I. Purpose
The purpose of this page is to explain the Camps and Clinics Blanket Accident Insurance Program and the procedures which campus coordinators should follow when using this program.
II. Background
Camps and clinics insurance is purchased by UW System Risk Management to reduce the potential for liability claims arising out of injuries which occur at the various campus sponsored camps and clinics. This is not a substitute for liability insurance but rather provides “goodwill coverage” for small medical bills incurred by camp participants. These medical expenses must be the result of a covered accident; this is not an illness policy. The policy gives us the ability to pay the medical expenses of camp participants covered under the policy without being negligent, thus reducing the number of claims and suits from participants and their parents. Coverage is primary to State liability insurance and the camper’s personal insurance for covered medical expenses up to $10,000 per student, but is intended to target injuries incurred related to camp activities. It is not meant to cover a student with allergies or a student who is playing with a pocket knife. Coverage can be provided for camps and clinics based on the following criteria:
- Camps and clinics must be sponsored by UWM and open to the public.
- Premium must be included as part of the registration fee or paid as a gift or grant authorized for this purpose.
- Only camps and clinics which are oriented toward people who are high school age and younger will be covered.
These are only guidelines to help determine eligibility for the program. If you have a camp or clinic that you feel should be covered and does not fall directly under these guidelines please contact the Risk Management Office at riskmgt@uwm.edu or 414-229-6339 and we can determine if the activity can be covered under this policy.
III. Covered Activities
While participating in scheduled, sponsored, and supervised Camps and Clinics activities of the Policyholder, including direct sponsored travel to and from such activities.
| Coverage and Limits: | Basic Accident |
| Accident Medical Expense Maximum | $25,000 per Covered Accident |
| Deductible | $0 per Covered Accident |
| Coinsurance1 | 100% of Usual and Customary charges |
| Scope of Coverage | Excess |
| Benefit Period | 52 weeks from the date of the Covered Accident |
| Accidental Death and Dismemberment | $10,000* Principal Sum |
| AD&D Aggregate Limit of Indemnity | $1,000,000 per Covered Accident |
| Incurral Period | 365 days |
| Sickness Medical Expense | $2,500 per Incident |
| 1 Eligible expenses include: medically necessary treatment up to the “Usual and Customary” charge. | |
| Coverage and Limits | Catastrophic Accident |
| Accident Medical Expense Maximum | $5,000,000 per Covered Accident |
| Deductible | $25,000 per Covered Accident |
| Scope of Coverage | Excess |
| Benefit Period | 10 years from the date of the Covered Accident |
| Accidental Death and Dismemberment | $10,000 Principal Sum |
| Incurral Period | 90 days |
Contact Information
Contact the Risk Management Office at riskmgt@uwm.edu or call 414-229-6339 for additional information and the procedure for filing claims
Disclaimer
This insurance document is furnished to you as a matter of information for your convenience. It only summarizes the listed policy(ies) and is not intended to reflect all the terms and conditions or exclusions of such policy(ies). Moreover, the information contained in this document reflects coverage as of the effective date(s) of the policy(ies) and does not include subsequent changes. This document is not an insurance policy and does not amend, alter or extend the coverage afforded by the listed policy(ies). The insurance afforded by the listed policy(ies) is subject to all the terms, exclusions and conditions of such policy(ies).
Youth Third Party Insurance Requirements
Standard Limits:
- Workers Compensation (WC) for third party’s employees:
- Meet WI Statutory Requirement Limits
- Commercial Comprehensive General Liability (CGL):
- Commercial General Liability Insurance-minimum limits required:
- Each Occurrence: $1,000,000
- General Aggregate: $2,000,000
- Commercial General Liability Insurance-minimum limits required:
- Sexual Abuse/Molestation Liability:
- Each Occurrence: $1,000,000
- General Aggregate: $2,000,000
- Automobile Liability:
- Combined Single Limit: $1,000,000
- Products-Completed Operations Aggregate: $1,000,000
- Contractual Liability: $1,000,000
- Personal & Advertising Injury: $1,000,000
- Damage to Rented Premises: $100,000
In addition, the Commercial General Liability Insurance Policy:
- Should be written on an occurrence basis, or if claims-made coverage is provided, coverage must be maintained for a minimum of five (5) years after the termination the program.
- Must cover all activities to be performed by the external party, including athletic/physical activities.
- Must not contain any exclusion for intentional acts.
- Must not contain any exclusion for abuse from sexual, emotional or physical actions and/or misconduct. If such exclusions are included, separate coverage must be purchased and evidenced.
- Shall be provided by a carrier with a minimum A.M. Best rating of A-.
All insurance required Workers Compensation, shall contain a waiver of subrogation in favor of “Board of Regents of the University of Wisconsin System, its officers, employees, and agents.” - Shall be primary and noncontributory.
Additional Requirements
The third party shall deliver certificates of insurance evidencing the above coverage and applicable renewals thereof by May 1st of the year in which the program is scheduled at the UW System institution. The certificate of insurance shall name the “Board of Regents of the University of Wisconsin System, its officers, employees, and agents” as Additional Insured on their Commercial General Liability and Automobile Liability policies.
Each policy shall be endorsed to provide that the policy is not canceled, non-renewed, changed or allowed to lapse for any reason without sixty (60) days of written notice to the UW System institution. In the event of non-renewal, cancellation, or expiration, the contractor shall provide the University evidence of the new source(s) of required insurance within twenty-one (21) calendar days after the University’s receipt of the sixty (60) day notice. Failure to maintain the required insurance in force provides the University the right to cancel and terminate the contract without notice. Due to the nature of some activities, UW System institutions reserves the right to require additional limits of liability coverage.
Participant Medical and Accident Insurance for Third Party Programs
Accident insurance coverage for program participants is required. This coverage shall be equivalent to UWSA’s Camps and Clinics Accident insurance. Evidence of coverage shall be issued by the third party to the institutions Risk Manager by May 1st of the year in which the program is scheduled.