Insurance

CGCI Insurance
                    Available ONLY to CGCI member clubs in good standing

 

LIABILITY INSURANCE Forms

  • Forms in pdf format require Adobe Reader to open
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  • For those forms in Word format
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  • The forms can be completed electronically, saved and printed
Payment:
  • Due date is January 15 of each year.
  • An additional $20 fee is due when the insurance payment is received after January 15.
  • Make checks payable to CGCI Insurance Fund and mail to the CGCI Liability Insurance Chairman.
  • Forms MUST be completed in full.
    • Failure to do so may cause a delay in the issuance of the club's policy until all information is disclosed.

Questions/Information:

 

CGCI MASTER LIABILITY INSURANCE POLICY

General Information

  • The CGCI Liability Insurance Plan is an option available to CGCI clubs and associate plant societies only.
    • Please note: liability insurance coverage is not available to clubs or associate plant societies that own real estate or have primary use of, or responsibility for, gardens, land, or exclusive ongoing use of building premises.
  • Affiliates are not eligible.
  • Membership dues to CGCI must be current for a club or society to be eligible to purchase the insurance.
  • Insurance coverage is an additional fee, separate from membership dues.
  • This insurance provides protection for the insured club, and those who volunteer on behalf of the insured club, for their legal responsibility for bodily injury or property damage to others due to an occurrence while they are volunteering (including legal costs and claims settlements).
    • Normal activities include flower shows and sales, meetings and regularly scheduled conventions.
    • If you are unsure if an activity is covered, contact the Liability Insurance Chairman.
  • When meetings or events are held at a home or commercial venue the respective owner has primary liability.
    • This exposure may be added to the CGCI insurance by purchase of an Additional Insured Certificate. 
  • There is a "per occurrence" limit of $1,000,000 and a $2,000,000 aggregate limit shared by all the insured CGCI Clubs.
  • A new club or associate plant society may be added to the CGCI policy at the time it joins CGCI without a late fee assessment.
    • The charge for insurance for a full year will be charged to new and returning clubs even though their coverage may be less than one year.
    • There is no pro-ration of amount charged for insurance.
  • Insured clubs will receive a Certificate of Insurance for the insured year which runs from February 15 to February 15 of the following year.  Certificates are mailed shortly after the first of March.
  • The Liability Insurance Chairman will notify clubs when payments are due.
    • if your club has not received this notice by November 15, contact the Insurance Chairman, giving your club’s name and mailing address, and a replacement notice will be sent.

Additional Insured Certificates 

  • May be purchased for public venues where meetings or events are held
    • Most public or commercial facilities require a certificate of insurance
  • May be purchased for a garden tour. Filll out only one application form.
    • On the eighth line, the Type of Event is "Garden Tour;"
    • On the tenth line, the Building or Event Location is "Various;"
    • Three quarters of the way down, after "REQUIRED!!! CERTIFICATE HOLDER NAME & ADDRESS," write "See attached list."
    • On another sheet of paper, list all names, addresses and telephone numbers of the gardens on the tour.
  • Make sure addresses on all requests are correct, especially zip codes.
  • If the certificate is returned to the insurance broker by the U.S. Post Office because of an incorrect address, you will be charged another $20 to have the certificate rewritten.
  • Incorrect addresses for the location of an event must be corrected. Federal law requires that all insured persons or entities be notified, even if the event has already occurred.