Insurance Coverage - Inland Marine
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We are able to offer you coverage for the Miscellaneous Equipment that you are using for your club events. We know that this equipment is necessary to club operations and that without it the club would have difficulty maintaining. Not to mention the costs incurred in replacing the equipment.
The policy will cover such things as small tools, trailers, trophies, **club owned ATV’s and rowboats up to 26’ with up to a 10 horsepower outboard motor. It DOES NOT COVER motor vehicles, snowmobiles, recreational vehicles, motorcycles, and aircraft of any type, firearms, ammunition or animals.
Coverage is all risk on an “Actual Cash Value” only and includes a locked vehicle warranty. |
Protect
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The basic deductible is $250.00 and applies “per occurrence”. Coverage territory is the Continental United States and the Dominion of Canada.
Premium is based as follows: Up to $4,000 in value is included in
the base premium. Additional coverage is available upon request.
We will need a schedule showing the values per item and any
identifying marks and/or serial numbers for all coverage provided.
We advise the club to cover the entire schedule, not only those
items that may be susceptible to theft or damage.
**Please note: ATV’s must be owned by the club to obtain coverage and will increase the liability premium.
PERILS INSURED:
This policy insures against all risks of direct and accidental physical loss of or damage to the insured property from any external cause except as hereinafter provided.
PERILS EXCLUDED:
This policy does not insure against:
(a) Loss or damage to electrical equipment or devices of any kind, including wiring, arising from electrical injury or disturbance to the said electrical equipment or devices or wiring, from artificial causes, unless fire ensues and then only for direct loss or damage caused by such ensuing fire;
(b) Loss or damage caused by the neglect of the Insured to use all reasonable means to protect the property insured; (a) during and after any disaster insured against, (b) when the property is endangered by fire in neighboring premises; or (c) when the Insured has notice of any impending disaster;
(c) Loss or damage caused by or resulting from misappropriation, secretion, conversion, infidelity or any dishonest act on the part of the Insured or other party or interest, his or their employees or agents, while working or otherwise, or any person or persons to whom the insured property may be entrusted, (carriers for hire excepted);
(d) Loss or damage due to marring, scratching, wear and tear, gradual deterioration, rust, corrosion, extremes of temperature, insects, vermin, inherent vice, or damage due to any process while actually being worked upon and resulting there from;
(e) Loss or damage due to breakage, unless caused by fire, lightning, windstorm, theft, earthquake, flood (meaning rising navigable waters), explosion; or by collision, derailment or overturning of a transporting conveyance;
(f) Loss or damage caused by theft or pilferage of the insured property while left unattended in or on any automobile unless such automobile is equipped with a fully enclosed body, or compartment, and the loss be a direct result of violent forcible entry (of which there shall be visible evidence) from the fully enclosed body, the doors and windows of which shall have been securely locked, or from a compartment which shall have been securely locked.
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