NON-PROFIT LIABILITY AND PROPERTY INSURANCE
PROGRAM SUMMARY AND LOSS CONTROL GUIDE

Liability Plus
Personal Liability | Who Is Insured | What Is Insured | Where Coverage Is Applicable | When Coverage Is Applicable | What Is Excluded | Incident Reporting And Claims Handling | Concessionaires Or Commercial Vendors

Bonding Plus
Leadership Personal Financial Responsibility | Who Is Insured | What Is Insured | Where Coverage Is Applicable | When Coverage Is Applicable | What Is Excluded | Incident Reporting And Claims Handling | Specific Requirements | Cancellation of Coverage For A Specific Employee | Safety Tips

Property Plus
Chapter Property | Who Is Insured | What Is Insured | Where Coverage Is Applicable | When Coverage Is Applicable | What Is Excluded | Claims Handling

Directors and Officers Liability Plus
Directors & Officers Liability | Who Is Insured | What Is Insured | Where Coverage Is Applicable | When Coverage Is Applicable | What Is Excluded | Claims Handling

Accident Medical Plus
Accident Medical Plus | Who Is Insured | What Is Insured | Where Coverage Is Applicable | When Coverage Is Applicable | What Is Excluded | Claims Handling

INTRODUCTION
This summary presents a discussion about a General Liability, Blanket Crime and miscellaneous floating Property insurance program, specifically created for the activities and operations of a Nonprofit Organization local Chapter. The loss control guidelines and safety tips are designed to assist leadership with the establishment and maintenance of a safe and prudent Chapter operation. If you read this booklet cover to cover, you will begin to understand how you can better protect your personal assets and your local Chapter from the threat of financial loss and/or lawsuits.

R.V. Nuccio & Associates, Inc. is located in Toluca Lake, California.  R.V. Nuccio & Associates, Inc. has worked nationally with nonprofit organizations since 1976, when this insurance program was originally created. This program of insurance products is insured by FIREMAN'S FUND, one of our nations oldest and most respected insurance companies. This booklet is the intellectual property of R.V. Nuccio & Associates, Inc., and is copyright protected.  Our national toll free number is 1-800-567-2685.

COVERAGE I LIABILITY PLUS
A. Personal Liability
The operation of a local Chapter is a business, and a separate legal entity. As with any other business, it is held accountable to the public for it's actions, or lack thereof, with which it interacts. The majority of this responsibility lies with current and past leadership, such as the directors and officers of a particular local Chapter. Even though an accident or occurrence is the result of unintentional negligence, it is, nonetheless, considered negligence. This condition oftentimes leads to a allegation or lawsuit, wherein the President, and all other officers and directors of the local Chapter, are personally and individually named, placing their personal assets at risk (home, vehicles, savings, attachment of future wages and earnings of both individual and spouse). In the U.S. court system, anyone can sue leadership at anytime for any reason. Suits against leadership can be groundless or false, but still require a costly and highly specialized defense (some in excess of $250,000). If the lawsuit is not answered and properly defended, it is lost by default, and a judgment obtained against leadership. Responsibility to the public exposes a local Chapter and it's individual leadership to an element of risk, which can be transferred to another through the use of public or general liability insurance.
B. Who Is Insured
Liability Plus is available to most local Chapters wishing to purchase this liability protection. Coverage is extended to include any member or volunteer.
C. What Is Insured
Simply stated, the policy provides commercial general liability protection for any operation or sponsored event on a blanket basis, except that which is excluded. There is a $1,000,000/$2,000,000 limit Per Occurrence/Annual Aggregate, for each participating local Chapter with defense costs supplemental to that limit. Coverage is included for the following:
  a.
b.
c.
d.
e.
f.
g.		 Bodily Injury Liability
Property Damage Liability
Personal Injury Liability
Advertising Injury Liability
Products Liability
Host Liquor Liability
Fire Legal Liability
D. Where Coverage Is Applicable
The geographic limitation of almost any insurance contract is described by its policy territory. The territory of this particular policy is the USA, it's territories and possessions, Puerto Rico and Canada. There is no reporting requirement as to where an event is to take place, provided it is within the definition of the policy territory.
E. When Coverage Is Applicable
A local Chapter may purchase annual coverage at any time. Please see the Chapter Enrollment Form.
F. What Is Excluded
This program has specific exclusions usual to this form of commercial general liability insurance. It must be understood that this booklet is only a summary. It is not all inclusive, nor does it alter or waive any of the actual policy language. Questions regarding these exclusions, or this summary, should be directed to R.V. Nuccio & Associates, Inc at 1-800- 567-2685. There is NO coverage, and coverage is excluded for:
  01.
02.
03.
04.
05.

06.
07.
08.
09.
10.
11.
12.
13.
14.
15.
16.		 Abuse/molestation/corporal punishment
Aircraft liability, including Hot Air or Lighter-Than-Air balloons
Amusement device, inflatable, mechanical or motorized
Animal rescue/snake training
Athletics/Sports (Bowling, Golf Tournament, Free Throw Contest and Soccer Challenge Contest are O.K.)
Automobile liability/motorized vehicles
Certain computer related losses
Employment related practices
Firearms/weapons/ammunition
Fireworks/pyrotechnics/rocketry
New entities/any entity or group other than the Named Insured entity
Owned or full time occupancy of any premises or land
Professional services
Suits between insureds
Watercraft Liability
Workers' Compensation
G. Incident Reporting And Claims Handling
Standardized Incident Report forms are provided upon request. When an incident occurs, the report is completed by an officer of the organization and mailed directly to R.V. Nuccio & Associates, Inc. The Incident Report is not a claim. It is a notification of an occurrence, and a confidential business communication between the organization and R.V. Nuccio & Associates, Inc. This form must not be completed by the injured party and is instead, to be submitted without the knowledge of the injured party. Do not solicit a claim. Do not promise coverage. When an incident occurs, contact R.V. Nuccio & Associates, Inc. for guidance before you talk to anyone. We are committed to spend the time necessary to keep you out of trouble, and to keep this insurance program affordable.
H. Concessionaires Or Commercial Vendors
A concessionaire or commercial vendor, is a person (or organization) who has a for-profit attraction (such as a carnival amusement ride, skating vendor or food booth), that they will operate or conduct on behalf of your local Chapter (or for themselves) for a percentage of the receipts, or for a specified sum of money. Such a person (or organization) is an independent contractor. Your local Chapter is protected against claims or suits arising out of the operations (unless excluded) of these independent contractors. However, the independent contractor is afforded NO protection under the local Chapter policy and should, for your protection, provide your local Chapter with a Certificate Of Insurance. This Certificate Of Insurance should show that the independent contractor/vendor has in-force liability insurance with limits of a least $1,000,000, and it must also name your local Chapter as Additional Insured. The independent contractor will sometimes attempt to charge your local Chapter for the cost of this Additional Insured endorsement which must be added to their liability insurance policy. Because they are about to earn a profit, the price is negotiable, or if you are very convincing, the cost of the endorsement can be absorbed by the independent contractor (since they are about to make money). If the independent contractor/vendor is unable or unwilling to provide a Certificate Of Insurance naming your local Chapter as an Additional Insured, you would be extremely wise and prudent to find another Concessionaire, commercial vendor or independent contractor.
COVERAGE II BONDING PLUS
A. Leadership Personal Financial Responsibility
A local Chapter normally operates on extremely limited capital, typically without sufficient internal financial controls. In addition, Chapter money is sometimes kept in private homes overnight. Because of these conditions, local Chapter moneys derived from dues and fund raising activities, are exposed to loss by dishonesty, forgery, alteration, theft, disappearance or destruction. When a money or financial loss does occur (about 8 times each week), which is all too often, it is not unreasonable for the general membership to expect leadership, in the absence of insurance, to personally fund the loss. A local Chapter and its' leadership can either retain this exposure to financial loss and self-insure (not advisable), or transfer this exposure to another through the use of crime insurance, also known as Bonding Plus.
B. Who Is Insured
Bonding Plus is available to any qualifying local Chapter.
C. What Is Insured
This policy has three coverage’s, each with a separate, per loss limit. The definition of employee has been enhanced to include any elected officer, committee chairperson (whether elected or appointed), or any member of the organization acting as a volunteer. There is no limit to the number of individuals or positions covered by this policy provided they are included within the policy definition of employee. A brief description of the coverage follows:
  01. Employee Dishonesty
Provides protection (up to the selected limit less the deductible) for the loss of money, securities and other property resulting directly from one or more fraudulent or dishonest acts committed by an employee (as defined above) acting alone or in collusion with others.
  02. Forgery Or Alteration
Provides protection (up to the selected limit less the deductible) for loss resulting from forgery or alteration of outgoing checks, drafts, promissory notes and similar instruments drawn against the Insured’s accounts.
  03. Theft Disappearance And Destruction
Provides protection for loss resulting from the causes of loss described in its title. This coverage is divided into two parts, each with its own separate per loss limit.
a. Part A Loss Inside The Premises
Provides protection (up to the selected limit less the deductible) for the loss of money and securities by the actual destruction, disappearance or wrongful abstraction thereof, within the premises.
b. Part B Loss Outside The Premises
Provides protection (up to the selected limit less the deductible) for the loss of money and securities by the actual destruction, disappearance or wrongful abstraction thereof, outside the premises while being conveyed by a messenger, or while within the living quarters in the home of any messenger. 		 

D. Where Coverage Is Applicable
The geographic limitation of almost any insurance contract is described by its policy territory. The territory of this particular policy varies with its' three coverage's, but in each instance does include any of the States of the United States of America, the District of Columbia, the U.S. Virgin Islands, Puerto Rico, the Canal Zone and Canada. Contact R.V. Nuccio & Associates, Inc. for specific territory interpretations.
E. When Coverage Is Applicable
A local chapter may purchase annual coverage at any time. Please see the Chapter Enrollment Form.
F. What Is Excluded
This program has specific exclusions usual to this form of crime insurance. It must be understood that this booklet is only a summary. It is not all inclusive, not does it alter or waive any of the actual policy language. Questions regarding these exclusions or this summary, should be directed to R.V. Nuccio & Associates, Inc. There is NO coverage, or coverage is excluded for:
  01.
02.

03.
04.
05.
06.
07.
08.

09.
10.

11.		 Losses, the proof of which is dependent upon an inventory or profit and loss computation.
Losses due to war, whether declared or not, war like action, civil war, insurrection, rebellion or revolution, or any related act or incident.
Losses due to accounting or arithmetical errors or omissions.
Moneys in coin-operated vending machines or amusement devices.
Losses to property in an armored vehicle or messenger service.
Losses (except money or securities) due to fire.
Losses resulting from extortion.
Losses resulting from the use or sale of supermarket scrip or any type of paper representing money.
Interest, dividends, or other income resulting from a money loss.
Damages of any type for which the insured is legally liable. Legal expenses are also excluded.
Costs, fees, and other expenses incurred by the insured in establishing the existence of or amount of a loss covered under this policy.
G. Incident Reporting And Claims Handling
A standardized Proof Of Loss form is provided upon request. When a loss is discovered, the form is completed confidentially, by an officer of the organization and mailed directly to R.V. Nuccio & Associates, Inc. Leadership is responsible for filing a Proof Of Loss form within four months after the discovery of a loss, or of an occurrence which may give rise to a claim for a loss. A local Chapter money loss can easily lead to a slander lawsuit if not handled properly. Do NOT make any accusations, neither verbally nor in writing, and instruct your Board accordingly. Contact R.V. Nuccio & Associates, Inc. for guidance before you say anything to anyone.
H. Specific Requirements
Bonding Plus contains specific leadership compliance requirements known as the RVNA Warranty System, which acts to increase financial control, and to reduce exposure to financial loss. This system is NOT optional and forms a part of the actual insurance contract. Violation of a Bonding Plus warrant, negates Bonding Plus coverage. Group leadership warrants that the following procedures will be installed and continuously maintained.
  01.
02.
03.		 There will be dual, unrelated signatures required on all outgoing checks.
There will be no pre-signing of checks.
There will be a monthly bank reconciliation (re-balancing of the checkbook) performed by an organization officer (such as the President or Vice President) other than that officer (usually the Treasurer) normally responsible for banking functions. (This warrant forces discovery of deposits that have not been made, from accumulating over a period of months or years.)

I. Cancellation Of Coverage For A Specific Employee(s)
The employee dishonesty coverage contains a condition that immediately cancels any future coverage for any employee (as previously defined) upon discovery by the Insured, or an officer or director, of any dishonest act committed by that employee, either before or after becoming an employee of the insured organization. This condition is common to this type of coverage. Coverage is also excluded for any employee for whom similar prior insurance has been canceled.
J. Safety Tips
  01.
 After a fund raiser, do all in your power to make a deposit at the bank. Do not go alone, or ask your local law enforcement agency to escort you to the bank. You must always assume that someone will follow you. This procedure is for your protection as a messenger, as several robberies have occurred with resulting bodily harm to the messenger.
  02. Do not place your deposits in the trunk of your car, and then leave the car unattended to pick up items at a local store. You must assume that someone will follow you. The deposit will not be there upon your return to your damaged vehicle. Go directly to the bank.
  03. If, for some reason, you are not able to deposit directly to the bank, do not take the money home, and then go out for dinner. You must assume that someone will follow you. This will expose your children to bodily harm from a burglary. Also, make the deposit the very next day. Do not leave the deposit in the closet, in a shoe box, in your home, any longer that absolutely necessary. Cash has a strange way of disappearing over time.
  04. Leadership is responsible for checking with the person designated to make the deposit (the messenger), to be sure that the deposit has been made, at the very latest, the next day. An officer, other than the messenger, should know the amount of the deposit, and should verify that the deposit has been made by checking the bank statement for that month (see warrant number 03).
COVERAGE III PROPERTY PLUS
A. Chapter Owned Property
A local Chapter will sometimes own miscellaneous property used in the operation. Just as you would protect your own personal or business property with property insurance, you would likewise protect local Chapter property. It is the responsibility of leadership to see that this property is properly insured against loss due to fire, lightning, windstorm, theft, earthquake, vandalism, and other perils. A local Chapter and its’ leadership can either retain this exposure to property loss and self-insure (not advisable), or transfer this exposure to another through the use of inland marine property insurance.
B. Who Is Insured
Property Plus is available to any qualifying local Chapter.
C. What Is Insured
Property Plus is a customized type of floater property coverage. It insures the types of property listed below up to the specified value, against all risks of direct physical damage from any external cause, except those that are specifically excluded. This coverage is provided on a replacement cost basis (new for old), and contains a per loss deductible. Following is a list of some of the items which can be insured by Property Plus. Of course this list is not all inclusive, so contact R.V. Nuccio & Associates, Inc. for guidance regarding items not mentioned.
  01.
02.
03.
04.
05.
06.
07.
08.
09.
10.
11.
12.
13.
14.
15.
16.
17.
18.		 Adding Machines
Audio Recorders
Audio Tape Library
Audiovisual Equipment
Book Library
Cameras
Carnival Booths
Carnival Equipment
Coffee Makers
Coin and Stamp Collections
Computers
Copiers
Film Library
Film Projectors
Fine Arts
Items loaned to a Chapter
Jewelry For Sale by a Chapter
Musical Instruments Owned or Rented 		19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
 Office Equipment
Other Items/Stock Held for Sale
Overhead Projectors
Posters and Signs
Printers
Meeting Equipment
Puppets
Record Library
Sports Equipment
Stocks of Printed Material for Sale
Storage Containers
Tables and Chairs
Telephone Equipment
Theatrical Props
Typewriters
Video Library
Video Recorders
Uniforms and Costumes

D. Where Coverage Is Applicable
The geographic limitation of almost any insurance contract is described by its policy territory. The territory of this particular policy is within the 48 contiguous states of the United States of America, the District of Columbia, and within the states of Alaska and Hawaii. Coverage is provided for qualifying property wherever that property may be located, provided the listed property is within the policy territory.
E. When Coverage Is Applicable
A local Chapter may purchase annual coverage at any time. Please see the Chapter Enrollment Form.
F. What Is Excluded
This program has specific exclusions usual to this form of property insurance. It must be understood that this booklet is only a summary. It is not all inclusive, nor does it alter or waive any of the actual policy language. Questions regarding these exclusions, or this summary, should be directed to R.V. Nuccio & Associates, Inc. There is NO coverage, or coverage is excluded for:
  01.
02.

03.
04.

05.
06.

07.
08.


09.
10.

11.

12.
 Losses greater than the replacement value of the property.
Loss or damage caused by, or made worse by deterioration, inherent vice or latent defect.
Loss or damage caused by, or made worse by wear and tear.
Loss or damage caused by, or made worse by seizure or destruction of property by order of governmental authority.
Loss or damage caused by, or made worse by flood.
Loss or damage caused by, or made worse by any weapon employing atomic fission or fusion or nuclear reaction or radiation, radioactive contamination, however caused.
Loss or damage caused by, or made worse by war, including undeclared or civil war. Loss or damage caused by, or made worse by insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.
Loss or damage caused by, or made worse by illegal transportation or trade.
Loss or damage caused by, or made worse by a dishonest act of an employee (see Bonding Plus).
Loss or damage caused by, or made worse by the neglect of the insured to reasonable protect the property from a disaster or neighboring fire.
Loss or damage to fine arts caused by, or made worse by:
a. repairing, restoration or retouching
b. breakage of art glass windows, statuary, marbles, glassware, bric-a-brac, porcelains, and similar fragile articles, unless caused by fire, lightning, aircraft, theft, etc.
c. exhibition at fair grounds or on the premises of any national or international exposition, unless such event is covered by endorsement to this policy. 		 

G. Claims Handling
A standardized Proof Of Loss form is provided upon request. When a loss is discovered, the form is completed by an officer of the organization and mailed directly to R.V. Nuccio & Associates, Inc.
COVERAGE IV DIRECTORS & OFFICERS LIABILITY PLUS
A. Directors & Officers Liability (D&O)
Directors & Officers Liability is sometimes referred to as D&O, Association Professional Liability, management malpractice or as in this case, Directors & Officers Liability Plus. D&O picks up where Commercial General Liability (known within this booklet as Liability Plus) leaves off. Each coverage provides defense and judgment insurance protection for a different set of third party liability claims or exposures. Said another way, D&O excludes that which is normally covered by a Commercial General Liability policy such as Liability Plus, and Liability Plus excludes that which is normally covered by a D&O policy such as Directors & Officers Liability Plus. Whereas Liability Plus provides third party liability insurance protection for covered losses resulting from an actual or alleged Bodily Injury, Property Damage, Personal Injury or Advertising Injury, Directors & Officers Liability Plus provides third party liability insurance protection for covered losses resulting from an actual or alleged error or omission, misleading statement or breach of duty.
B. Who Is Insured
Directors & Officers Liability Plus is available to any qualifying local Chapter wishing to purchase this D&O liability protection. The following are Insureds under the policy:

01. A local chapter as an entity.

02. Any:

a. Director; or
b. Officer; or
c. Trustee; or
d. Employee; or
e. Volunteer; or

03. The estates and lawful spouses of those individuals mentioned in number 2 above.
C. What Is Insured
The policy provides (subject to policy language) Claims Made Directors & Officers Liability insurance protection up to purchased limit per occurrence/annual aggregate. Policy highlights include:

01. Wrongful Act coverage including:

a. error or omission
b. negligent act
c. misleading statement
d. breach of duty

02. Employment Practices Liability coverage

03. Separate limit per local Chapter (limit not shared with other Chapters)

D. Where Coverage Is Applicable
The geographic limitation of almost any insurance contract is described by its policy territory. The territory of this particular policy is within the 48 contiguous states of the United States of America, the District of Columbia, and within the states of Alaska and Hawaii.

E. When Coverage Is Applicable
A local Chapter may purchase annual coverage at any time. Apply Now Online
F. What Is Excluded
This program has specific exclusions usual to this form of Claims Made Directors & Officers Liability insurance. It must be understood that this booklet is only a summary. It is not all inclusive, nor does it alter or waive any of the actual policy language. Questions regarding these exclusions or this summary, should be directed to R.V. Nuccio & Associates, Inc.

There is NO coverage, or coverage is excluded for loss or claims arising out of :
01. Unjust enrichment, obtaining profit or advantage to which the Insured was not entitled.
02. Any criminal, malicious, fraudulent, knowingly wrongful, or dishonest act or omission.
03. Bodily Injury (see Liability Plus)
04. Property Damage (see Liability Plus)
05. Personal Injury (see Liability Plus)
06. Year 2000 computer failure
07. Nuclear exposures
08. Pollution exposures
09. Securities Exchange Commission exposures
10. Employee Benefit plans
11. Government grants
G. Incident Reporting And Claims Handling
Directors & Officers Liability Plus is written on a Claims Made policy form. It is not Occurrence policy form coverage. The coverage trigger is based upon the claim report date and not the date of incident. It is extremely important that any claim, incident, loss, suit or threat or hint of any of these be reported immediately to R.V. Nuccio & Associates, Inc. before you talk to anyone. Call 1-800-567-2685.
H. How To Obtain Directors & Officers Liability Plus
Apply Now Online

 
COVERAGE V ACCIDENT MEDICAL PLUS
A. Accident Medical
Accident Medical Plus is medical expense insurance which will sometimes help to avoid a lawsuit. The theory is that if their medical expenses are paid, an injured person will not sue. The Accident Medical Plus provides insurance coverage for out-of-pocket medical expenses resulting from an accident at a sponsored activity or event. Accident Medical Plus coverage was designed as a supplement to and not a replacement for Liability Plus, as it will cover certain medical expense claims which are not covered by the Liability Plus. Members, volunteers, spectators and participants have come to expect their medical expenses to be paid by the organization in the event of an accident. Liability Plus and Accident Medical Plus in combination provide the broadest coverage available.

B. Who Is Insured
Anyone injured while attending a covered sponsored supervised Chapter activity or event.

C. What Is Insured
Coverage is provided for medical expenses incurred up to the selected limit while attending an organization sponsored activity or event.

D. Where Coverage Is Applicable
The geographic limitation of almost any insurance contract is described by its policy territory. The territory of this particular policy is within the 48 contiguous states of the United States of America, the District of Columbia, and within the states of Alaska and Hawaii.

E. When Coverage Is Applicable
A local Chapter may purchase annual coverage at any time. Apply Now Online
F. What Is Excluded
This program has specific exclusions usual to this form of Accident Medical insurance. It must be understood that this booklet is only a summary. It is not all inclusive, nor does it alter or waive any of the actual policy language. Questions regarding these exclusions or this summary, should be directed to R.V. Nuccio & Associates, Inc.

There is NO coverage, or coverage is excluded for loss or claims arising out of:
01. Suicide, suicide attempt or self-inflicted injury;
02. Sickness, disease or infections;
03. Criminal activity;
04. War;
05. Military duty;
06. Intoxicants;
07. Drugs unless taken under the advice of a Physician;
08. Aircraft;
09. Stroke;
10. Losses covered by other insurance;
11. Speed contests; and,
12. Any type or kind of sport or athletic activity.
G. Incident Reporting And Claims Handling
It is extremely important that any claim, incident, loss, suit or threat or hint of any of these be reported immediately to R.V. Nuccio & Associates, Inc. before you talk to anyone. Call 1-800-567-2685.

H. How To Obtain Accident Medical Plus
Apply Now Online

 
IMPORTANT NOTES:
1. This Coverage Summary is only a summary. It is not all inclusive, nor does it alter or waive any of the actual policy language. Questions regarding this summary should be directed to R.V. Nuccio & Associates, Inc. at 1-800-567-2685.
2. Any pricing information contained within this booklet is subject to change without notice.
3. The underwriter and/or the Program Administrator reserve the right to accept or reject any application for insurance.
4. Coverage will not be effective and a Certificate Of Insurance will not be issued until the full and correct payment has been received by R.V. Nuccio & Associates, Inc. 5. Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
5. Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.


Exclusive National Program Administrator:
R.V. Nuccio & Associates, Inc.
10148 Riverside Drive
Toluca Lake, CA 91602
T. 818.980.1414
F. 818-980-1595

Insured By: FIREMAN’S FUND INSURANCE COMPANY

NAAO018A.DOC

 


 

 
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