Overview
Why Do I Need Liability Coverage?
Liability Insurance is essential for Ham Radio Clubs. It provides extensive coverage for lawsuits resulting from bodily harm, personal injury, and property damage for all of your Club-related events. This includes meetings, parties, auctions, concession stands, raffles, banquets, and similar activities. Coverage will also apply for official Club participation in community-sponsored events. When your Club has an annual Liability Insurance Policy, you have the insurance coverage you need to hold your event—without having to reapply for individual “special event” policies for every event throughout the year which can be more costly.
Further, the Club is insured when named in a covered lawsuit for acts committed by members working for the Club and under its direction. Officers and members are insured when named in a covered lawsuit as a result of Club activities when they are acting on behalf of the Club. When required, an owner of a premises used or rented by the Club can also be named as an Additional Insured on the policy at no additional cost.
What Coverage is Available*?
- Limits of $1,000,000 for each occurrence and up to $2,000,000 or $3,000,000 of aggregate coverage.
- Legal defense and other court-related costs, even for false or fraudulent claims, are defended on a first-dollar basis.
- Property coverage can be requested.
- Hired and Non-Owned Auto coverage can be requested.
- No Deductible!
Priced for You
Since each Ham Radio Clubs participates in different activities and has a unique membership count, each application is separately reviewed for a premium quotation. The cost of this coverage may also vary by the state in which the Club is domiciled.
What Types of Lawsuits Might the Plan Cover?
Some examples are listed below for suits arising out of:
- Bodily injury which occurs on or off premises as a result of your Club activities;
- Damage to property of others resulting from your Club activities;
- Personal injury and advertising injury, including libel, slander, defamation of character, false arrest, invasion of privacy, detention and malicious prosecution;
- Liability resulting from the sale of food and beverages or other products at Club functions;
- Host liquor liability when serving or giving alcoholic beverages at functions incidental to your Club provided that no permit or license is required prior to serving alcohol;
- Real or alleged faults in work completed by or for your Club which resulted in bodily injury or property damage;
- Defense against such suits even though the charges made are groundless, false or fraudulent.
Contact Information
We’re here to help! Please contact us in whatever manner is most convenient for you.
Address
AMBA
PO Box 14542
Des Moines, IA 50306
Phone
Hours
Monday - Friday 8:00 AM - 5:00 PM CT
Frequently Asked Questions
Where is coverage available?
The Named Insured must have a U.S. based physical address. All coverage options may not be available in all states.
Which Clubs should apply?
Any Club with members that gather in person for meetings, or that hosts or sponsors events or any activities, should have liability insurance to protect the Club from lawsuits.
Who is covered?
The Club is insured when named in a covered lawsuit for acts committed by members working for the Club and under its direction. Officers and members are insured when named in a covered lawsuit as a result of Club activities when they are acting on behalf of the Club. An owner of a premises used or rented by the Club can also be named as an additional insured.
What are the coverage limits?
Commercial General Liability coverage is provided as follows:
Each Occurrence Limit: $1,000,000
Products/Completed Operations Aggregate Limits: $1,000,000
General Aggregate (Other than Products/Completed Operations): $2,000,000
Premises Rented to You (property) Limit: up to $1,000,000
Medical Expense Limit: up to $20,000
Hired and Non-Owned Auto Liability (additional cost): $1,000,000
How can I learn more about this plan?
You may contact us via email at amba.service@getamba.com or at 1-800-503-9227, Monday – Friday, 8am to 5pm (CT).
*The material on this website explains the general purpose of the insurance but in no way changes or affects the policy that is actually issued. Complete details may be found in your insurance policy.