Multi-Peril Coverages - Series A

General Liability Coverages

• Comprehensive General Liability
• Medical Expense
• Sexual Misconduct and Molestation
• Supplementary Payments
• Legal Defense Coverage
• Catastrophic Violence Response Coverage

Comprehensive General Liability

The liability policy includes, as insureds, your clergy, elected or appointed officials and board members, employees (including teachers), volunteers, and most organizations your school controls.

Protection is provided against claims of negligence involving bodily injury, property damage, personal injury (such as libel and slander, including that arising from your incidental broadcasting activities, as well as Internet usage), and advertising injury. This protection applies to school-sponsored activities, even if away from your school.

It includes lawsuits originating from your premises, operations, products (including food preparation), construction, athletics, and the use of nonowned watercraft. Corporal punishment coverage is optional (not available in New York or New Jersey.)

Damage you cause someone else’s facility and for which you are legally liable is covered for up to a specific limit.

Medical Expense

Protection is provided to cover medical expenses incurred and reported to us within three years of volunteer workers, parents, and other guests who are injured at your school or while participating in your sponsored activities at or away from your school. This coverage is provided regardless of fault.

Medical Expense coverage also can be used for the costs of counseling for victims of sexual molestation and misconduct.

• For your students, you may choose to provide primary or excess medical expense coverage or no coverage at all.
• An optional death benefit may be provided to covered individuals (not available in New Jersey, Pennsylvania, and Virginia).
• An optional wage loss coverage is available to help you reimburse those who are injured on your premises or at your activities and incur a loss of income because of the injury. In most states, this benefit also applies to caregivers who lose wages while caring for a child, spouse, or parent who was injured on your premises or participating in your activities. If you purchase this coverage, you can choose to have athletic-related injuries be included or excluded.

Sexual Misconduct and Molestation

Protects your organization and, while acting within the scope of their duties, your members, clergy, officers, board members, employees, and volunteers. No protection is provided to anyone who participated in the act of sexual molestation or misconduct.

Supplementary Payments

Church Mutual’s multi-peril coverage includes special assistance to help you with the costs associated with a lawsuit. These supplementary payments are in addition to the limit of liability you choose.

• All payments incurred in your defense*
• Expenses you incur at our request, including up to $250 per day in lost wages
• Up to $500 for damage to property of others at your activities, even if you are not legally responsible

*In most states, defense costs are within policy limits for optional DO&T, EPL, and EL coverages.

Legal Defense Coverage

This coverage provides a specific limit of insurance for defense costs for most lawsuits (and administrative hearings) that are not covered by the multi-peril policy. Examples include contract disputes and landlord/tenant disputes.

This coverage is not the same as payment for legal expenses noted under "Supplementary Payments" above.

Catastrophic Violence Response Coverage

Provides immediate financial assistance--without regard to fault or negligence--for medical and funeral expenses; lost wages; and the costs of counseling, security, and public relations associated with a qualifying violent incident.

There are benefits for your school, for your students, and for the victims and their families in the wake of a violent incident such as a multiple-victim shooting or hostage situation.

The violent incident must occur on your premises during an activity you sponsor and result in the serious injury, death, or hostage situation of two or more persons (not including perpetrators).