The Local is insured when named in a covered lawsuit for acts committed by members working for the Local and under its direction.

Officers and members are insured when named in a covered lawsuit as a result of Union activities when they are acting on behalf of the Local.

The policy provides up to $1,000,000 each incident and up to $2,000,000 of aggregate coverage each year ... with no deductible. If your Local had to find its own individual policy, it may have to accept a much lower limit of liability because of the prohibitive cost, or it may have to decide on a large deductible to bring the cost down.

This comprehensive policy provides coverage for lawsuits resulting from bodily injury and property damage at Local-sponsored activities. This includes concession stands, dances, banquets, parties, auctions, raffles, picnics and meetings, to name a few. Coverage would also apply for official Local participation in a community event.

In addition to the policy limits, the plan also pays the court and legal costs of defense for covered claims.

The plan reimburses expenses for first aid to others at the time of an accident.

The AFT Union Liability Insurance Plan provides 100% coverage up to an annual aggregate limit of $2,000,000. There are no deductibles. The owners of premises used by the Local can also be named as additional insureds.

• Suits for bodily injury which occur on the premises or as a result of Local activities.

• Suits for damage to property of others resulting from Local activities.

• Suits for personal injury and advertising injury, including libel, slander, defamation of character, false arrest, invasion of privacy, detention and malicious prosecution.

• Suits for liability resulting from the sale of foods and beverages or other products.

• Suits for host liquor liability when serving or giving alcoholic beverages at functions incidental to your Local, provided that no permit or license is required prior to serving alcohol. Locals should check with individual states regarding liquor law regulations.

• Suits for real or alleged faults in work completed by or for your Local, which result in bodily injury or property damage.

• Suits involving the use of automobiles not owned by the Local but used for official Local activities.

• Suits arising from injury caused by the rendering or failure to render health care services by nonprofessionals.

• Suits arising from fire damage (up to $100,000) to premises not owned by the Local but used for Local sponsored activities.

• Defense against such suits even though the charges made are groundless, false, or fraudulent.