Instructors and Interns

• Professional and Non-professional Recreation and Park Department Employees. 
• Volunteer Recreation, Park and Playground workers. 
• College Students majoring in the field of recreation. 
• Individual Members of the NRPA.

$1,000,000 per occurrence or $500,000 per occurrence as selected. 

This policy will be issued on an occurrence basis, including the following significant provisions: 

• Policy limit includes defense outside the policy limit, investigative and all other related costs. 
• Policy limit is a per occurrence limit. 
• Sponsoring organization is not an additional named insured.

• Actual or alleged negligence by the insured recreation employee or commissioner while acting with the scope of their duties granted to them by the sponsoring organization: 
• Work at Recreation Centers and Playgrounds, Parks, Swimming Pools, Ice and Roller Rinks, Day Camps, Team Sports Arenas and Stadiums, Golf Courses, Zoos, Organized Trips and Tours. 
• Personal & Advertising liability 
• Participant legal liability 
• Professional Liability 
• Invasion of privacy, wrongful eviction, or wrongful entry. 
• Cost of investigation and defense against claims, even if they are groundless

• Asbestos 
• Employment related practices. 
• Fireworks 
• Fungi or bacteria 
• Haunted attractions 
• Lead 
• Medical, therapy or health care services 
• Nuclear Energy Liability 
• Performers 
• Physicals/Stress Testing or Therapy 
• Massage or Salon Services 
• Cryogenic Chambers/Therapy 
• Coaches (exempt or non-exempt) acting on behalf of a college, school or any other organized competitive athletic team 
• Self-employment, volunteer activities outside scope of defined "business pursuits," conducting of tours abroad, ownership of summer camps and/or overnight camps or similar activities, work at overnight camps and/or similar activities. 
• Certified athletic trainers 
• Amusement devices (eg: rides, slides, inflatables, bungees, climbing walls, dunk tanks) 
• Instruction in the following activities: canoeing, cycling, diving, equestrian, gymnastics, kayaking, wrestling, boxing, motorsports, martial arts, paintball, rowing, rope training, mountain climbing, (including indoor and outdoor manmade practice areas), scuba diving, surfing, rodeo, skiing, snowboarding. 
• Concerts 
• Sexual Abuse or Sexual Molestation 
• Animals 
• Rodeos 
• Training programs for law enforcement, public safety and military personnel 
• Operation or management of a commercial sports, fitness, or dance facility 
• Instruction held on or in open water (e.g.: lakes, ponds, oceans) 
• Rope training 
• Mountain climbing (including indoor & outdoor man made practice areas) 
• Sale or distribution of herbal, medicinal and/or nutritional products

Liability Insurance policies are provided by AIG Specialty Insurance Company (surplus lines) - Rated "A" by AM Best Company.