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K & K INSURANCE
Insuring the world's funŽ
HAWK RACE CONSULTANTS
PRESENT THE:
2009 INSURANCE FOR THE ECBRCNJ!!!!!
National Casualty Co.
AM Best Rating “A+” Admitted Market
Nationwide Life Ins. Co.
AM Best Rating
“A+” Admitted Market
UNDERWRITING AGENT
Insuring the world's funŽ is our focus. For
over 50 years, K&K
Insurance has been
recognized as the leading provider of sports,
leisure and entertainment insurance products.
As
one of the largest Managing General
Underwriters in the United States, we perform
a variety of traditional insurance
company
functions on behalf of the insurance
companies we represent, allowing us to
provide exceptional service in:
program
development, sales and marketing,
underwriting, policy issuance and
administration, loss control and claims.
Richard
H. Felsen, President
HAWK RACE CONSULTANTS
Broker & Risk Consultant
“Motor Sports Specialist”
111
Great Neck Road
Great Neck, NY 11021
TEL: 516-466-9760
FAX: 516-466-9663
CELL: 516-449-1134
It is the responsibility of the chief referee and
the race promoter to see that any incident that
takes place during
a sanctioned ECBR event is
recorded on the incident report form and
submitted by mail no later than one day
following
the event.
In the event of a fatality, or a transport to the
hospital, promptly call:
K&K Emergency Claims Service
at:
(800) 637-4757
This number is accessible 24 hours a day.
If a demand is made for damages for either
bodily
injury or property damage liability, a
complete and detailed incident report must be
provided to K&K Insurance Group
Claims
Dept.
Copies of any demands, summons and legal
papers are to be provided to K&K Insurance
Group without
delay.
MAIL COMPLETED INCIDENT REPORTS TO:
K&K Insurance Group, Inc.
1712 Magnavox Way
Fort Wayne, IN 46804
1-800-237-2917
The
information contained in this brochure is
a summary of benefits provided. It is NOT a
complete explanation of all the
provisions of
the policy or specifics of the policy benefits.
No coverage is extended and no
representations are
made other than what is
stated in the policy. For a complete
description of program coverage, exclusions,
and benefits,
please refer to the policy.
A participant includes a driver, throttleman,
navigator, mechanic, official, or anyone else
who has a duty necessary
to the conduct of a
sanctioned ECBR event for which the fee has
been paid in full and who has signed an
ECBR -approved
waiver and release.
The ECBR Waiver and Release of Liability,
Assumption of Risk, and Indemnity
Agreement is a mandatory
legal document
that acknowledges that each participant
accepts full responsibility for all risks
associated with
participating in the ECBR -
sanctioned event. Each participant and each
person granted access to a restricted area must
sign
an approved waiver and release. All
member participants who have signed the
approved waiver and release form and possess
a
valid ECBR pit identification are eligible for
member accident medical coverage. No
coverage is provided for any person
who is
not defined as a participant.
It is the responsibility of the chief referee and
the race promoter to see that
any incident that
takes place during a sanctioned ECBR event is
recorded on the incident report form and
submitted
by mail no later than one day
following the event.
In the event of a fatality, or a transport to the
hospital, promptly
call:
K&K Emergency Claims Service at:
(800) 637-4757
This number is accessible 24 hours a day.
If a demand
is made for damages for either
bodily injury or property damage liability, a
complete and detailed incident report must
be
provided to K&K Insurance Group Claims
Dept.
Copies of any demands, summons and legal
papers are to be
provided to K&K Insurance
Group without delay.
MAIL COMPLETED INCIDENT REPORTS TO:
K&K Insurance Group, Inc.
1712
Magnavox Way
Fort Wayne, IN 46804
1-800-237-2917
The information contained in this brochure is
a summary of benefits
provided. It is NOT a
complete explanation of all the provisions of
the policy or specifics of the policy benefits.
No
coverage is extended and no
representations are made other than what is
stated in the policy. For a complete
description
of program coverage, exclusions,
and benefits, please refer to the policy.
Insuring the world's funŽ
HAWK RACE CONSULTANTS
PRESENT
THE:
2009
Insurance
Program
National Casualty Co.
AM Best Rating “A+” Admitted Market
Nationwide
Life Ins. Co.
AM Best Rating “A+” Admitted Market
UNDERWRITING AGENT
Insuring the world's funŽ is our
focus. For
over 50 years, K&K Insurance has been
recognized as the leading provider of sports,
leisure and entertainment
insurance products.
As one of the largest Managing General
Underwriters in the United States, we perform
a variety
of traditional insurance company
functions on behalf of the insurance
companies we represent, allowing us to
provide
exceptional service in: program
development, sales and marketing,
underwriting, policy issuance and
administration,
loss control and claims.
Richard H. Felsen, President
HAWK RACE CONSULTANTS
Broker & Risk Consultant
“Motor
Sports Specialist”
111 Great Neck Road
Great Neck, NY 11021
TEL: 516-466-9760
FAX: 516-466-9663
CELL:
516-449-1134
Who is a participant?
ECBR Waiver and Release
Incident Report Form
Claims Procedure
About the
Insurance Providers
About the Program Providers
IMPORTANT: PLEASE NOTE
MINORS: DO NOT sign the Adult
Waiver and
Release Form. MINORS
must sign the Minor Waiver and Release
Form, and that signature MUST BE
WITNESSED BY BOTH parents
(if
applicable) or a LEGAL guardian.
Brothers, sisters or friends MAY NOT act
as witnesses to this signature. Adult
Waiver
and Release forms are to be
retained for five (5) years.
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The ECBR Master Event Liability Program provides General Liability coverage with a limit of $2,000,000
EACH OCCURRENCE
WITH NO AGGREGATE for ECBR sanctioned events. These policies provide
liability coverage for covered occurrences during
ECBR Sanctioned Insured Events.
Coverages under the ECBR Master Event Liability Program Include:
Participant Legal Liability:
In combination with the completed Waiver & Release of Liability, Assumption of
Risk, Indemnity Agreement, and appropriate
accident coverage, this coverage provides protection against lawsuits
brought by participants for a bodily injury.
Products
and Completed Operations: Provides coverage for bodily injury losses resulting from sale of ECBR
and member club products.
(Does not include maintenance services performed on competition boats or vehicles.)
Spectator Liability: Provides protection
in the event of spectator bodily injury or property damage liability.
Unintentional Errors and Omissions: Protects against
allegations of breach of duty in conducting the
sanctioned event ($100,000. limit applicable)
Personal and Advertising
Injury Liability: Provides coverage for false arrest, libel, slander, wrongful
eviction, and privacy violation.
Property
Damage to Official Watercraft: Provides coverage up to $300,000., for losses resulting from
covered damage to official
watercraft. (Subject to a $1,000. deductible per loss)
Non-Owned Aircraft Liability: Provides coverage up to the policy
limit for non-owned aircraft, subject to terms
and conditions of policy.
Contractual Liability: Provides coverage for
liability assumed under leased premises, municipal indemnification,
or sidetrack agreement; does not indemnify certain
professionals for their failure to perform their function.
Optional Liability Coverages:
Contingent Fireworks: Provides
secondary coverage against claims arising out of fireworks, pyrotechnics, or any
similar explosive material. Coverage is
excess of any other insurance. For coverage to apply, primary fireworks
coverage must be in place. Maximum Limit: $1,000,000.
Liquor
Law Liability: If alcoholic beverages are being sold by a ECBR member club, please contact main
ECBR office or broker to
obtain the necessary Liquor Law Liability Application. We can offer up to a $1,000,000.
Limit for this coverage.
(ALL
COVERAGES ARE SUBJECT TO POLICY TERMS, CONDITIONS & EXCLUSIONS)
Participant accident medical coverage is provided only for eligible participants as defined in the policy and
not
for any other persons or additional insured who are not also eligible participants. This policy only
provides coverage
for accidental bodily injury suffered during ECBR Insured Sanctioned Events.
ECBR Member Basic Benefits ECBR Non-Member
Basic Benefits
All Racing and Crew Categories All Other Categories
Accidental Death and Accidental Death and
Dismemberment
$3,000.00 Dismemberment $3,000.00
Participant Accident Participant Accident
Medical Excess Expense $3,000.00 Medical
Excess Expense $3,000.00
Deductible: $500.00*
*No separate deductible for those having other collectible insurance.
Accidental
Death and Dismemberment – Members:
The full benefits are paid for accidental loss of life, two limbs, or both eyes.
One half the benefit amoun ts are paid for
loss of one limb or one eye. Benefits are payable up to one year from the date
of accident.
Participant Accidental Excess Medical Expense – Members and Non-Members:
If, as a result of accidental
body injury, the participant requires: (1) treatment of services of a legally qualified physician
or surgeon or a licensed
or graduate nurse; (2) x-ray examination; (3) confinement in a hospital; or (4) the use of
ambulance for transportation
from the location of the covered event to the location where first treatment by a qualified
physician is administered,
the policy will pay the reasonable costs of such services rendered within one year from date
of accident that are in excess
of the deductible amount but not more than the applicable amount of benefits shown
above.
Medical Exclusions:
Coverage
does not apply for medical expenses incurred due to a pre-existing condition, which means any injury that the
participant
received medical treatment for during the 12 month period immediately preceding the date of covered
accident.
General
Exclusions Include, but are not limited to:
Loss resulting from: (1) driving while intoxicated; (2) assault and battery;
(3) committing a felony; (4) illness, disease,
bacterial infection, except bacterial infection of an accidental bodily
injury; (5) the operation or use of any jet propelled,
rocket propelled or nuclear powered vehicle; (6) participating in
special events, thrill shows, entertainment; or (7)
serving as a member of the crew or learning to operate aircraft.
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