Organization Insurance

 Through a program established by the Eastern Federation, Organizations can purchase low cost liability and/or accident insurance to cover their activities including field trips. Such insurance often is the difference in whether or not a organization is accorded access to collecting sites. 

Liability Insurance


Insurance Certificates Contact


Eileen Wimmer CISR l Account Manager

Brown & Brown of New York, Inc., dba
Brown & Brown Empire State {NYSE-BRO}
500 Plum Street │ Suite 200 │Syracuse, NY  13204

(P) 315-474-3374 Ext. 322 │  (F) 315-703-9519
My hours are 7:30 – 4:00 Monday - Friday 

Liability Insurance

 A policy to protect the Club 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 club 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 club and its members against loss for damage caused by or action of one of its club 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; Club 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 club, 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, 2018 - November 14, 2019 RATE: $3.675 per member 

ADDITIONAL INSUREDS: When a club needs to add someone as an “Additional Insured” on a Certificate of Insurance there must be a written contract between the club and the entity that requires that they be added as an Additional Insured on the club’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. 

Make all checks payable to EFMLS and mail to:

EFMLS Treasurer Gary Bergtholdt 

152 Ransone St 

Hampton, VA 23669 




EFMLS Insurance Policy November 2018 - November 2019 (pdf)


Accident Insurance

Accident Insurance


The EFMLS Accident Insurance policy is available to all EFMLS member clubs and their dues paying members. Coverage is limited only to club sanctioned activities.

COVERAGE LIMITS: Death -- $7,500

Specific Loss -- $15,000

Medical Expenses -- $25,000 (This is primary coverage)

NAME INSURED: Eastern Federation of Mineralogical & Lapidary Societies Each Club, Each Member

AGENT: Brown & Brown Insurance Agency

Contact: Eileen Wimmer 1-800-426-1120; 315-474-3374 x 322.

COMPANY: Nationwide Insurance

POLICY PERIOD: November 1, 2015– October 31, 2016

RATE: $2.40 per member

Make all checks payable to EFMLS and mail to

 EFMLS Treasurer Gary Bergtholdt 

152 Ransone St 

Hampton, VA

23669 757-876-2666 


Insurance Coordinator: 

Carl Miller, 

6345 Greenback Drive ; 

Mechanicsville, VA 23111