SAMPLE INSURANCE CHECKLIST
Do HaveDo NotNo Action
HaveNeeded
PROPERTY
Building & Contents
Basic Causes of Loss______
Broad Causes of Loss______
Special Causes of Loss______
Deductible: $500 is standard; $1000 or higher is available______
Replacement Cost Coverage______
Blanket Coverage on Building & Contents______
Current Appraisal______
Coinsurance Compliance______
Agreed Value______
Earthquake and Flood-Difference in Conditions______
Property of Campers, Staff, & Others in Your Control______
Building Ordinance Coverage/Demolition/Increased Cost of Construction______
Signs______
Additional Covered Property (fences, piers, wharves, docks,
athletic backstops) ______
Spoilage Coverage______
Camp Equipment Floater
Broad Causes of Loss______
Special Causes of Loss______
Deductible______
Computers & Audio-Visual______
EQUIPMENT & MACHINERY
Business Interruption
Loss of Income/Net Profit______
Extra Expense______
Other Income______
Automobile
Limits of Liability — $1,000,000 Single Limit BI/PD______
Uninsured Motorist and Underinsured Motorist Increased Limits______
Nonowned, Hired, and Borrowed Autos______
Leased Autos/Additional Insureds______
Autos Furnished by Employees______
Medical Payments______
No Fault______
Do HaveDo NotNo Action
HaveNeeded
Comprehensive______
Collision______
Towing/Private Passenger Vehicles______
Drivers Operating Records Checked______
Volunteers as Insureds______
Employees as Insureds______
GENERAL LIABILITY
Occurrence Form______
Limits of Liability — $1,000,000 CSL BI PD______
Products Liability______
Independent Contractor’s Liability______
Camp Director’s Liability______
Sexual Abuse Liability______
Malpractice Including Camp & Individual Doctor, Nurse, or EMT______
Personal Injury Liability Including Employee Coverage______
Advertising Liability______
Contractual Liability______
Saddle Animal Liability______
Fire Legal Liability______
Owned Watercraft______
Nonowned Watercraft Under 26 Feet______
Additional Insured Employees/Volunteers______
Host Liquor Liability______
Excess Camper Medical______
Other Exposures or Business______
Employment Related Practice Liability______
Internet Liability______
Employee Benefit Liability______
Umbrella (Catastrophe) Liability
Drop-Down Feature______
“Pay on Behalf Of” vs. Reimbursement Clause______
Follow Form of Primary Coverage______
Self-Insured Retention______
Workers’ Compensation
Executive Officers of Corporations Excluded
(where permitted by State Law) ______
Employer’s Liability Increased Limits______
Do HaveDo NotNo Action
HaveNeeded
Non-Occupational Benefits Law (DBL) ______
Other States Coverage______
Stop Gap Liability______
Camper Medical Coverage
Benefit Maximum (Minimum $1,000 per Camper) ______
Primary Coverage______
Secondary Coverage______
Accident Only______
Accident and Sickness______
Dental Coverage______
Catastrophe Cash for Paralysis______
Staff Medical Coverage
Benefit Maximum______
Primary Coverage______
Secondary Coverage______
Accident Only______
Accident and Sickness______
Dental Coverage______
Catastrophe Cash for Paralysis______
Director’s & Officer’s Liability (Nonprofit)
Directors______
Officers______
Prior Acts______
Employment Related Practice Liability______
Crime Insurance
Coverage for Employee Dishonesty______
Loss of Money & Securities (Inside & Outside) ______
Depositor’s Forgery______
Counterfeit Currency______
ERISA Bond for Pension Plan Trustee______
Personnel
Key Man Life Insurance______
Major Medical Insurance______
Pension/Profit Sharing______
Fiduciary Liability for Pension Plan Trustee______
Disability______
24-Hour Accident Insurance (Business & Pleasure) ______