[K3pzn-board] Insurance information for CCARC equipment & liability

[Frank Rodski]

CC BoD Members:

As requested I have looked into both equipment and liablity insurance 
for the club at ARRL.
I have extracted some info below and a lot can be found at the URL's 
listed below.
At first glance it looks like it could save us a few $$$$.

73, Frank k3mtt@arrl.net

Property Insurance   
http://www.remote.arrl.org/FandES/field/regulations/insurance/club_liability.html
                           

The ARRL Club Liability Insurance policy provides up to $1,000,000 in 
coverage for each occurrence and up to $2,000,000 in aggregate coverage 
each year.

There are no deductibles to satisfy prior to receiving benefits.

Affordable Protection
Each Club interested in this liability insurance can receive a 
no-obligation premium quotation. Since each Club is so different in the 
activities it participates in, premiums are determined on an individual 
basis. However, since ARRL sponsors this plan for the membership, each 
Club has the advantage of group buying power and all premiums are kept 
to a minimum - if a Club had to find an individual policy with this type 
of protection, chances are the costs would be prohibitive.

This Plan Covers the Club, Members and Officers
The Club is insured when named in a covered lawsuit for acts committed 
by members working for the Club and under its direction.

Officers and members are insured when named in a covered lawsuit as a 
result of Club activities when they are acting on behalf of the Club.

You Will be Covered for All These Types of Lawsuits

Suits for bodily injury which occur on the premises or as a result of 
Club activities.
Suits for damage to property of others resulting from Club activities.
Suits for personal injury and advertising injury, including libel, 
slander, defamation of character, false arrest, invasion of privacy, 
detention and malicious prosecution.
Suits for liability resulting from the sale of foods and beverages or 
other products.
Suits for host liquor liability when serving or giving alcoholic 
beverages at functions incidental to your Club provided that no permit 
or license is required prior to serving alcohol. Clubs should check with 
individual states regarding liquor law regulations.
Suits for real or alleged faults in work completed by or for your Club, 
which result in bodily injury or property damage.
Suits involving the use of automobiles not owned by the Club but used 
for official Club activities.
Suits arising from injury caused by the rendering or failure to render 
health care services by nonprofessionals.
Suits arising from fire damage (up to $100,000) to premises not owned by 
a Club but used for Club sponsored activity.
Defense against such suits even though the charges made are groundless, 
false or fraudulent.

Equipment Insurance     
http://www.remote.arrl.org/FandES/field/regulations/insurance/equipment.html

The ARRL "All-Risk" Ham Radio Equipment Insurance Plan is available to 
all members of the American Radio Relay League who reside in the United 
States, its territories and possessions. Coverage is also available to 
ARRL affiliated clubs to protect the club's equipment - including club 
station and repeater equipment.


New Property Coverage
For added property UNDER $1,000 ...if you purchase additional or 
replacement equipment or take custody of equipment of a type already 
insured by this policy, it will automatically be protected without any 
additional premium as long as the total added value does not exceed 
$1,000 during the policy year. Send no money ...at your next policy 
renewal date, you will be asked to add all purchases made under $1,000 
and your premium will be adjusted appropriately.

For total added property OVER $1,000 ...notify the ARRL Insurance 
Administrator immediately ...only if your new property is valued over 
$1,000.


Low Cost Coverage
Because of the economies of centralized administration, the cost of this 
Plan is much lower than coverage from other sources. Your annual premium 
is just $1.50 per $100 of replacement cost value (minimum premium is 
$20). Please add a $7 administration fee to your total premium. For 
example, if the replacement value of your equipment is worth $3,200, 
your annual premium is only $48 (plus the $7 fee).


Low Deductible
The Plan's deductible is just $50 for each claim. To assist you even 
further, the deductible for repairs is just $25 per item with a maximum 
of $50 per claim.


Exclusions
This Plan does not insure against the usual and customary exclusions 
such as loss or damage by mechanical or structural breakdown or failure, 
dishonest acts, wear and tear or damage occasioned by repairing or tuning
.

Additional information including applications are found on the ARRL web 
site listed above.











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