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Educational Entity Coverage A - CGL
Including Non-Employee Sexual Molestation and Harassment
Coverage Highlights
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Insuring Agreement
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| Pay on behalf or Indemnity (Optional) |
| All loss and claims expenses to which this insurance applies in excess of the self-insured retention as shown on the Declarations. |
| Occurs during the policy period |
| Non-employee harassment--coverage trigger--initial harassment |
| Sexual molestation -- coverage trigger -- first touch |
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Entities/Operations Insured
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COVERED ORGANIZATIONS
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| You, the Named Insured as shown on the Declarations |
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COVERED PERSONS
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Members of the Governing Boards
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Officers
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Employees
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Authorized Individual Volunteers
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Professional Services being rendered if at the time of such wrongful act(s), such person was under the direct supervision and control of the Insured.
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Student Body Organizations
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Students participating in internship programs required by Insured but only while completing the school supervised, sponsored, board approved internship and only while under supervision as required by the program.
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| Per Occurrence |
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Misleading statements
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| Limit of Insurance shown in the Declarations is the most we will pay the Insured under the Coverage Part regardless of the number of: |
Insureds
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Claims made or suits brought
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Persons, organizations or government agencies making claims or bringing suits
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| Limit of Insurance will not be reduced by the self-insured retention |
| Annual Aggregate for all covered acts |
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DEFENSE COST COVERAGE
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| Within Policy Limits |
| In addition to Policy Limits (Optional) |
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SELF INSURED RETENTION
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| Minimum Amount $50,000 |
| Allocated inside retained limit |
| Allocated Outside Retained Limit (Optional) |
| Annual Aggregate Applicable (Optional) |
| Self-insured retention applies to each and every wrongful act against damages and claim expenses for which coverage is afforded by this Coverage Part. |
| Self-insured retention shall not apply to damages or claims expenses related to a wrongful act which takes place prior to or subsequent to the policy period. |
| Self-insured retention shall not include any amount for damages or claim expenses related to any claims or part of a claim brought against the Insured for coverages which are not included in the terms of this Coverage Part. |
| Limits of Insurance of this Coverage Part apply in excess of the self-insured retention. |
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OTHER PROVISIONS
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Covered Territory
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Anywhere in the World provided claim or suit is brought in USA, including its territories or possessions or Canada.
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Settlement Provision
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Unilateral "insurer" discretion (Optional)
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Hammer clause (Optional)
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Purchase Separate Coverage for:
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Stop Gap Coverage
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Employee Benefits Coverage (claims-made only) (Optional)
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Automobile Liability (Optional)
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Anti-Stacking Clause
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Separation of Insureds
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Non-Waiver of Governmental Immunity
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