MAFCA Provided Insurance
MAFCA provides General Liability as
well as Directors and Officers Liability Insurances to Chapters, Regions and
Special Interest Groups that are in good standing and located with United
States and Canada. Although the Board of Directors'
desire and plan is to continue this coverage, future decisions on coverages and
cost to the Chapters will have to be based on future insurance premium cost
growth.
The Board of Directors
encourages MAFCA chapters and members to participate with their Model A's in
normal car related and chapter related events that promote the Model A hobby.
Plan your activities such as car games, etc., so that they will reduce the
possibility of liability actions and help keep our insurance rates to a
minimum. Be aware of safety at all times.
The following is a coverage summary
and is subject to the actual policy. The answers are not intended to replace
the actual policies. For questions of coverage or limits, refer to MAFCAÕs
Insurance Liaison.
ANTIQUE
AND CLASSIC AUTOMOBILE CLUB INSURANCE COVERAGE
WHAT
COVERAGE?
Commercial General Liability, Non-owned
Automobile Liability
WHO
IS INSURED?
The Named Insured (The Club), all its
Members including Officers and Directors.
Coverage is limited to Bodily Injury and/or
Property Damage Liability arising out of an occurrence associated with
activities of The Club.
WHERE
IS COVERAGE?
Clubs are covered for any occurrence on
property rented, leased or used by the Club for activities of The Club.
Activities include, but are not limited to
meetings, dances, tours, picnics, flea markets, banquets, shows, malls,
shopping center shows, and parades.
WHAT
ARE THE COVERAGES?
Coverages are listed below. The items
listed are a limited summary of the coverages under the General Liability and
Non-owned Auto Liability.
ANTIQUE
AND CLASSIC AUTOMOBILE CLUB BASIC INSURANCE AGREEMENT
The policy will pay those sums which the
insured becomes legally obligated to pay as damages because of "bodily
injury" or "property damage" to which the insurance applies.
PERSONAL
INJURY LIABILITY
Covers false arrest, detention or
imprisonment, malicious prosecution, libel, slander, invasion of privacy.
ADVERTISING
INJURY LIABILITY
Covers The Club for all forms of
advertising used by The Club and indemnifies to the extent of any final
judgment for money damages resulting from libel, slander, or defamation;
infringement of copyright, title or slogan; piracy; unfair competition or
misappropriation of ideas; or an invasion of privacy broadcast all subject to
exclusions.
Also see - Publishers Liability.
CONTRACTUAL
LIABILITY
Covers The Club for Lease of Premises
Contracts, as well as other written contracts in which The Club assumes the
tort liability of another to pay damages because of bodily injury or property
damage to a third party or organization if contract is made prior to the
incident. Clubs entering into contract with indemnification clauses (Hold
Harmless Clauses) must refer copies of the contract to J. C. Taylor's
Underwriter for review.
PRODUCTS
LIABILITY
Covers The Club for Liability resulting
form goods or products sold, handled or distributed by the club at Club events
or as part of Club activities and includes, but is not limited to food, drinks,
clothing, jewelry, or toys.
NON-OWNED
WATERCRAFT LIABILITY
Covers The Club for use of non-owned craft
under 26 feet.
Note: If The Club hires a watercraft 26
feet or longer for outings, please refer to the J.C. Taylor Underwriter for
approval and additional coverage.
LIQUOR
LIABILITY
Covers The Club except if The Club
is in the business of manufacturing,
distributing, selling, serving, or
furnishing alcoholic beverages. Also not covered - causing or contributing to
intoxication, serving person under the legal drinking age, violation of
statutes or ordinances.
NON-OWNED
AUTO LIABILITY
This coverage is designed to protect The
Club when a member is using a vehicle not owned by The Club in connection with
Club activities.
Note: Each member must maintain adequate
Personal Auto Liability and Physical damage on all of his/her vehicles,
including Antiques, Classics, and modern vehicles.
FIRE
LEGAL LIABILITY
This coverage protects The Club for up to
the policy limits, on buildings being used, but not owned by The Club for
activities such as meetings, banquets and dances. Additional limits are
available upon request to the J.C. Taylor Underwriter.
ANTIQUE
AND CLASSIC AUTOMOBILE CLUB
The Club may participate in any activity
which The Club usually participates, whether it be a commercial enterprise for
a fee, such as charging admission to enter a Flea Market or Show, or whether it
is free.
Charging a fee for rides in an auto at a
Club function is discouraged since most all Personal Auto Policies contain
exclusions for this exposure.
DIRECTORS
& OFFICERS LIABILITY' INSURANCE
WHAT
IS THE COVERAGE?
Protection for suits alleging wrongful acts
on the part of directors, officers or board members, Coverage includes the
expense of attorney's fees .
WHAT
ARE WRONGFUL ACTS?
mismanagement
misrepresentation
misuse of -funds
improper allocation of
resources
conflicts of interest
unwarranted expansion
failure to comply with
club bylaws or articles of incorporation
discrimination in
membership criteria
failure to comply with
the Americans with Disabilities Act
WHO
IS COVERED?
the club entity itself
directors
officers
trustees
volunteers
committee members
Publishers
Liability
This coverage is NOT PROVIDED to The
Club
In Summary
The full text of the MAFCA Insurance Policy (P2S03) is
available for your review. Click
Here to view it. Besides clarifying exclusions, it documents the process for
requesting a Certificate of Insurance and includes the required Forms.
Your attention should be directed to one
further point. No coverage is provided by this summary, We ask that you do not
accept our brief summary as a complete explanation of the policy. A narrative description can never
replace a policy, and the actual policy language will govern the scope and the
limits of coverage.
Feel
free to contact MAFCAÕs Insurance liaison for additional answers or comments