As of May 30, 2017

Sanctioned Events

ACBL, Inc. maintains a General Liability policy that extends insurance coverage to Districts, Units and Conferences for sanctioned events. The policy extends coverage for bodily Injury & property damage occurring in the playing area of sanction events, including Regionals, Sectionals, STaCs, District level Grand National Team qualifiers, District level North American Pair qualifiers, and Unit level games (not held at clubs). Coverage does not apply to club level games, sanctioned or not. Coverage is $1,000,000 primary with an available additional umbrella of $9,000,000 for US Events. Coverage for events in Canada and Bermuda is limited to $1,000,000. There is a deductible of $5,000 on all general liability type claims.

Host Liquor Liability is included in this limit, for US events (Canada and Bermuda are not included). All local laws and the venue’s rules must be followed; also, serving under aged persons or over serving is not covered. Many venues have very specific wording in their contract for additional insureds and what is to be covered. It is very important that the contract wording be reviewed so that ACBL is not agreeing to gross negligence outside of their control.

Coverage is automatically provided by this policy and, if needed, a Certificate of Insurance can be produced for proof of General Liability coverage.

Certificates can be requested at

If you have questions regarding certificates you may contact the insurance provider directly:

Shonda Smith at Shonda.Smith@USI.COM, ph. 901.255.3901, fax 610.362.8595 or mail to USI Insurance Services LLC, 5100 Poplar Ave, Suite 1200, Memphis, TN 38137.

District and Unit Boards

ACBL, Inc. also maintains a Directors & Officers (D&O) policy that extends insurance coverage to Districts, Units and Conference boards of directors. The policy responds to claims for mismanagement, or wrongful acts, at a $5,000,000 limit. Also included in that limit is Fiduciary Liability coverage. The policy also provides Employment Practices Liability (EPLI) coverage at a separate $5,000,000 limit.

Generally, D&O policies Insures the directors and officers against claims, most often by members and employees, alleging financial loss arising from mismanagement or wrongful acts. A wrongful act is defined as:

  1. Any of the following by the Organization, and/or any Insured Persons acting in their capacity with the Organization or a Subsidiary:
    1. Actual or alleged error, misstatement, misleading statement, act or omission, neglect or breach of duty;
    2. Actual or alleged error or omission in the rendering of or the failure to render
      Employed Lawyer Legal Services; or
    3. Employment Practices Wrongful Act
  2. Any matter claimed against any Insured Person solely by reason of their status with the
    Organization; or
  3. Any matter claimed against any Insured Person arising out of their service as directors,
    trustees, officers, regents, governors, or member of the Board of Managers of an Outside
    Entity, but only if such service is at the request of the Organization.

Additionally, “insured” includes:

  1. the Organization (ACBL and all of its Units, Districts and Conferences), and
  2. Insured Persons are defined as: all persons who were, now are, or shall be directors,
    trustees, officers, regents, governors, members of the Board of Managers, employees,
    leased employees, temporary or seasonal employees, interns, student teachers,
    substitute teachers, teaching assistants, volunteers or staff members of the Organization,
    including any executive board members and committee members whether salaried or

The D&O policy contains two coverages: the first reimburses the insured organization when it is
legally obligated to indemnify directors and officers for their acts; the second provides direct
coverage to directors and officers when the organization is not legally obligated to indemnify
them. D&O policies typically exclude intentional and dishonest acts, bodily injury, and property
damage. Bodily injury and property damage, depending on the circumstances, may be
covered under the General Liability policy.

EPLI is a form of liability insurance covering wrongful acts arising from the employment process.
The most frequent types of claims alleged under such policies include: wrongful termination,
discrimination, and sexual harassment.

Crime Insurance and Employee Dishonesty

Crime Insurance is provided for: Employee Dishonesty, Theft Inside and Outside Premises,
Computer Fraud, and Funds Transfer Fraud. These claims are subject to a $7,500 deductible and
only employees and regular volunteers are covered. A police report is required on all thefts. For
tournaments, please be prudent with the amount of cash that you keep on site. We encourage
Districts and Units to carry their own policy locally with a lower deductible.

ACBL Insurance Contact

If legal action is ever taken or if there is the threat of such, we need to report it to the insurance
carrier immediately. Each claim is handled on a case-by-case basis and must be fully reviewed
by an adjuster to know whether it is covered. When an accident occurs at a sanctioned event
and a Tournament Director is present, the TD will report the accident. All other circumstances
that may give rise to a claim under any of these coverages must be reported to the ACBL
immediately. Direct all inquiries and potential claim information to:

Joe Jones, ACBL Chief Financial Officer, or 662.253.3168 (direct)