Tag Archives: Ask the experts

Ask the Experts: Waivers

An injury is not compensable if it occurs as a result of an employee’s participation in a voluntary recreational activity or program, regardless of whether the employer promoted, sponsored, or supported the recreational activity or program.

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Ask the Experts: TULIP Coverage

While the district doesn’t need special coverage for such events, the event organizer may be well-advised to obtain it. Summer is filled with endless activities such as festivals, and outside organizers often host these exciting events at district facilities. This can be a huge headache for the district if someone is injured or if there is damage to property.

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Ask the Experts: Underground Property

While we specifically exclude coverage for underground property, there is an exception for underground property that is specifically scheduled and properly valued. Storage tanks, wells, and pipes are often overlooked when updating scheduled property.

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Ask the Experts: Covenant Enforcement

Members must disclose their participation in covenant enforcement for underwriting purposes and remit a nominal charge based on the number of homes. This allows us to provide coverage for any unforeseen risks involved with this type of exposure without having to raise rates for every member.

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Ask the Experts: Scheduling Manholes and Pipelines

The Pool provides coverage for underground (UG) pipes but only if they are within 1,000’ of a scheduled location and coverage is limited to damage from fire or explosion. If a district schedules manholes and UG pipelines, there is coverage for direct physical damage from anything not normally excluded.

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Ask the Experts: Excluded Property Coverage

Insurance topics can be confusing, so our experts tackle a couple of common questions about excluded property features such as ponds, parking lots, paved areas, underground pipes, and more.

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Ask the Experts: Business Interruption Coverage

Insurance topics can be confusing, so we’re here to help you make sense of your coverage options. In this addition of Ask the Experts, we cover two topics: Business Interruption Coverage and the Sanitation Maintenance Warranty.

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