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USDA (GSSDA) INSURANCE

PROTECT YOUR CLUB AND MEMBERS- GSSDA ENCOURAGES ALL CLUBS TO BE INSURED

THE TWO AREAS OF INSURANCE PROTECTION ARE

LIABILITY AND ACCIDENT MEDICAL COVERAGE

.

Although safety rules are closely followed, accidents will happen. Accident Medical insurance helps protect club members from financial loss due to a covered accidental bodily injury. Liability insurance protects the club and its members and association officials from financial loss due to unforeseen incidents which may develop into litigation against members and dance organizations.

PROCEDURES FOR OBTAINING COVERAGE

1.  Dancers of GSSDA  member clubs are eligible for USDA insurance at affiliate prices ( current price is  $4.10 per person per year with a minimum rate of $45.00 per club. ). 100% of club members must be covered by this policy for it to become effective. People belonging to more than one club need to pay only one premium and will be covered while  dancing at any other clubs sponsored dance. Clubs not insured are liable for any damage or injury ( this may mean the CLUB AND INDIVIDUAL MEMBERS of the club will also be liable ). This insurance policy runs from January 1st --December 31st.

 

 

2.  To ensure coverage for the up-coming year, GSSDA club membership payment of $8.00 shall be submitted during the first week of November to GSSDA Membership Chairman

  Nancy Feek---111 Lake Street--- Rockmart, Ga. 30513 

 

 

3.   A copy of GSSDA membership payment check along with required membership, club dance  information, and check for insurance ( at $4.10 per person or a minimum of $45.00 ) will be sent to GSSDA Insurance Chairman: Tommy and Lyn Sanders, 124 Windmill Lane, Savannah, GA 31419, 912-961-6803, lynnlarkin@bellsouth.net.

  

4 . Send a roster (two copies) of 100% of the club members  ( In alphabetical order ), address,& phone # of each member. Include names of club President and insurance Coordinators . If  a member belongs to more than one club, only one payment is required; however, the same information must appear on both club rosters, indicating which club is making payment for member.

    a. In addition to roster of members, the following information shall be submitted:

         (1) Club Name

         (2) Regular dance nights. (i.e. 1st & 3rd Saturday, 8-11 PM)

         (3) Location, complete address , days ,and times of all dances, including special dances, exhibitions / demonstrations such as Nursing Home, Mall, Church etc. If the owner of a building or facility where you will be dancing  requires coverage also, please furnish their complete name and address .

5.  Class members are automatically covered by insured club without additional cost; however a list of their names  etc shall be sent to the GSSDA Insurance Coordinator. This list should also include the address and days of class. This is very important to ensure coverage.

6. Any addition to the club roster AFTER the initial enrollment for the year 2006, will require an additional enrollment fee per dancer, plus their names and addresses. Forward this information along with their fee to the GSSDA Insurance Chairmen. There is no free membership for graduating students as was in the past.

7. This club policy does not cover caller / cuer or their equipment when calling / cueing; however, they can be covered while dancing to other caller / cuers and if included on club roster, club member rates apply.

THIS IS A SUMMARY OF COVERAGE--NOT  A CONTRACT

 

Part 1--LIABILITY INSURANCE

A. Limits of Protection:

$1.000.000 combined single limit of liability for bodily injury and property damage each occurrence ( subject to a $100 property damage deductible per claim ) while participating in scheduled and  sponsored dancing activities. $100.000 limit for fire legal liability ( rented or leased premises ).

B. Who is covered:

The club and its members while participating in club or organization sponsored and supervised dancing activities. liability coverage applies in the U.S., its territories or possessions, and Canada.

C. Where are claims filed

Notify the GSSDA Insurance Chairman regarding any third party claims presented to the Club/ Association. Chairman shall call U.S.D.A. National Insurance Coordinator with full description of incident.

PART 11-- ACCIDENTAL MEDICAL INSURANCE

A. What are the limits:

$10.000*--Usual and customary accident medical expenses-- including dental

$10.000-- Accidental death benefit

$10.000-- Accidental dismemberment benefit ( loss of both hands, both feet, sight of both eyes, or any combination thereof ).

$5.000**--Accidental dismemberment benefit ( loss of one hand, one foot, sight of one eye ) .

 Accidental Death and Dismemberment limitations:, 

We will not pay for loss caused in any way by:

    1. Bodily or mental infirmity illness;

    2. Infection ; except pyogenic or bacterial infection in a cut or wound caused by an accident:

    3. Medical or surgical treatment; except for surgery which results from an accident.

    4. Air travel, other than as a fare-paying passenger on a scheduled commercial flight.

    5. War or act of war

    6. Taking part in a riot or felony; this shall not include being victim of a felony.

    7. Suicide; attempted suicide or self- inflicted injury

NOTE: * Accident medical coverage is excess to any other valid and collectible medical insurance covering the same accident. Coverage provided for covered medical expenses incurred within 52 weeks of accident up to $10.000 for all eligible expenses as stated in the master policy.

NOTE:** If more than one of specified losses result from the same accident, only one amount , the largest will be paid.

B. WHO IS COVERED

Club members will be insured while participating in any regularly scheduled and sponsored activity worldwide, including group travel ( 10 or more club members ) in a  vehicle commercially licensed for transportation of passengers and operated by a person holding a valid operator's license for such vehicle, while being transported to or from a covered dancing activity.

C. HOW TO PRESENT A CLAIM

In the event of a covered accident, immediately notify the club representative or a responsible officer of the club. A proof of loss form ( available from the club representative ) must be completed. The front is to be filled in and signed by the club official and the claimant; the back is to be completed by the attending physician. Notice of injury is to be forwarded to the GSSDA Insurance Chairman within fifteen (20) days, or as soon thereafter as reasonably possible .

 

For more specific information regarding coverage, contact your club insurance coordinator or GSSDA Insurance Chairman.

Copy of complete policies are on file in the office of the Insurance Administrator and National Insurance Coordinator

Your Cooperation concerning this matter will be greatly appreciated

GSSDA Insurance Chairmen

Tommy & Lyn Sanders

124 Windmill Ln

Savannah, GA. 31419

Home Phone-912-961-6803

lynnlarkin@bellsouth.net.