General Liability Insurance

MTNA is very pleased to offer general liability insurance coverage for every MTNA-affiliated State and Local Association. Every State and Local Association is covered under this policy for an unlimited number of events at no cost to any individual association. MTNA has agreed to pay the cost of this premium. This insurance is not available to individuals.

What does this mean for my association?

If your association is sponsoring a Music Teachers National Association sanctioned event (convention, competition, festival, workshop, etc.), your association is insured against claims arising from bodily injury and property damage that might occur at this event.

NOTE: Coverage is for associations only. Individual member activities (lessons, recitals, etc.) are not covered under this policy.

What if my association already has this coverage?

If you have coverage, your association must make the decision whether or not to drop that coverage. The MTNA insurance agent will examine your policy and compare its coverages to the MTNA policy. Regardless of your decision, you still are covered under the MTNA policy. As with all insurance, double coverage does not imply double payment for a claim. Both insurance companies would share the payment. If your association has other activities or events operating outside of Music Teachers National Association, separate insurance is required.

What if my association is asked to provide proof of this coverage by the facility or institution where we are holding the event?

In that case, you must complete a Request for Certificate of Insurance form. Once completed, the form may be submitted online or printed and mailed to: MTNA Executive Assistant, General Liability Insurance, 600 Vine Street, Suite 1710, Cincinnati, OH, 45202. This form then will be forwarded to the insurance agent who will prepare the Certificate of Insurance and send it directly to the facility or institution, or to the designated association member. The Request for Certificate of Insurance form may be copied for multiple use or secured through the purchase of a separate special events policy.

What other coverage is included in this policy?

Local associations are covered for the commercial general liability as described in the following Summary of Coverage (No. 3.) In addition, state associations have coverage against property loss/damage (property owned by the state association), property loss/damage (property owned, rented, leased or borrowed at an event site), bodily injury and property damage resulting from an accident in a non-owned or hired automobile.

This information is for your association records. You will not receive a copy of the policy, which will remain at MTNA National Headquarters. Please remember that this coverage may be requested for an unlimited number of events. Every association, both state and local, has a limit of $1,000,000 per occurrence. In addition, MTNA provides an additional $2,000,000 per occurrence of umbrella insurance, for a total per occurrence of $3,000,000 in coverage. If you need a Certificate of Insurance for more than one facility or institution in one year, these certificates will be sent to you upon request.

This coverage is written by the Cincinnati Insurance Company. 
Agency:

RiskSOURCE/Clark‑Theders Insurance Agency, Inc.
P.O. Box 62386
Cincinnati, OH 45262
(888) 779-2800
info@risksource.com

Summary of Coverage

1. Property
   1. Limit: $10,000 Unnamed Locations-Each Location
   2. Deductible: $500 Per Occurrence
      Coverage to be written on "Special Causes of Loss" form.
      Valuation for property is Replacement Cost.
2. Inland Marine
   1. Exhibition Floater: Limit: $50,000
   2. Deductible: $500 Per Occurrence
      Coverage applies to owned, rented, leased or borrowed property for use at Affiliate-sponsored events. Coverage to be written on "Direct Physical Loss" form. Valuation for property is Replacement Cost.
3. Commercial General Liability
   1. General Aggregate Limit: $2,000,000
   2. Products/Completed Operations Limit: $2,000,000
   3. Each Occurrence Limit: $1,000,000
   4. Personal and Advertising Injury: $1,000,000
   5. Fire Damage (Any One Fire): $500,000
   6. Medical Payments (Any One Person): $10,000
   7. Umbrella: $2,000,000
      Policy covers Bodily Injury and Property Damage including Premises/Operations, Products/Completed Operations, Blanket Contractual, Host Liquor, Broad Form Property Damage, Incidental Malpractice, Non-Owned Watercraft (under 26 feet).
4. Non-Owned and Hired Automobiles
   1. Each Accident: $1,000,000
      Policy covers Bodily Injury and Property Damage arising from the use of non-owned and hired automobiles.

Are there any plans in place that include abuse and molestation coverage?

Abuse and molestation coverage varies from state-to-state, however, a general liability event insurance plan which include abuse and molestation coverage has been procured by MTNA for State and Local associations. Rates begin at $130–$172 per event, depending on the state. The abuse and molestation coverage helps if someone is wrongly accused of doing something inappropriate relating to sexual, physical or emotional abuse during the event. Events are limited to less than 5 consecutive days and 500 or fewer attendees. To learn more about this secondary policy which includes abuse and molestation coverage, click here:  https://securelowhazardinsurance.com/MTNA