1. GENERAL LIABILIY INSURANCE
Presenter: GRAHAM M BARHAM, REGIONAL MANAGER EUROPE AND AFRICA
Adventist Risk Management, Inc.
“Providing Solutions… To Minimize Risks”

2. General Liability Insurance
Provides comprehensive protection for church sponsored operations. Coverage is provided against claims arising from negligence involving bodily injury, property damage, and personal injury, advertising injury and products liability.

3. Includes coverage for activities sponsored by the insured even if they are away from owned premises or offices, including supervised youth activities and pathfinder programs and activities.

4. Who is insured? Employees Volunteers
Only for acts within the scope of their employment
Volunteers
Only for acts within the scope of their duties
Church members
Only for activities authorized by the church

5. Insuring Agreement
The company will pay on behalf of the insured all sums for which the insured shall become legally obligated to pay as damages because of “bodily injury” or “property damage” to which this policy applies.

6. Bodily Injury
Bodily injury, sickness, or disease sustained by a person, including death resulting from any of these at any time.

7. Property Damage
Physical damage to tangible property, including all resulting
loss of use of that property.

8. Personal and Advertising Injury
Injury other than bodily injury arising
out of one or more of the following
False arrest, detention or imprisonment
Malicious prosecution
Wrongful eviction from a dwelling
Slander or libel

9. General Liability Policy Limits
Coverage A. - Bodily Injury & Property Damage
Limit $1,000,000
Each occurrence
Fire damage – any one fire
Limit $1,000,000 aggregate
Products or Completed Operations
Broadcasters Liability
Publishers Liability

10. Coverage B. - Personal & Advertising Injury. Limit $1,000,000
Coverage B. - Personal & Advertising Injury Limit $1,000,000 Per occurrence and aggregate
Coverage C. - Medical Payments Limit $1,000 any one person Limit $10,000 any one occurrence

11. The General Liability policy is based on the “Occurrence” principle
The General Liability policy is based on the “Occurrence” principle. The policy covers bodily injury and property damage that occurs during the policy period, regardless of when claim is actually made against the insured. (Form CG )

12. Examples of Negligence Failure to provide safe facilities
General Liability claims arise out of negligence – the failure to exercise reasonable care
Examples of Negligence
Failure to provide safe facilities
Failure to provide safe equipment
Failure to properly supervise
Failure to provide adequate warning

13. Failure to enforce safety rules and procedures
Failure to properly instruct
Failure to safely transport
Failure to perform duties as a competent person

14. Incidental medical malpractice
What is Covered?
COVERAGE INCLUDES, BUT IS NOT LIMITED TO THE FOLLOWING:
All sponsored activities or operations within your premises or off premises
Products
Incidental medical malpractice
Use of owned or non-owned watercraft & boats

15. Corporal Punishment
Professional liability for clergy and educators, nurses and volunteer physicians and dentists
Counseling Activities
Medical Payments
Broadcasters & Publishers

16. Expected or intended injuries
What is not Covered
EXCLUSIONS INCLUDE, BUT ARE NOT LIMITED TO THE FOLLOWING:
Expected or intended injuries
Contractual liability
Liquor liability
Worker compensation and similar laws
Pollution

17. Aircraft, auto or watercraft
War
Damage to your property
Damage to property loaned to you
Damage to your product
Damage to your work
Recall of products, work or impaired property
Asbestos

18. Professional services Property you own or rent Breach of contract
Firearms
Airport or airstrip
Professional services
Property you own or rent
Breach of contract
Deceptive labeling, pricing
Organized competitive sports
High risk activities
(IE: rock climbing, hang gliding, trampoline equipment).

19. I will lie down and sleep in peace, for you O Lord, make me dwell in safety. Psalm 4:8 NIV

20.
Questions