Frequently Asked Questions About Liaiblity Coverage
What is this General Liability Coverage that I’ve heard about?
The 52 Peak Club has a general liability coverage policy from Sadler sports and recreation insurance company. This policy provides coverage for registered day hiking and registered backpacking participants of the 52 Peak Club.
Who is covered in the General Liability Policy?
The policy provides protection for Participants, Staff, and Volunteers of the Policyholder, against claims of bodily injury, liability, property damage liability and the litigation costs to defend against such claims.
What is covered in the General Liability Policy?
The policy provided coverage includes suits arising out of:
This policy covers all hikers in the 52 Peak Club when they are on our hikes and backpacking events. Imagine helping someone down an incline, helping someone up a rope or accidently kicking a rock that rolls down the hill and hurts them, without a policy such as this you can be sued and held liable. This policy protects you from claims arising from unfortunate events. Having a liability protection insurance policy is a relatively inexpensive addition to our club for the number and types of events we offer. We go to great lengths to ensure hiker safety and although we never want injuries to happen, accidents can and do happen. This policy is a smart benefit to all member of the club in the event of an accident.
Why do I need to sign a Waiver/Liability release (waiver)?
The waiver is an important part of the policy in the unfortunate event that you cause injury to another hiker, should the injured hiker sue you and everyone else on the hike. The General Liability Policy provides protection to all hikers.
Why do I need to take the fitness survey annually?
Our bodies age and health conditions change. That is why most doctors recommend an annual health physical. The fitness survey is a quick survey to determine if you have been informed of medical conditions that would make hiking detrimental to your health or wellness. It could take hours for medical attention to arrive at an accident on a hike. It's best not to hike until your medical authority agrees with your participation in such activities.
Why do I need to sign the waiver annually?
The policy requires that “the insured must maintain a system to regularly secure signed Waiver and Release forms from participants" and "failure to do that will void coverage in the event of a claim".
The 52 Peak Club has a general liability coverage policy from Sadler sports and recreation insurance company. This policy provides coverage for registered day hiking and registered backpacking participants of the 52 Peak Club.
Who is covered in the General Liability Policy?
The policy provides protection for Participants, Staff, and Volunteers of the Policyholder, against claims of bodily injury, liability, property damage liability and the litigation costs to defend against such claims.
What is covered in the General Liability Policy?
The policy provided coverage includes suits arising out of:
- Injury or death of participants
- Injury or death of volunteers
- Property damage liability
- General negligence claims
This policy covers all hikers in the 52 Peak Club when they are on our hikes and backpacking events. Imagine helping someone down an incline, helping someone up a rope or accidently kicking a rock that rolls down the hill and hurts them, without a policy such as this you can be sued and held liable. This policy protects you from claims arising from unfortunate events. Having a liability protection insurance policy is a relatively inexpensive addition to our club for the number and types of events we offer. We go to great lengths to ensure hiker safety and although we never want injuries to happen, accidents can and do happen. This policy is a smart benefit to all member of the club in the event of an accident.
Why do I need to sign a Waiver/Liability release (waiver)?
The waiver is an important part of the policy in the unfortunate event that you cause injury to another hiker, should the injured hiker sue you and everyone else on the hike. The General Liability Policy provides protection to all hikers.
Why do I need to take the fitness survey annually?
Our bodies age and health conditions change. That is why most doctors recommend an annual health physical. The fitness survey is a quick survey to determine if you have been informed of medical conditions that would make hiking detrimental to your health or wellness. It could take hours for medical attention to arrive at an accident on a hike. It's best not to hike until your medical authority agrees with your participation in such activities.
Why do I need to sign the waiver annually?
The policy requires that “the insured must maintain a system to regularly secure signed Waiver and Release forms from participants" and "failure to do that will void coverage in the event of a claim".