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We cannot dictate this as their broker, but we always recommend higher limits.
The D&O policy covers certain lawsuits alleging managerial negligence with no Property Damage or Bodily Injury loss.
D/O coverage also includes Employment Practices Liability that protects the club and executive against liability of wrongful termination, discrimination, and harassment among other events, subject to the policy terms, conditions and exclusions.
Please go to OTA - Club Insurance and see page 10 of the document for more information, such as on the topic of protecting the personal liability of the club executives and the club itself for losses resulting from poor management decisions, etc.
That would depend on the Statement of Claim and we cannot confirm nor deny coverage without a full Statement of Claim.
No, if you do not own it since you have no insurable interest. You will not be suffering a monetary loss should anything happen to the property.
As brokers, we cannot comment on the sufficiency of coverage, it becomes a business decision because of the cost. Or, we always recommend that the clubs purchase more than what is required to be on the safe side.
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Professional Liability policy covers certain lawsuits alleging purely economic damages arising out of the performance of member services with no accompanying bodily injury or property damage. The following are examples of exposures that make a Professional Liability policy beneficial for a sports and recreation organization:
If you have other questions, please contact Cecilia Bince of Marsh Canada at 647-393-4402 or at Cecilia.bince@marsh.com