General Liability Insurance (including Additional Insured Certificates)

 

Chairman:   Launa Gould, cgciinsurance@cagardenclubs.org
2024 Brochure: Everything you need to know about General Liability Insurance by
                            McDaniel Insurance Services.

 

 

Summary of Insurance offered

All groups (clubs/APS) that have paid CGCI membership dues are eligible to obtain General Liability Insurance.

There are two types of insurance available.

  1. General Liability Insurance provides protection for the insured group, and those who volunteer on its behalf. Normal activities include flower shows, plant sales, meetings and workshops.
  2. Additional Insured certificates are available to groups that have purchased General Liability Insurance. This Certificate is in addition to your General Liability policy. It is for a venue that has requested to be ‘named as insured.’ Many venues providing space for flower shows, plant sales, or club meetings now requires an Additional Insured Certificate. Refer to Additional Insured Certificates tab.

          IMPORTANT: The Insurance year is February 15 to February 15.

 General Liability Insurance Policy

* Renewed Annually
* Around mid-November the General Liability Chairman sends an email to group Presidents and Treasurers with updated insurance information.
* The deadline for payment is January 15.
* Submit the General Liability form and payment of $1.75 per member to the General Liability Chairman.
* A late fee of $30 is charged if received after January 15. See Forms tab.
* A new group may be added to the policy at the time it joins CGCI without a late fee.
* Insured groups will receive a Certificate of Insurance for the insured year which runs from February 15 to February 15.
* Certificates are mailed shortly after the first of March.

It is expected, as a nonprofit organization, you will have guests from the public at your activities.

Carpooling for group activities is encouraged but specific vehicles are never to be assigned.

 

Additional Insured Certificates
A Certificate Request form is filled out by the group and emailed, along with the agreement, to the Additional Insurance Chairman.
 
Certificate for Public Venues:
Certificates are available for public venues where meetings or events are held.

  • Complete the Certificate Request (under Forms Tab)
  • Obtain a copy of the venues’ written agreement/contract/permit.
  • Email Request and Agreement to the Additional Insurance Chairman.
  • Mail copy of Request form with the processing fee of $45 to the address indicated.

Certificate for A Homeowner hosting an event:
Certificates are available for a homeowner hosting events like BBQ’s, fundraisers, and dinners.

  • Complete the Certificate Request (under Forms Tab)
  • Attach a copy of the Homeowners Agreement Form (under Forms Tab)
  • Email Request and Agreement to the Additional Insurance Chairman.
  • Mail copy of Request form with the processing fee of $45 to the address indicated.

Certificate for Garden Tours:
Certificates are also available for the homeowners on a Garden Tour. The homeowner signs the Homeowners Agreement Form (under Forms Tab), and it is submitted with the Request.
CGCI insurance would be primary coverage for homeowners. There is a “per occurrence” limit of $1,000,000 and a $2,000,000 aggregate limit shared by all the insured CGCI groups.
A Certificate fee discount is available for garden tours with three or more locations IF the list of homeowners is sent in an editable document such as Word.

  • If submitted in this format, the maximum charge is for three certificates ($135).
  • When completing the Request form for a Garden Tour, indicate the following:

#2. Type of Event is a Garden Tour.

       Event Location is Various.

#3. Number of attendees at one home at one point in time.

#5. Email a copy of the signed Homeowner Agreement for each home.

#6. Name: See attached list.

On a separate editable document, list owners’ names and addresses of all gardens on the tour.

  • Email Request and Agreements to the Additional Insurance Chairman.
  • Mail copy of Request form with the processing fee of $135 (three or more homeowners) to the address indicated.

NOTE: For ALL Certificates
Email all documents so the process can begin. Then, copy the Request form and mail with fee.
Make sure information and addresses on all requests are correct.
If the certificate is returned to the insurance broker because of incorrect information, an additional $45 will be charged for a new certificate.
 

 

Insurance Payment

General Liability Insurance

  • Due date is January 15 of each year.
  • 2026/27 fee is $1.75 per member.
  • $30 late fee after January 15.
  • Make checks payable to CGCI.

Additional Insured Certificates

  • Certificate processing fee $45.
  • A $15 late fee will be assessed for requests received less than 14 days prior to event.
  • Garden Tours pay for a maximum of three homes if an editable document with homeowner names and addresses is included.
  • Make checks payable to CGCI

D&O insurance is available directly through McDaniel Insurance Services (800) 400-7288, (805) 646-9948

 
  

Forms 

General Information