Volunteers Insurance Service Association (vis) - Liability Protection*
Volunteers Insurance Service Association (VIS) program offers up to $1,000,000 in volunteer liability insurance.
It doesn’t happen often, but when it does, the results can be serious…a volunteer injures someone else, while performing his or her volunteer duties. One of the benefits of volunteering for your Village is that you will be providing insurance protection for your volunteers in case these things happen to them.
Excess Volunteer Liability Insurance
All registered volunteers (collectively) of an organization are provided with excess volunteer liability insurance at a limit of $1,000,000 per occurrence (subject to an annual aggregate for each named organization.) This policy provides protection if you are liable for bodily injury or property damage arising out of the performance of your duties during your volunteer
assignment. This coverage is in excess of and noncontributing with any other valid and collectible insurance you may have.
Insuring your volunteers separately, through the VIS, preserves your village's favorable loss experience, and in some cases, may preserve its access to broad and affordable insurance.
*CIMA VOLUNTEER INSURANCE
SURPLUS LINES INSURANCE - THE INSURANCE UNDER THE VOLUNTEER LIABILITY AND VOLUNTEER EXCESS AUTOMOBILE LIABILITY POLICY IS ISSUED PURSUANT TO THE SURPLUS LINES LAWS OF EACH STATE, POSSESSION OR DISTRICT (EXCEPT IN THE CASE OF KENTUCKY, ILLINOIS AND THE U.S. VIRGIN ISLANDS, WHERE THE INSURER OPERATES ON AN ADMITTED BASIS). PERSONS INSURED BY SURPLUS LINES CARRIERS DO NOT HAVE THE PROTECTION OF THE INSURANCE GUARANTY ACT OF THEIR STATE, POSSESSION OR DISTRICT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR THE OBLIGATION OF AN INSOLVENT, UNLICENSED INSURER. SURPLUS LINES INSURERS’ POLICY RATES AND FORMS ARE NOT APPROVED BY ANY REGULATORY AGENCY. DEPENDING ON YOUR STATE, THERE MAY BE STATE MANDATED SURPLUS LINES TAXES, POLICY FEES, STAMP FEES AND RELATED CHARGES APPLICABLE TO YOUR INSURANCE POLICIES. ALL OF THESE CHARGES WILL BE INDIVIDUALLY SHOWN ON YOUR POLICY INVOICE AND ALL OF THESE CHARGES ARE REMITTED DIRECTLY TO YOUR STATE’S INSURANCE DEPARTMENT ON YOUR BEHALF BY CIMA.
The above descriptions of coverage are intended to be an overview only. They are not binding. Only the actual insurance policies when issued will determine what coverages are provided and excluded by the insurance carriers.