AMERY YOUTH HOCKEY ASSOCIATION
POLICY & PROCEDURE MANUAL

Policy/Procedure: INSURANCE COVERAGE -- Policy I

Approved:  April 26, 1994; updated October, 2002

To provide insurance protection for the facilities owned by the AYHA, for players within the Association, and to protect from liability, individuals who volunteer to serve the AYHA, the Association will provide the following types of insurance protection.

USA Hockey 

 Each player and coach within the AYHA will be required to enroll in the USA Hockey Insurance program. The cost of this coverage will be included in the registration fees paid by members and will be provided by the AYHA for coaches.

 
Property 

The AYHA will obtain the following coverage.

Building & Contents -  $1,150,000 limit        
Boiler & Machinery -  $ 100,000 limit

Business Personal Property - $ 15,000 limit
     includes Money & Securities Coverage Endt. ($2,000 limit)
     includes Employee Dishonesty Coverage Endt. ($25,000 limit)
     (all 3 above coverages each has $1,000 deductible)

Liability 

$ 500,000 each occurrence limit
$1,000,000 general aggregate limit
     includes Liquor Liability Endorsement
Directors and
Officers Liability 		  Coverage for any directors or officers who has a suit brought against them because of decisions made on behalf of the association, should have coverage under their homeowners policy. If they do not have coverage, please advise the secretary that your homeowners policy will not provide coverage for liability assumed as a volunteer on the Board of Directors.

Premiums associated with this coverage will be budgeted and paid by the AYHA.