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Dartmouth College Alumni Relations
Insurance Summary for Classes, Clubs and Affiliated Groups
Dartmouth College Alumni Relations has developed an insurance program to protect independent alumni classes,
regional clubs and affiliated groups and their officers, volunteers and members from liability risks that may arise while
conducting the activities of the group. These activities can include hosting events at someone’s home or at a public
venue, preparing and distributing newsletters and mailings and more. Coverage applies to third party bodily injury or
property damage, and can be triggered if a guest attending an alumni–sponsored event is hurt in a fall or an individual
suffers personal injury because of an inadvertent misstatement made in a newsletter or website.
Why do alumni groups need this coverage?
While the types of activities engaged in by classes, clubs and affiliated groups are not inherently dangerous; they do
involve the ordinary risks associated with organizational activities. In an effort to protect our active alumni, the College
recommends that each alumni group obtain insurance against claims by third parties for personal injury and property
damage – so-called “General Liability” insurance. To avoid costly duplication of effort, the Office of Alumni Relations
has identified a single carrier (Travelers) that will provide “General Liability” coverage to club, class and affiliated groups
– as long as they are named at the time of the policy renewal. This is a very cost-effective way to deliver insurance to
independent alumni groups.
Why doesn’t the College’s General Liability policy cover alumni groups?
The College’s General Liability policy covers those activities that are managed and controlled by the College
administration. Alumni clubs, classes and affiliated groups often collaborate with the College, but are not ultimately
controlled by the College administration. Because the College does not actively manage alumni group activities, and
because classes, clubs and affiliated groups are structured independently of the College, the College’s General Liability
policy does not afford primary coverage for alumni groups.
What does the Travelers General Liability Insurance Cover for Classes, Clubs and Affiliated Groups?
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Coverage applies to ALL related activities. This applies to whether an Alumni activity is:
o On Campus (including reunions and mini reunions)
o Off Campus
o Sponsored, arranged, paid for, or promoted through
 Local Class Organizations
 Regional Clubs
 Through the Dartmouth Campus Alumni Office
The General Liability through Travelers makes no differentiation with respect to type, place, or organization of
activities.
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The Policy provides for $2,000,000 per occurrence and a $3,000,000 policy aggregate in insurance limits. The
deductible, per occurrence or claim, is $0.
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The names and addresses of the officers of the independent Classes, Clubs, and Affiliated groups should be part
of the underwriter’s information submission provided annually at policy renewal upon request from the Office
of Alumni Relations. Failure to do so would jeopardize coverage.
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The classes, clubs and affiliated groups are insured, as are their officers and other members. Coverage is also
extended to volunteers. Coverage is restricted to the business of the classes, clubs and affiliated groups.
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The underwriter requires adherence to Dartmouth College alcohol guidelines. Events that occur on the
Dartmouth College campus, including tailgating parties, should be registered with Dartmouth’s Office of Safety
and Security. Cash bar events are specifically excluded from the Traveler’s policy, and will not be covered.
Other exclusions may exist, and are outlined in the policy, which has been mailed to each club, class and
affiliated group president.
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What if my group wants to host something on a boat or a venue that is specifically excluded on the policy?
You may call Dartmouth’s Office of Alumni Relations to speak with the Director of Regional Affairs (clubs), the Director
of Class Activities (classes) or the Executive Officer. We will work with the Office of Risk Management to determine if an
event-specific rider for that event can be obtained. The premium cost of any rider will be borne in full by the club or
class.
Crime Insurance
The Office of Alumni Relations currently coordinates the purchase of a separate crime insurance policy for active alumni
classes (only) organizations. The policy provides $25,000 in policy limits and provides coverage for theft or forgery of
funds, and computer fraud.
Directors & Officers Insurance
D&O coverage is designed to protect officers, other designated individuals, and the entity itself for claims arising out of
wrongful acts and/or the failure or negligence in carrying out their fiduciary duties of diligence, supervision, appropriate
financial management, and other actions on behalf of the organization. D&O insurance provides coverage that is
generally excluded in a general liability policy and specifically excludes third party bodily injury and/or property damage.
The insured entity on a D&O policy can be: directors, officers, sponsors, advisors, employees and volunteers. The
purpose of the policy is to protect those insureds against personal financial loss in the event of a claim arising out of the
errors or omissions in the operation of its organization.
Examples of claims covered only through a D&O policy are:
 Allegations of a wrongful act, such as an actual or alleged error, omission, act, misstatement, neglect or breach
of duty in the discharge of duties to or on behalf of the organization
 Wrongful exclusion against the organization and/or its officers
 Allegations of sexual harassment/assault
 Claims filed against the insured(s) by volunteers or others, alleging fiduciary negligence
 Claims against insureds for breach of contract
 Claims for libel, slander, defamation, or invasion of privacy
Examples of claims that are NOT covered through a D&O policy:
 Pending or prior litigation
 Insured versus insured
 Fraudulent dishonest acts and/or criminal acts
 Personal profit or advantage
 Bodily injury and/or property damage
The policy provides defense coverage and covers legal fees until final adjudication.
The cost to defend a D&O claim can be considerable and is often the reason for purchasing this type of specialized
insurance coverage.
If you would like to explore purchasing this type of insurance, please call the Office of Risk and Internal controls or email
Risk.Management@Dartmouth.edu.
February, 2013