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Reliant needs to be notified immediately when an incident occurs. And documentation needs to begin. See Event Emergencies, Incidents, and Insurance for details.

Email sent to Collegiate Leadership in June 2016

Hello from the Reliant office!

We hope and trust that the beginning of your summers are going well. You are receiving this email because you are serving with a Collegiate Leadership Training (LT) program this summer and we wanted to share with you a change to our LT event insurance that may affect you and the activities that are a part of your LT program this summer.

In the past, our LT event insurance provider has had no limitations on the activities that would be covered by our event insurance that provides coverage for both Reliant Mission and Collegiate in the event something were to happen during LT.   This year, we were just notified that there are now specific activities excluded with the 2016 LT event insurance policy.  Unfortunately, these exclusions include events that may have typically taken place as part of the official LT program (project days, discipleship time, etc.).    Due to the fact that we are no longer insured for these specific activities, we have to ask that they not be included as part of the LT program (which would include project days, main sessions, life groups, discipleship meetings, etc.).  

Here is the list of excluded non-insured events that may not be part of the official LT program:

• Water Tubing (NOTE: This only means tubing from a boat.  All other tubing activities like the YMCA – Winter Park example are covered. 
• Water Skiing
• Rafting
• Boat Tours (NOTE: Sightseeing activities taken on vessel or watercraft).
• Ropes Course 
• Riflery
• Mechanical Bull
• Mechanical Surfboard
• Zip-lines
• Rock Climbing (NOTE: Rock climbing includes any type of ascent or descent with the aids of ropes and special equipment.  Hiking on trails would NOT be included in the exclusion).

Reliant staff does not dictate or oversee the activities that students and LT staff may engage in during their own personal free time outside of the LT program.  Thus, this directive does not apply to activities that students and staff may choose to engage in of their own accord during their free time and that are not in any way associated with the LT Program or directed by Reliant staff or LT leaders. 

We are not excited to have to share these new limitations with you.  We hope that next year we can find a way to not have to exclude them.  We did try to find alternate insurances and add additional policies, but it seems that all the event insurance carriers that we spoke to have all decided to exclude these activities for liability reasons.  Our Reliant insurance broker is guessing that one of the insurance carriers had an issue that caused them to have to pay out a large claim and so they decided to make this decision. And when one carrier changes, typically all the insurance providers follow suit.  

There is good news in the midst of all of this: The silver lining is that 2016 LT event insurance costs dropped drastically so your LT budget now has a little cushion, or some extra spending money. Just don’t use those funds to take the LTer’s white-water rafting.   : ) 

Thank you for serving our Collegiate LTs in this way and we pray that your summer is a blessing to both you and the LT participants you are serving! If you have any questions about this matter and how it may specifically affect your LT program, please direct them to your LT Project Director.

*Sent in a follow up email the next day to just the LT directors... We did send that email to every Reliant employee and intern attending a Collegiate LT.  However, please discuss this with your LT staff team to confirm that everyone has heard about the changes. Also, please make sure that any student leaders leading project days and lifegroups also understand what they cannot plan to do during those official LT program times.  To confirm that everyone has heard about the changes please email back as soon as you have had this discussion with your staff team and student leaders so that we know this information has been shared. 

Email sent to Collegiate Leadership in August 2014:

In 2014, we had a very very large increase compared to years past in event insurance cost.  (Mainly due to a change of insurance providers and a misquote from 2013 that gave us a huge discount that we were unaware of until we received the new higher quote for 2014 in April).  In 2013, the 1405 fund was charged $2,385 total for insurance (specifically for general liability and auto policy for all 1405 domestic events-this had included pastor missionary, ignite, and domestic LTs) and no insurance cost was directly charged to the individual LTs.  This is because under prior insurance policies we were able to put all the LTs into the events liability insurance package. 

Beginning in 2014, things changed substantially.  Reliant had to begin purchasing individual insurance policies for each event and was charged accordingly per LT, etc.  So the general and auto policy for all Collegiate events this year will cost 1405 around $3,200 (for the total 1405 insurance fees- general liability and auto liability for all 1405 domestic events including LT- this also includes a $501 stand-alone policy bought for the 2014 staff conference).  AND in addition each individual LT would have been charged for the liability associated with their specific event that we now have to purchase.  Because this was a shock to us as well as to you and individual LTs had not budgeted at all for insurance cost, Reliant is going to pay for the individual insurance costs for COLT and ADKLT rather than charging the individual LTs or Collegiate.  The cost of COLT insurance this year was $3,763.90 and ADKLT was $1,102.02.  That cost this year will be fully covered by Reliant. 

However, beginning 2015 the individual LTs will need to include the cost of insurance into their individual budgets.  Unfortunately we will not know the cost of insurance for next year until next spring, so for budgeting purposes for insurance cost for next summer we suggest budgeting at least the cost of this year with knowing that there is always a possibility the cost will go up.  Because we now have to move to purchasing individual specific liability insurance per program, there will not be a need to budget overall general liability costs into 1405 so only the auto liability costs will need to budgeted into 1405 for 2015. (FYI- Last year’s auto liability cost for all events was $2,200.)

So in conclusion….

We did not go into this current year knowing that our events all needed individual insurance policies.  This came about in May of this year.  Reliant is absorbing much of the increased insurance cost for this year.   For 2015, rather than 1405 having a general liability insurance cost for all events, each event will have its own insurance policy and associated cost of that policy will be billed to each event and 1405 will only be paying for auto liability costs for events.