NENSA Clubs are eligible to receive General Liability insurance coverage under the NENSA master policy.
A Master policy aggregates coverage for the community, offers better coverage than what clubs may find individually, and saves our clubs the costs of these separate policies. It is a member benefit that we are proud to offer and that we believe will benefit our community directly through the local savings it offers to clubs.
To secure coverage, Clubs must:
- Ensure NENSA Club Membership is active.
- Complete the Club Liability Insurance Enrollment Form.
- Contact [email protected] to complete a bulk membership upload of all active club members: participants, coaches, and key volunteers. It is this final step that binds the coverage (more about that below).
Questions: Please contact [email protected]
Are clubs required to enroll?
No, certainly not.
What is the cost of this coverage?
NENSA made the decision to cover the cost fully from membership revenue rather than assess clubs an additional insurance premium. It is a member benefit that we are proud to offer and that we believe will benefit our community directly through better Master policy coverage at lower costs; local savings that can be passed along to club members.
How does a club enroll?
The policy requires everyone regularly involved in club activities (skiers, coaches, and volunteers) to be a current NENSA member. Clubs electing coverage must complete a short enrollment form and submit a bulk membership upload.
Is there a deadline for enrollment?
There is no firm deadline and enrollment is happening on a rolling basis. Please keep in mind that processing a bulk NENSA membership upload could take up to a week and this step will need to be completed before the coverage is bound. If you wish to have coverage in place before the start of a new programming season, please keep this processing period in mind.
General Liability Insurance Program
The following is a brief outline of coverage provided by the policy and is not intended to change, modify, or negate any policy terms, provisions, conditions, and exclusions.
Name of Carrier: HDI Global Specialty SE
Insurance Agent: Loomis & LaPann, Inc.
Policy Term: January 15, 2023 to January 15, 2024
Policy Holder: New England Nordic Ski Association & its Member Clubs in Good Standing
Limits of Liability:
- $2,000,000 Per Occurrence
- $4,000,000 General Aggregate
- $2,000,000 Personal & Advertising Injury
- $2,000,000 Products-Completed Operations Aggregate
- $300,000 Damage to Rented Premises
- $5,000 Medical Payments Limit
- $0 Deductible
Excludes transportation of athletes
Description of Coverage: The coverage is a commercial general liability policy which will pay on behalf of the insured all sums that the insured(s) shall become legally obligated to pay as damages because of bodily injury, personal injury or property damage, subject to policy exclusions and conditions. The insurance company will defend suits against the insured alleging damages for bodily injury, personal injury or property damage that falls under the scope of the policy.
The NENSA General Liability policy provides coverage to NENSA members during all sanctioned/sponsored activities directly related to the sport of cross country skiing such as dryland and on-snow practices, ski tours, races, ski clinics or events, coach or parent/leader education.
There is a 100% membership expectation. This means everyone who is regularly involved in your club activities must be a NENSA member to be covered.
As with all insurance contracts, limitations apply. Please refer to policy for details. Contact [email protected] with questions or to request a copy.