Sport Rocketry

63 NAR MEMBER GUIDEBOOK, January 2020 Edition NAR Insurance NAR Insurance brought against then, due to covered activities of the Section held on their property. How do I convince Farmer Brown that this is real insurance backed by a reputable pro- vider, so that he'll let me launch on his land? What benefits can I show him? The NAR Section can deliver "Farmer Brown" an insurance certificate listing the landowner as an addi- tional insured regard- ing NAR activity on their site. Our insur- ance agent issues these directly to the land owner in most cases via email or this certif- icate can be delivered directly to the NAR section contact and it provides the site own- er with policy facts such as limits, effec- tive dates, and the in- surance company pro- viding the coverage. If your landowner has additional questions or concerns, they can then contact the NAR president. When an insured Sec- tion is flying, do club officers of that Section need to be present? There is no require- ment for officers to be present at a Section launch. However, we strongly encourage a responsible club officer to attend all flying events. In all cases, we strongly recommend that a Range Safety Officer be appointed and on duty at all times. Is there anything that clubs can do to mini- mize the risk of paying a judgment? Yes! Follow the Safety Codes. Use only certified motors at your launches. Make sure there is a designated Range Safety Officer (RSO) supervising your launches at all times. If in doubt, err on the side of safety. Have par- ticipants who are not NAR members sign a "hold harmless" agreement when they come onto the range, acknowledging that they ac- cept responsibility for whatever risk they may experience and will not file a claim against your section or the NAR. Keep all copies of these signed agreements. I am a business owner (for example: hobby shop, vendor, or manufacturer). Does my NAR insurance cover rockets that I fly in relation to my business, such as public demonstration launches that I run for business development and not sponsored by an NAR section for mem- bership development, or such as my company's own separate flight testing launch events? No. NAR insur- ance covers only flights at launch events conducted as a part of the NAR's non-profit educa- tional and recre- ational missions, and flights done by NAR members for their own personal purposes. Flights done by a business entity at launch events that are held for business purpos- es are not covered by this insurance, and require separate commercial liability insurance. I plan to fly rockets in full compliance with all NAR Safety Code requirements at a launch event where there will also be flights that are conducted outside NAR Safety Code limits. Does NAR insurance cover me for my flights? Yes. Active NAR members are considered additional insureds on the NAR liability in- surance in relation to NAR rocket activities as long as these personal activities are con- ducted in full compliance with all NAR Safety Code requirements. When should an insurance claim be filed? You should file a claim anytime there is an incident at an NAR event which results in more than $500 in property damage or per- sonal injury. If in doubt about the amount of damage, err on the side of caution and file the claim as soon as possible after the incident. Prompt reporting of claims is a policy require- ment. File the claim as soon as possible after the incident. If a claim must be filed, how do I file it? Contact NAR HQ and the NAR President immediately after any accident for which you believe you might have to file a claim. They'll have complete information available for you to file a claim. You can also file a prelimi- nary report of your claim by using the Online Claim Form at the NAR website. After com- pleting the form, you will be contacted for further information in order to complete the claim filing. Can I contact someone if I have questions about insurance? NAR mem- bers should con- tact the NAR President with additional con- cerns. Questions about Safety Codes, By-Laws, Section activi- ties, other NAR services and oth- er sport rocketry issues should be directed to the appropriate NAR commit- tee. Disclaimer These scenar- ios listed above are for reference purposes only. Coverage accep- tance, or denial, depends on the material facts of the incident and the applicable coverage, or exclusions, on the policy. Final cov- erage determination can only be made by the respective insurance company.

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