A Liability Insurance Program Providing Protection
from Lawsuits of Bodily Injury and/or Property Damage
The James Ralph Agency, Inc. vendor liability program has been structured to meet the needs of vendors big and small.
We have specifically tailored programs in place that offer the coverage you need to
keep your business protected. Our
programs are available for one-day special events, annual policies, and anything in between.
While many vendors are accustomed to acquiring insurance on a solo basis,
James Ralph Agency, Inc. also offers the convenience of group policies.
For events with multiple vendors, our group policies help save time and money while still
offering the same world-class protection and customer service we are known for.
This program provides protection for the Policyholder against
claims of bodily injury liability, property damage liability, personal and
advertising injury liability and the litigation costs to defend against such
claims. Coverage is provided up to $1,000,000 per occurrence. There is no
deductible amount. Coverage is offered through the Sports and Recreation
Providers Association Purchasing Group.
Coverage Includes Suits Arising Out Of
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Products liability coverage (completed operations)
- Incidental medical malpractice
- All activities necessary to conduct activities
- Ownership, use or maintenance of fields or practice areas
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
- Corporal punishment
Aircraft, all acts of terrorism, asbestos liability, claims made by athletic participants, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and liability for occurrences prior to the effective date and time of coverage. All of the above are subject to the terms and conditions of the policy.
The general liability coverage is provided by U.S. Fire Insurance Company,
"A" (Excellent) rated by A.M. Best Company.
|- Program Rate 5 consecutive days or less:
|- Program Rate 6-14 days:
|- Program Rate 15-30 days:
|- Program Rate 1-6 months:
|- Program Rate 6 months - Annual:
Please note that a 3% Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL.
The Optional Coverages
This Inland Marine insurance product
provides coverage for your equipment
and contents up to the specified limit.
Hired and Non-Owned Automobile Liability Coverage
This liability coverage provides protection for rented, borrowed and other non-owned vehicles
driven on vendor business.
This option increases the aggregate limit of liability insurance
from $1,000,000 to larger amounts.
This page has been designed to illustrate the highlights of this program but is not a contract.
Some exclusions and coverages may be modified to meet individual state requirements.
For specific details, please request a sample policy.