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This insurance info page is for stateside events.  For international event insurance info click here. 

Excerpt Include
Event Emergencies, Incidents , and Insurance
Event Emergencies, Incidents , and Insurance

Event Liability Insurance and Excess Medical Coverage 

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Note

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

Info

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.  

 

Note

In 2005 there was a wreck on the way to Orlando, Leadership Training and Reliant was involved in a law suit  The student flipped their car because they feel asleep at the wheel. The parents of the student who was hurt in the process sued Reliant and the church that the participant came from for the cost of their medical bills. Because of this a Reliant employee (missionary or intern) can not be involved in the carpool process b/c Reliant and the church (and network) can be sued if a Reliant employee is involved. If we say it was totally participant lead then Reliant/church is not responsible until they arrive at the event.

 

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 to cover liability for Reliant employees. 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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