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State Advocate Reports on Liability Insurance
bullet.gif Posted by soconnor12240 on August 20 2009
Insurance Program
For the State of Florida
Presented By:
RC KNOX & COMPANY
ONE GOODWIN SQUARE
HARTFORD, CT 06103 - (860) 524-7614
DECEMBER 4, 2008

QUOTATION
PROGRAM INSURER: ONE BEACON INSURANCE COMPANY
(A.M. Best Rating: A XV)
INSURANCE AGENCY: RC Knox & Company, Inc.
POLICYHOLDER: Knights of Columbus State Council of Florida
POLICY TERM: January 1, 2009 to January 1, 2010
INSURED: STATE COUNCIL AND Each qualifying local council within the State
ADDITIONAL INSUREDS: Knights of Columbus Supreme Council
Lessors or Manager of Premises
(Local Council Parishes/Dioceses for use of facilities)
ADDITIONAL UNDERWRITING INFORMATION REQUIRED

Please provide a list of any State or Local Council Activities not included in the Summary
of Typical State and Local Council Activities.

COMMERCIAL GENERAL LIABILITY INSURANCE
LIMITS OF INSURANCE (COVERAGE IS BASED ON GENERAL LIABILITY FORM CG 0001, ED. 1001):
$2,000,000 General Aggregate (other than Products/Completed Operations
2,000,000 Products/Completed Operations Aggregate
1,000,000 Each Occurrence
1,000,000 Personal and Advertising Injury (any one person or organization)
1,000,000 Damage To Premises Rented To You
10,000 Medical Expense (any one person)
1,000,000 Non Owned/Hired Automobile
COVERAGE INCLUDES:
• Bodily Injury
• Property Damage
• Personal Injury
• Advertising Injury
• Medical Payments
• Host Liquor Liability
• Certified Acts of Terrorism
• Additional Insured – Club Members (Council Members)
• Lessors or Managers of Premises as Additional Insured’s as required (excluding Home Corporations
or Owners/Managers of knights of Columbus Meeting Halls)
• Knights of Columbus Supreme Council-Additional Insured
• Hired and Non-owned Auto Liability Coverage at State Minimum Statutory Limits of Liability
SPECIAL COVERAGE EXCLUSIONS:
• Abuse/Molestation/Sexual Misconduct or Sexual Offenses
• Asbestos Liability
• Athletic Participants – Other than Basketball Free Throw Contest,Soccer Challenge,Golf Tournament
• Bodily Injury, Property Damage, Personal or Advertising Injury resulting from any altercation with
demonstrators during a “Right to Life” rally, parade, protest or similar event
• Employment-Related Practices
• Special Events (Events not listed on Local Council Activities Summary)
• Intellectual Property
• Fungi or Bacteria
• War Liability
• Nuclear, Biological or Chemical Terrorism
• Home Corporations and building Owners or Lessees
• Local Councils for the ownership or operation of a building or hall
• Exclusion – Described Hazards (Carnivals, Circuses and Fairs)
• Nuclear Energy Liability Exclusion
• Activities involving firearms
• Lead Exclusion
• Total Pollution Exclusion

SAMPLE COVERED EVENTS/ACTIVITIES:
• Local Council Meetings
• Marching in Parades
• Local Council Parties for Members and Guests
• Communion Breakfasts
• Basketball Free-Throw Contest
• Poster Contests
• Prayer Services
• Scholarships
• Luncheons/Family Picnics
• Food & Clothing Drives
• Family of Month/Year
• Family Trips
• Honors for Police, Fire Fighters, Veterans and other “Appreciation” Events
• Special Breakfasts, Luncheons, Dinners
• Car Washes
• Church Work: Ushers, Lectors, Choir, Youth Ministry
• Bingo
• Supporting poor and needy
• Home/School Association Support
• Tootsie Roll & Candy Sale
• Tournaments: Golf, Bowling, Billiards
• Walks: Cancer, Rally for marriage, etc.
• Youth Awards
• Senior Citizen Support: Visits and equipment donations
• Local Council Promotional Activities
• Keep Christ in Christmas: Billboards, mangers, cards
Condition:
• Insurance will be Excess of, and Non-Contributory to any other insurance available to the State or Local Council
•
Number of Dues Paying Members: 34,161 (2009)
32,816 (2008)
This proposal provides a brief overview of the insurance program and is not intended to be a complete summary of the policy.
It does not change or replace the actual policy. You must refer to the insurance policy for full terms, conditions, coverages
and exclusions.
PROGRAM ADMINISTRATION
Policy Administration:
Policies will be issued by One Beacon through R.C. Knox & Company. R.C. Knox will provide policy services including policy
checking, endorsement processing and issuance of certificates of insurance.
Accounting and Billing:
R.C. Knox will issue policy invoices to the State Council for the full annual policy premium. Premium must be paid in
order to bind coverage. Premium will be based upon the total number of dues paying members as of the date of application
and will not be subject to audit at the end of the policy term.
Claim Reporting:
Claims will be reported directly to One Beacon Insurance via telephone or fax. The contact for reporting claims will be:
Chet Kirby
One Beacon Insurance
PO Box 934
Madison, CT 06443-0934
Telephone: (203) 421-7946
Cell: (203) 494-1251
Fax: (203) 421-7947

R.C. Knox & Company Contact Information:
R.C. Knox & Company, Inc.
One Goodwin Square
Hartford, CT 06103-4305
(860) 524-7600
(800) 742-2765
www.rcknox.com
Account Executive: Harold A. Smullen, Jr. CPCU, ARM, RPLU
Executive Vice President & Chief Operating Officer
Phone (860) 524-7614
Fax (860) 722-7741
Email hsmullen@rcknox.com
Account Administration: Donna Wilson
Account Analyst
Phone (860) 524-7672
Fax (860) 722-7731
Email dwilson@rcknox.com
Claim Manager: Scott A. Anderson
Vice President, Manager of Claim Administration
Phone (860) 524-7667
Fax (860) 722-7799
Email sanderson@rcknox.com
Comments
#1 | patfit on August 27 2009
Does the policy also cover, Soccer challenge, Spelling

Bee, Easter egg hunt,& all other council Youth activities?

Pat Fittipaldi, G.K.
St. David Council #10230
#2 | bighippo on September 19 2009
Council 8104 is planning a fishing trip for Brother Knights, family and friends. Will they be covered under this policy????
Terry Miller FS
Our Lady of the Rosary

Council 8104
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