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ABA INSURANCE <br /> All ABA tracks are required to carry liability insurance which is provided by the ABA <br /> upon approval of ABA sanctioning. The insurance coverage includes 1 million dollar <br /> spectator and participant liability, as well as public liability. The land owner and <br /> whomever else is involved with the property can also be listed as an additional insured <br /> on the certificate of insurance. Coverage is provided 24 hours a day, 365 days a year. <br /> This means coverage exists for those times when your track is not being used for a race. <br /> Organized practice sessions are included in the 24 hour coverage and do not require a <br /> sanction fee. The insurance fee equals $1 per rider to a maximum of $50 per race day. <br /> In conjunction with this coverage, each participant is covered with secondary medical <br /> insurance. All riders on the track, whether racing or just practicing, MUST be ABA <br /> members for insurance purposes. <br /> PART 1 -Liability insurance <br /> This portion of the policy covers the ABA track owners, operators, staff and additional <br /> insured during race activities, practices and during times that the insured may be held <br /> responsible for the premises. It is a liability coverage, not a medical coverage. Any <br /> accidents or injuries that might result in a lawsuit, or where the insured might be held <br /> liable, should be reported. The coverage includes injury to spectators and participants. <br /> LIABILITY COVERAGE <br /> $1,000,000 per occurance limit covering premises- No deductible. <br /> Spectator and participant coverage for losses where insured is legally liable. <br /> *Enclosed is a sample copy of the insurance certificate. <br /> PART 2 - Medical insurance <br /> This portion of the policy is only for ABA members that are participating in races or <br /> official practice activities on the track premises. The coverage is secondary and should <br /> only be utilized when the member either has no other medical coverage or the injury is <br /> severe enough that their primary medical coverage won't cover the medical bills. For <br /> coverage to be valid, a notification of accident must be sent to the ABA within 48 hours <br /> after the accident. This insurance comes with the ABA $35 Full membership or the $15 <br /> Temporary membership. <br /> ACCIDENT COVERAGE <br /> $3,000 Limit-Secondary coverage only. <br /> $1000 cash deductible- Applies to members only. <br /> • <br />