DIRECTIVE ON LIABILITY INSURANCE
Although Deborah does carry “Blanket Liability” insurance for its normal business activities, Chapter events are not automatically covered. Each Chapter is responsible for submitting all of the forms outlined in this section. Please copy the forms as needed.
With your help and cooperation, we can continue to have the broadest scope of Chapter fundraising with adequate insurance protection.
A. Primary Responsibility: It is the responsibility of the appropriate Chairperson to coordinate and make
B. National Office responsibility:
1. Notification of Events
* If an event will be occurring on a regular basis, such as monthly meetings, bingo games, etc., one form
may be used to report up to a year’s activity.
* An event form is required for ALL activities held in the name of Deborah. This includes, but is not
limited to: general and Board meetings, luncheons, auctions, trips, bingo games, raffle sales at community
locations and canister collections.
2. Certificate of Insurance Request for Outsiders
a. When services for products are being provided by outsiders, i.e., bus companies, travel agents,
caterers, restaurants, water craft (not Deborah volunteers), the Chairperson must request Certificate
of Insurance from each entity. Requests for certificates of insurance are not needed for the
following events if estimated participants are below 100: (If there are going to be over 100
participants in a calendar year then a certificate of liability has to be requested).
3. Evidence of Insurance Coverage for an Event
a. The Chapter will receive, when the event is approved, an acknowledgment that insurance
coverage is being provided.
b. A certificate of Deborah’s insurance coverage will be issued, when required by the owner of a
premises, township or municipality.
4. Releases, Agreements Necessary from Others
a. When the National Office approves an event, if any special requirements are necessary, the
Chapter will be informed.
b. If you are sponsoring any form of athletic event including walk-a-thons, bike-a-thons, etc., each
participant (if a minor, his/her legal guardian) must sign a release, (Athletic Waiver Form) or they
may not participate in the event. If a motorized unit is used, submit a completed Motorized Unit
Waiver Form. This is imperative!!!
c. When vendors are displaying and/or selling their wares, it is necessary that they sign a release
prior to being allowed to exhibit – Exhibit Waiver Form.
d. If an event involves a travel agent, always request the following: They must produce a copy of
their travel bond in the amount of $10,000.00 or more. They must prove they have been in business
no less than 3 years and they’ve been successful.
e. If an event involves bingo always request a copy of their insurance coverage regardless of the
number of participants. However, if hall is free (no rental fee or percentage of take is paid), then no
certificate will be required.
f. For any event involving liquor, a certificate must be requested including liquor liability
coverage. (Liquor price cannot be included in the ticket price).
g. Once all releases are complete, they must be forwarded to the National Office to be held on file.
The following types of events should always be reviewed before making a decision to proceed: any type involving swimming, amusement rides, fairs, carnivals, aircraft and watercraft (cruise ships).
Deborah has no insurance for exposure to losses arising out of or on watercraft (cruise ship) or aircraft. Therefore, great care is needed. Further, water sports, amusement rides and animals present exposures that underwriters
may not want, so coverage available from others is very important.
5. Notification of Incident
a. A person in the Chapter who will be attending the event should be responsible for completing
an Incident Report Form if necessary. This report should be made whether or not the individual
involved indicated their intention to make a claim. This would include such incidents as a slip, trip,
fall, cuts, bruises, verbal or physical altercations involving guests, volunteers, etc.
b. Should you receive formal notice of a claim after an event, complete the Incident Report Form as best
as can be remembered, and forward it immediately along with any correspondence on this matter to:
National Chapter Services & Support
20 Pine Mill Road
Browns Mills, NJ08015