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.

Commercial General Liability (CGL) Limit

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

This occurrence-based policy contains the following significant provisions:

• The CGL limit applies separately to each occurrence. 
• Defense costs are provided in addition to, and do not reduce, the Commercial General Liability (CGL) limits of insurance. 
• The sponsoring organization is not an Additional Named Insured.

• Actual or alleged negligence by an enrolled instructor, intern, or lifeguard while performing covered activities or operations within the scope of their reported duties 
• Coverage applies to reported instruction, intern, and lifeguard activities conducted at eligible parks and recreation facilities in the United States 
• Personal & Advertising Injury Liability 
• Legal Liability to Participants
• Professional Liability 

• Amusement devices (eg: rides, slides, inflatables, bungees, climbing walls, dunk tanks)
• Animals 
• Certified athletic trainers 
• Coaches (exempt or non-exempt) acting on behalf of a college, school, or any other organized competitive athletic team
• Concerts
• Cryogenic chambers/therapy 
• Employment related practices
• Fireworks 
• Haunted attractions 
• Instruction held on or in open water (e.g.: lakes, ponds, oceans) 
• Instruction in the following activities: canoeing, cycling, diving, equestrian, gymnastics, highland games, javelin and hammer, 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. 
• Instructors under the age of 18
• Lifeguard operations in open water
• Massage or salon services 
• Medical, therapy, or health care services 
• Operation or management of a commercial sports, fitness, or dance facility
• Physicals/stress testing or therapy 
• Rodeos 
• Sale or distribution of herbal, medicinal, and/or nutritional products
• 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. 
• Sexual abuse or sexual molestation 
• Training programs for law enforcement, public safety, and military personnel 

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