SFMS Liability Insurance

**SFMS Liability Insurance Program**
The Friendly Federation Founded to Serve	Southeast Federation of Mineralogical Societies, Inc.

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1. The Liability Insurance policy period/coverage runs from April 1, 2012 to March 31, 2013.

2. All applications (and payment) must be submitted to the SFMS Insurance Liaison by March 31,
2012.

3. Any application that is post marked after March 31, 2012 is considered late and will have a lapse
in insurance coverage until the application is received.

4. IF your club wishes to participate in the Liability Insurance program, THEN
COMPLETE the “Do you wish to participate in the optional Liability Insurance program?”
question on the SFMS Renewal Application form. FILL out the step completely and legibly.
(The person listed on this step is usually your club Treasurer or whoever writes your club checks
for SFMS membership renewal. All correspondence concerning Liability Insurance will be sent
to the person listed.)

5. The cost of the Liability Insurance is NOT included in your SFMS membership renewal fee.
DO NOT include your liability insurance fee with your SFMS Membership Renewal check.

6. The Liability Insurance cost is determined by club membership and the number of shows your
club has during the coverage year.

7. The Liability Insurance application forms will be E-Mailed (and available on the SFMS website)
to the person listed on the SFMS Renewal Application form.

8. The liability insurance application forms, with descriptions, are listed below:
• REQUEST FOR INSURACE COVERAGE: the form used to determine the cost to your
club. If your club wants liability insurance this form MUST be completed and sent (along
with a check) to the SFMS Insurance Liaison by the due date.
• REQUEST FOR CERTIFICATE OF INSURANCE FOR SHOWS: the form used by the
SFMS Insurance Liaison when a “Certificate of Coverage” is required by the venue where
your club show is held. This form MUST be filled out if your club requests, and pays for,
show liability insurance coverage. Any omitted information will delay the issuance of the
certificate. This form provides the Insurance Liaison and the Insurance Agency with the
necessary information concerning the show and to whom the certificate is provided.

9. Liability Insurance is NOT available for any club show that is held jointly with another
organization (profit or non-profit) unless both clubs are SFMS members.

10. The liability insurance is 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 may cause to themselves or to their own
property. The SFMS insurance is referred to as a" third party "policy, ie. 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 person or property of others. Club members acting on their
own (not club organized events, field trips etc), are NOT covered under this policy. A member
conducting operations, as a dealer is not covered.

11. Any club that attends or sponsors a Dixie Mineral Council (DMC) field trip must have SFMS
liability insurance coverage or be able to prove to the DMC Field Trip Director that they are
covered by some other method. (For example: if a club is a member of both the SFMS and
EFMS, and can provide proof of coverage through the EFMS then they are eligible for DMC
field trip attendance.)

12. The SFMS does NOT offer an accident policy, all members should carry their own
health/accident plans.

13. A copy of the general policy will be provided to the club/society insurance contact and a
“Certificate of Coverage” for club show(s) will be provided to the club/society insurance contact
and the facility contact on or before April 30, 2010 if all information, and payment, has been
provided to the SFMS Insurance Liaison by the submitting club/society and the Insurance
Agency.

14. General Policy Information:

Policy: Commercial General Liability

Limits:
$ 1,000,000.00 per Occurrence
$ 2,000,000.00 General Aggregate

Coverage:
Premises / operations, incidental product liability, Blanket contractual, Broad-form
property damage; Personal injury; medical expenses; Limited worldwide liability;
Host liquor legal liability; Automatic coverage at newly acquired locations; nonowned
watercraft; Fire damage liability.

Named Insured: Southeast Federation of Mineralogical Societies, Inc.
Member clubs as their interest may appear.

Agent: Snellings-Walters Ins Agcy Atlanta, GA.

Company: Cincinnati Insurance Company