Frequently Asked Questions Regarding the Federation Insurance Coverage
B.A.S.S. Nation 2013
$1,000,000 Liability Insurance
Yes. Members of the B.A.S.S. Nation and its member state organizations, affiliated clubs and Junior Clubs are covered while participating in B.A.S.S. sanctioned events or during chapter meetings and activities that are not open to the public.
Officers are Insureds under the policy. The policy responds to claims arising from bodily injury, property damage, personal injury and/or advertising injury to third parties.
All of the above as B.A.S.S. Nation members for actions relating to activities being performed on behalf of or in conjunction with B.A.S.S. Nation, state affiliates and affiliated clubs.
This policy does not replace the boat owner’s need to purchase boat liability insurance. The boat owner’s policy is primary. In the event a loss exceeds the boat owner’s policy limit, this insurance will not act as excess for the boat owner. The coverage provided by this policy is for B.A.S.S. Nation, its member state organizations, and affiliated clubs, not individual boat owners in this instance.
Claims resulting from Bodily Injury, Property Damage and Personal and Advertising Injury to 3rd Parties.
There is coverage for B.A.S.S. Nation and affiliated clubs during sanctioned events. There is no coverage provided under this insurance for non-members. However, there is still coverage for B.A.S.S. Nation or a member that is named in a suit arising from the actions of non-members.
B.A.S.S. Nation would have coverage for participating in an outdoor show and having booth space, etc. The policy would provide coverage for Bodily Injury and Property Damage for claims arising from activities in and around their booth.
No, just document in your official meeting minutes, etc. that it is an official function. Insurance certificates are only needed when a 3rd party not connected with B.A.S.S. Nation is requiring them of you to hold an event.
Yes, however this policy does not provide coverage for suits between individual members.
This policy provides Host Liquor liability coverage. This means that coverage is provided for B.A.S.S. Nation for the casual or occasional distribution of alcohol (not for a charge) as long as B.A.S.S. Nation is not in the alcoholic beverage business. For host liquor coverage to be provided, there must not be a charge and the person doing the distribution must not be in the alcoholic beverage business.
This policy does not provide coverage for 3rd party certified servers. These vendors must provide their own liquor liability coverage. You should request certificates from these 3rd parties evidencing their liquor liability coverage and B.A.S.S. Nation should be named as an additional insured under their policy.
The Director of the B.A.S.S. Nation at: 205-313-0900. If he cannot answer your specific question, he can refer you an insurance professional.
Coverage is provided for Bodily Injury, Property Damage, Personal Injury or Advertising Injury caused to third parties and arising from actions of B.A.S.S. Nation members while conducting business throughout the country. However, this is not a travel accident policy.
Yes, volunteer workers are covered but only while performing duties related to B.A.S.S. Nation business. Be sure to obtain a signed waiver from all participants and volunteers at least once each year.
This is only a very general reference to what coverage(s) the insurance policy (or policies) will provide, and is not intended to attempt to describe all of the various details pertaining to the insurance. Actual coverages are detailed in the policy of insurance and are always subject to all terms, provisions, conditions, and exclusions as contained therein.