A policy to protect our Affiliate Societies and its Members against damage that may be caused to another party (person or property). It is not the intent of this policy to protect the individual Society member from damage they may do or cause to themselves or to their own property. The EFMLS insurance is referred to as a “third party” policy, i.e. it is written to protect the Society and its members against loss for damage caused by or action of one of its Society members against another party. In other words it is insurance against loss resulting from liability (obligations) for injury or damage to the person or property of others.
POLICY: Commercial General Liability
LIMITS: $2,000,000.00 General Aggregate $2,000,000.00 Products-completed Operations Aggregate $1,000,000.00 Personal & Advertising Injury $50,000.00 Fire Damage — any one fire $5,000.00 Medical Expense — any one person $2,500.00 Deductible on Paid PD/BI & AI Claims
COVERAGE: Premises/Operations, incidental product liability; Blanket contractual, Broad-form property damage; Personal injury; Society members as additional insureds, Medical expenses; Limited worldwide liability; Host liquor legal liability; Automatic coverage at newly acquired locations; Non-owned watercraft; Fire damage liability.
NAME INSURED: Eastern Federation of Mineralogical & Lapidary Societies, Inc.; Each member Society, Each member.
AGENT: Brown & Brown Insurance Agency
500 Plum St., Suite 200; Syracuse, NY 13204.
Contact: Eileen Wimmer 1-800-426-1120; (P) 315-671-8833 (F) 315-703-9519
COMPANY: Burlington Insurance Company
POLICY PERIOD: November 15, 2019 – November 15, 2020 RATE: $3.50 per member. *NOTE – (Per Brown & Brown; 7/20/2020) “We recognize the impact that the coronavirus has had on the insured. We will extend the policy for 90 days to 2/15/21 for no additional premium.” Endorsement
ADDITIONAL INSUREDS: When a Society needs to add someone as an “Additional Insured” on a Certificate of Insurance there must be a written contract between the Society and the entity that requires that they be added as an Additional Insured on the Society’s general liability insurance. The term “Additional Insured” is a way of naming an entity (company, municipality, etc.) on your insurance for a particular purpose (i.e. an event, show, swap, meeting space, etc.) such that your insurance extends to protect them as well as you. No contract is required to request Certificates of Insurance to show proof of insurance.