Hello, this is Luke Dobrich with the West's Insurance Agency who is handling the Homebrew Club Insurance program for the AHA. I have been receiving some questions on the insurance program and thought that I would post a few of these questions and their responses. I will also be adding these to the FAQ's that are located on my agency web site www.westinsurance.com/aha
1. Question: Is the premium an annual, quarterly, or monthly amount?
Answer: The premium of $3.50 per club member is an annual amount. The program policy term will be 9/1/14 TO 9/1/15.
2. Question: How are new club members that are added during the year handled with the insurance program?
Answer: The carrier requires a current club member roster before your club enrolls in the program. Your club's premium will be based on this roster. If your club adds new members during the course of the policy term, they are automatically included in the coverage as long as your club is enrolled. At the policy renewal next year, the carrier will request an updated roster list and the new members will be factored into your club's renewal premium amount at that time. *Please note that the premium for this club insurance program and the collection of your individual club's membership dues are not connected. For example, if your club knows their membership level is at 100, but full dues are not paid up until 6 months into the year, the carrier will look at your club as having 100 members.
3. Question: Does my club need to be incorporated in order to participate in this insurance program?
Answer: No, the carrier does not require that your club is incorporated to enroll in this program.
4. Question: Do all club's that participate get their own liability limits or are they shared among all participating clubs?
Answer: The limits are shared among all participating clubs. The program includes limits of $1M per occurrence and $3M aggregate for general liability and $1M per occurrence and $3M aggregate for liquor liability. In addition there is a $10M umbrella limit that sits over the general liability and liquor liability limits... So in effect, the program carries limits of $11M / $13 M for both general and liquor liability for all clubs. Also, the policy will include the costs to defend (legal fees) your club and members in the case of a law suit.
5. Question: Will I receive a policy once enrolled?
Answer: No, each enrolled club will receive a certificate of insurance that provides the limit details included in the policy that will be the club's evidence of coverage.
6. Question: What are the requirements to enroll my club?
Answer: The carrier requires a the completion of the online enrollment form (http://www.westinsurance.com/hbc-enrollment.html
), a current club member roster/list with names only (digital format), your club must also be registered on the AHA website (http://www.homebrewersassociation.org/community/clubs/club-updates-form/
I hope this helps. The program/policy effective date will be 9/1. Feel free to contact me directly at firstname.lastname@example.org if you have additional questions.
West's Insurance Agency