverage also available such as equipment, hired and non-owned automobile, and additional higher liability insurance limits.
THE ACCIDENT COVERAGE
$10,000 BENEFIT
(Pays the medical bills of an injured student or staff member)
MEDICAL EXPENSE BENEFIT
If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of the accident. Payment will be made for eligible expenses in excess of the applicable $100 Deductible Amount, not to exceed the Maximum Medical Benefit.
The first such expense must be incurred within 90 days after the date of the accident.
"Eligible expense" means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.
- Medical and surgical care by a physician
- Radiology (X-rays)
- Prescription drugs and medicines
- Dental treatment of sound natural teeth
- Hospital care and service in semiprivate accommodations, or as an outpatient
- Ambulance service from the scene of the accident to the nearest hospital
- Orthopedic appliances necessary to promote healing
Excess coverage: This plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Covered Person.
ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT
Benefit amount is $2,500. If a covered injury results in any of the losses specified below within 365 days after the date of the accident, the Company will pay the applicable amount:
- Full Principal Sum for loss of life
- Full Principal Sum for double dismemberment
- Full Principal Sum for loss of sight of both eyes
- 50% of the Principal Sum for loss of one hand, one foot, or sight of one eye
- 25% of the Principal Sum for loss of index finger and thumb of same hand
"Member" means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss of eye means the total, permanent loss of sight.
We will not pay more than the Principal Sum for this Benefit for all losses due to the same accident.
THE LIABILITY COVERAGE
$1,000,000 COVERAGE
(Protects you in the event of a lawsuit or property damage)
WHO IS COVERED
This $1,000,000 occurrence form general liability program provides protection for your Camp, Clinic or Conference’s owners, directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.
COVERAGE INCLUDES SUITS ARISING OUT OF:
- Injury or death of participants
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Host liquor liability (nonprofit)
- General negligence claims
- All activities necessary or incidental to conduct of activities
- Cost of investigation and defense of claims, even if groundless
- Ownership, use, or maintenance of gyms, fields, or practice areas
Up to 3 additional Insureds such as School Districts or venues may be added at no additional charge.
PREMIUM RATES*
- Day Campers:
1 Day Policy Term: $2.60 per camper
2 - 3 Day Policy Term: $2.85 per camper
4+ Day Policy Term: $3.65 per camper - Overnight Campers: $4.70 per camper
- Day Staff: $2.10 per staff member
- Overnight Staff: $3.15 per staff member
Fully Earned Minimum premium is $373.00 for policies with less than annual terms and $425.00 for annual policies. The minimum premium does not include the optional coverages (see below). For policy terms over 7 days, a schedule of camp dates and participant numbers is required.* Higher premiums (15% - 25%) apply for Camps located in the following states: CT, FL, MS, NV, NY, RI, SC. Please note that a $15.00 Administrative Fee will be added to all orders.
THE OPTIONAL COVERAGES
HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on camp, clinic or conference business.
EXCESS LIABILITY COVERAGE
This coverage provides additional liability limits increasing the liability coverage per each occurrence.
INCREASED AGGREGATES
This option increases the aggregate limit of liability insurance from $2,000,000 to larger amounts.
SEXUAL ABUSE AND MOLESTATION
Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.
$5,000 MEDICAL EXPENSE BENEFIT
This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.
INSURER
The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.
VENDOR INSURANCE PROGRAM
A LIABILITY INSURANCE PROGRAM PROVIDING PROTECTION FROM LAWSUITS OF BODILY INJURY AND/OR PROPERTY DAMAGE
The Zoom Insurance vendor liability program has been structured to meet the needs of vendors big and small. We have specifically tailored programs in place that offer the coverage you need to keep your business protected. Our programs are available for one-day special events, annual policies, and anything in between. While many vendors are accustomed to acquiring insurance on a solo basis, Zoom Insurance also offers the convenience of group policies. For events with multiple vendors, our group policies help save time and money while still offering the same world-class protection and customer service we are known for.
COVERAGE DETAILS
This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.
COVERAGE INCLUDES SUITS ARISING OUT OF:
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Products liability coverage (completed operations)
- Incidental medical malpractice
- All activities necessary to conduct activities
- Ownership, use or maintenance of fields or practice areas
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
- Corporal punishment
EXCLUSIONS
Aircraft, all acts of terrorism, asbestos liability, claims made by athletic participants, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and liability for occurrences prior to the effective date and time of coverage. All of the above are subject to the terms and conditions of the policy.
INSURER
The general liability coverage is provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.
PREMIUMS
- Program Rate 5 consecutive days or less:$50.00
- Program Rate 6-14 days:$100.00
- Program Rate 15-30 days:$150.00
- Program Rate 1-6 months:$275.00
- Program Rate 6 months - Annual:$350.00
THE OPTIONAL COVERAGES
EQUIPMENT COVERAGE
This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.
HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on vendor business.
INCREASED AGGREGATES
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.
This page has been designed to illustrate the highlights of this program but is not a contract. Some exclusions and coverages may be modified to meet individual state requirements. For specific details, please request a sample policy.
PERFORMER INSURANCE PROGRAM
A LIABILITY INSURANCE PROGRAM PROVIDING PROTECTION FROM LAWSUITS OF BODILY INJURY AND/OR PROPERTY DAMAGE
COVERAGE DETAILS
This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.
ELIGIBLE PERFORMER TYPES:
- Balloon Artists
- Belly Dancers
- Caricature Artists
- Clowns
- Comedians
- Contortionists
- Cultural Dancers
- Face Painters
- Individual Disc Jockeys
- Illusionists
- Jugglers
- Magicians
- Mimes
- Puppeteers
- Santas
- Street Performers
- Story Tellers
- And other performers
COVERAGE INCLUDES SUITS ARISING OUT OF:
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Products liability coverage (completed operations)
- Incidental medical malpractice
- All activities necessary to conduct activities
- Ownership, use or maintenance of fields or practice areas
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
- Corporal punishment
EXCLUSIONS
Abuse or molestation (unless optional coverage is selected), aircraft, all acts of terrorism, asbestos liability, claims made by athletic participants, employment-related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.
INSURER
The general liability coverage is provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.
PREMIUMS
- Program Rate 5 consecutive days or less: $50.00
- Program Rate 6-14 days: $100.00
- Program Rate 15-30 days: $150.00
- Program Rate 1-6 months: $275.00
- Program Rate 6 months - Annual: $350.00
THE OPTIONAL COVERAGES
EQUIPMENT COVERAGE
This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.
HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on performer business.
INCREASED AGGREGATES
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.
This page has been designed to illustrate the highlights of this program but is not a contract. Some exclusions and coverages may be modified to meet individual state requirements. For specific details, please request a sample policy.
HEALTH AND WELLNESS INSURANCE PROGRAM
A LIABILITY INSURANCE PROGRAM PROVIDING PROTECTION FROM
LAWSUITS OF BODILY INJURY AND/OR PROPERTY DAMAGE
WHO IS COVERED
Intended for individuals in the health and wellness profession, this program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.
ELIGIBLE TRADES OR SERVICES:
Note: This program is not applicable to those performing tattooing, permanent makeup or body piercing services.
COVERAGE INCLUDES SUITS ARISING OUT OF:
- Injury or death of clients and guests
- Property damage liability
- Incidental medical malpractice
- All activities necessary to conduct of health and wellness trades or services
- Ownership use or maintenance of employment area
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
- Corporal punishment
EXCLUSIONS
Abuse or molestation (unless optional coverage is selected), aircraft, all acts of terrorism, asbestos liability, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.
PREMIUMS
Rates are determined based on state and level of coverage. The Liability Program rates begin at:
- $150.00 for Massage
- $110.00 for Massage Student
- $164.80 for Beauty
- $140.50 for Beauty Student
- $182.80 for Esthetician
- $132.80 for Esthetician Student
For Premiums less than $1,000.00, a $10.00 Convenience Fee will be added. For Premiums $1,000.00 and higher, a Convenience Fee equal to 2.5% of Premiums will be added. Convenience Fee does not apply in FL.
THE OPTIONAL COVERAGES
HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on trade or service business.
INCREASED AGGREGATES
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.
SEXUAL ABUSE AND MOLESTATION
Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.
$5,000 MEDICAL EXPENSE BENEFIT
This coverage will reimburse an injured client or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not. This coverage does not apply to your participants.
EQUIPMENT COVERAGE
This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.
EXCESS LIABILITY COVERAGE
This coverage provides additional liability limits increasing the liability coverage per each occurrence.
