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This insurance info page is for stateside events. For international event insurance info click here.
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Event Liability Insurance and Excess Medical Coverage
We now have to buy separate liability insurance policies for each special event administrated by Reliant. *In 2016 the insurance company lumped together all 3 LTs which decreased the overall cost.
It is the responsibility of the Special Events Coordinator to let Dave Meldrum-Green know the following information of the event at least 30 days prior to the beginning of the event, for purchasing insurance:
- The total number of people (a close estimation is fine) attending each event (both participants and Reliant missionary) and the dates of the event.
- Exact dates of the event
- Address where the event will take place (i.e., address of YMCA camp, etc.)
- Total number of Reliant missionaries/interns
Once the total number of people attending the event (participants and Reliant missionary) and other information have been sent to Dave Meldrum-Green he will get the quote for liability insurance. Dave will send back the insurance quote to the Special Events Coordinator to send to each individual event director for budgeting purposes.
In If the event is sponsored by a particular church then the church will be added as additionally insured. In the case of Collegiate events (pastor/staff conference and LT), Collegiate Church Network will be added as an additional insured to the insurance policy Reliant is purchasing for the specific event.
In 2016, exclusions were added to our insurance policy. 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.). Reliant staff does not dictate or oversee the activities that students and LT event 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 program or directed by Reliant staff or LT event leaders.
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).
Event Auto Liability Insurance (for Reliant missionary)
Due to the fact that a higher than normal risk exists with Reliant missionary driving all across the country to Collegiate LT events, the general Collegiate LT Event Administration Fund (FD1405) is charged a small percentage of Reliant auto liability costs (10% of our auto liability insurance) for all Collegiate events. Each event not sponsored by Collegiate where a similar such risk exists for Reliant, will be discussed on a case by case basis to see if a similar percentage charge will be accessed due to the amount of auto liability risk they bring with Reliant missionary traveling to the event.
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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. |
HISTORY FOR REFERENCE.....
Collegiate Adirondack LT liability insurance quotes:
2014- $1,102.02
2015- $1,351.50
2016 - $481.98 ------$1,350 (estimated)
Collegiate Winter Park LT liability insurance quotes
2016-$481.98------$1350 (estimated)
Collegiate Colorado LT liability insurance quotes:
2014- $3,763.90
2015- $3,612.76
2016- $1445.94-------$3,600 (estimated)
Collegiate Staff Conference liability insurance quotes:
2014- $501
2015- insurance was not bought- oversight due to the newness of buying each event their own insurance (you will see a few payments of $41/mo found in 1405 for insurance which was last year's $501 for staff conference divided into 12 months and ending this April- it was for 1370 insurance even though it was entered as 1405)
2016- $513.40
Collegiate Pastor Conference liability insurance quotes:
This event is not administrated by Reliant in any way. It is completely handled and administrated by Collegiate themselves. Reliant has offered to assist with purchasing liability insurance, but Collegiate leadership has opted to not buy any liability insurance for this event.
Total for auto liability insurance charged to FD1405 for all Collegiate events exposure:
2014- $2,200
2015- it's about $125/month on average right now so it's looking like around $1,600 total
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Email sent to Collegiate Leadership in June 2016Hello 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:
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. |
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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….
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Organizing carpool and caravans for student drivers to a Reliant event Due to the liability issues involved, no Reliant employee (whether full time field staff or summer intern or Reliant Associate Staff) should be involved in organizing a student caravan drive to get to a Reliant event. This should be 100% student led and organized (for liability reasons). If Reliant employees are coordinating the carpool then we (and the sponsoring church) then become held responsible for everything that happens to that participant as they travel to the event. Our liability insurance for students begins once they arrive at the program. Therefore, if a missionary or intern were to arrange the driving caravan/carpool it would assume that Reliant and the church or network involved is having the drive be part of our leadership over site for the program and we could be liable for any wrecks, etc. along the way. We do not want to include this liability risk in our liability insurance as that would dramatically increase the cost if we were to include the travel as part of the coverage. Therefore, driving to Reliant programs and events should be completely arranged by the students.
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