Group Liability and Equipment Insurance
CALLERLAB Members, Associate Members, and Apprentices who live in the U.S. are automatically enrolled in CALLERLAB’s group insurance program upon payment of their current dues and fees. Retired callers are not eligible to participate in the insurance program.
The general liability, bodily injury and property damage portion of the policy provides liability coverage in the amount of $1,000,000 per occurrence, with an aggregate limit of $2,000,000 per event. It provides an umbrella of $4,000,000, again, $1,000,000 per occurrence. It protects CALLERLAB and you, the caller, for any acts, or omissions of acts, that result in bodily injury or property damage while you are calling square dances or related activities. You may obtain a certificate of insurance by contacting Jenny at Jenny@northwestbrokers.com or calling 208-322-8300.
The accidental medical portion of the policy provides supplemental insurance for you while you are conducting square-dance-related activities. Maximum coverage is $10,000. This coverage is effective only after your primary carrier, Medicare or other health insurance company has settled a claim.
The AD&D portion of the policy covers you while traveling to or from a square dance. Coverage for accidental death is $5,000. Coverage for accidental dismemberment may be as high as $5,000 depending on the loss.
These policies do not cover the dancers. Dancers may have their own accident and medical insurance, either through their homeowner’s policy or through their club in the U.S.D.A. (United Square Dancers of America).
“Related activities” include regular dances, workshops, classes, one night stands, contra, traditional, round dancing and line dancing. Coverage is available for partners that cue round dances, line dances, or otherwise share responsibilities with the caller, by paying an additional premium. Contact the CALLERLAB Home Office by phone for details. If a caller is dropped from membership, then the insurance for both the caller and the partner is null and void as of the date the caller dropped from the membership rolls.
The policy year is April 1st through March 31st of the following year. If dues are not paid by April 1st, the insurance is not effective until full payment received. The insurance cost is not prorated for members joining in mid-year. The premium is the same regardless of the date you pay your dues and fees.
Theft of, or damage to, a caller’s sound equipment, records, tapes, book, etc, is not covered by the above insurance. Equipment insurance is available for a nominal charge. Contact the CALLERLAB Home Office (785-783-3665) for details. Applications are also available.
Liability insurance is also available to CALLERLAB Affiliated Organizations. Contact the Home Office by phone for details.
Canada and Overseas
Canadian and overseas callers are not covered by CALLERLAB’s group insurance policies. We urge Canadian and overseas callers to contact their local organizations for their insurance needs.