Insurance Overview
Insurance provided to all registered teams, licensed coaches and registered student athletes
General Liability for Clubs (Schools can be added as additionally insured)
$1,000,000 Each Occurrence
$2,000,000 Aggregate/Club
$500,000 Each Claim – Sexual Abuse and Molestation
$500,000 Aggregate Limit
•
Accident Medical
$25,000 Each Person – Excess Accident Medical
Deductible: None
Accidental Death: $10,000
Volunteer Coverage: Yes
•
Events
$1,000,000 Each Occurrence
$2,000,000 Aggregate per Event
No annual aggregate
Accident Medical:
$25,000 Each Person – Excess Accident Medical
Deductible: None
Accidental Death: $10,000
McKay Insurance provides this policy for the League. Dan McKay (president) has been working with IMBA since 1995 to
protect mountain bike clubs from liability concerns. Since that time, he has become an expert on all matters of bicycle
liability and is recognized as a supporter of trail advocacy efforts nationwide.
Underwriters for the policy are Lexington Insurance Company and National Union Fire Insurance Company – Member Chartis Companies. Lexington is an A+(Superior) rated carrier by A. M. Best Company, National Union Fire Insurance Company is also rated A+(Superior)
General Liability for Clubs (Schools can be added as additionally insured)
$1,000,000 Each Occurrence
$2,000,000 Aggregate/Club
$500,000 Each Claim – Sexual Abuse and Molestation
$500,000 Aggregate Limit
•
Accident Medical
$25,000 Each Person – Excess Accident Medical
Deductible: None
Accidental Death: $10,000
Volunteer Coverage: Yes
•
Events
$1,000,000 Each Occurrence
$2,000,000 Aggregate per Event
No annual aggregate
Accident Medical:
$25,000 Each Person – Excess Accident Medical
Deductible: None
Accidental Death: $10,000
McKay Insurance provides this policy for the League. Dan McKay (president) has been working with IMBA since 1995 to
protect mountain bike clubs from liability concerns. Since that time, he has become an expert on all matters of bicycle
liability and is recognized as a supporter of trail advocacy efforts nationwide.
Underwriters for the policy are Lexington Insurance Company and National Union Fire Insurance Company – Member Chartis Companies. Lexington is an A+(Superior) rated carrier by A. M. Best Company, National Union Fire Insurance Company is also rated A+(Superior)