SPORTS ENTERTAINMENT DIVISION WWW JOHNMGLOVER COM ALPINE SKI

SPORTS & ENTERTAINMENT DIVISION WWW. JOHNMGLOVER. COM ALPINE SKI HOUSE

- Established 1916 Top 100 P&C Agent 140+ Companies Industry Experts Individualized Service In-House Claims Representatives Who Is John M. Glover? ALPINE SKI HOUSE

Your Team Dana & Susan Cagen VP’s Sports & Entertainment Division ALPINE SKI HOUSE 3

What Coverages Do You Need? 1. 2. 3. 4. 5. 6. 7. Commercial General Liability Commercial Property Hired & Non-Owned Auto Liability Directors & Officers Liability Accident Medical Coverage Commercial Umbrella Cyber Liability ALPINE SKI HOUSE 4

COMMERCIAL GENERAL LIABILITY - Most important insurance policy carried by Sports & Recreation Organizations! - Claims-Made & Occurrence Forms - Bodily Injury & Property Damage - Medical Payments - Stand-alone or in conjunction with other coverage forms such as Commercial Auto, Commercial Property, or Inland Marine ALPINE SKI HOUSE 5

COMMERCIAL PROPERTY - If Applicable - Ski Club Houses - Equipment Coverage - Everything in between! - Stand-alone or in conjunction with other coverage forms such as Commercial Auto or Inland Marine - Examples: Fire, Smoke, Windstorm, etc. ALPINE SKI HOUSE 6

HIRED & NON-OWNED AUTO LIABILITY - Individual using their own vehicle for association business - Individual using a rented vehicle for association business ALPINE SKI HOUSE 7

DIRECTORS & OFFICERS LIABILITY - Protects Board of Directors from a variety of potential lawsuits - Examples: - Membership Discrimination - Financial decisions members disagree with - Many more ALPINE SKI HOUSE 8

ACCIDENT MEDICAL COVERAGE - Provides coverage for club member injuries and lawsuits when Commercial General Liability does not - Example: A skier fractures his arm after a bad fall on the slope and is taken by ambulance to a nearby hospital. It’s a pure accident not caused by anyone’s negligence. Since your club isn’t held liable for the injury, your liability coverage doesn’t help to cover his medical fees, which include the cost of ambulance services, an ER visit, surgery and prescriptions. ALPINE SKI HOUSE 9

COMMERCIAL UMBRELLA - Excess liability coverage when primary policy’s liability is insufficient - $1 Million increments - Excess Umbrella limits available ALPINE SKI HOUSE 10

CYBER LIABILITY - Protection for cyber-attacks - You are at risk of a hack and/or theft if you maintain any sort of database holding personal information ALPINE SKI HOUSE 11

Questions? ALPINE SKI HOUSE

THANK YOU WWW. JOHNMGLOVER. COM DANA & SUSAN CAGEN +1 (833) 497 -4375 +1 (833) 497 -4378 dcagen@johnmglover. com scagen@johnmglover. com ALPINE SKI HOUSE