RKIFMC Insurance Program
What is the RKIFMC Insurance Program?
Our Insurance Program is to help us protect our brothers, sisters, and patrons during our events. This program has been designed for U.S.-based Clubs. We offer affordable general liability protection for your club’s bike shows, meetings, rallies, and social functions. While participating in your covered activities, the general liability coverage extends to your officers, members, and volunteers. Excess liability limits are available. The program automatically includes Products Liability (food or drink) and $1 million Commercial General Liability. Legal Liability to Participants (LLP), which applies to motorized events and protects your club if it is found to be legally liable for a participant’s injuries, is included. For your rallies, we can also provide general liability for officials, sponsors, advertisers, and any person or organization operating, managing, sanctioning, sponsoring, or providing the premises for your covered program. Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.
A step-by-step guide to securing insurance for your ride.
Detailed itinerary of ALL event activities taking place before, during, and after the event (incl. vendors, inflatables, music, games etc.).
If the event will have any stops/locations serving alcohol, please provide us with the controls that will be in place regarding alcohol consumption and the controls that no participants will be drinking and driving during the “wheels moving” portion of the event. As well as the controls that will be in place to ensure that no one who has been overserved will be driving.
We cannot offer insurance for any event where your Chapter is selling alcohol to those attending. There also must be monitoring of alcohol intake by professional servers and/or by the responsible Chapter anytime motor vehicles are involved in the event.
Along with the information above, you will be advised of the amount of both checks to be written (one for deposit waiver and the other for the cost of the insurance itself.), whom to write them out to, and where to send them.
General Liability Insurance coverage
The General Liability policy would provide annual membership liability coverage for US-based and Canadian-based sanctioned Red Knights Chapters. The “Membership Portion” of the policy would extend to the events included below. Any events outside of the annual membership coverage that clubs are sanctioning (IE: Poker Runs, Guided Rides, Events Open to the Public, Etc.) would need to be submitted and approved for event liability coverage to apply.
The annual membership coverage is intended to cover events that are less than one day in length and that do not include non-members and/or anyone of the general public. Covered membership activities include business meetings and member-only social functions such as breakfasts, luncheons, dinners, picnics, dances, birthday party celebrations, and club anniversary celebrations or similar events. **Events that are not covered under the annual membership coverage include, but are not limited to, any events that are open to the public, car/truck shows, poker runs, rallies, guided tours, car washes, toy runs, autocross, gymkhana, slalom, time/speed/distance rallies, and any other events that include wheels moving activities or overnight camping.
SOGs that apply to the Insurance Program
11:02 Insurance for Events
Associations and Chapters can apply to the International requesting that insurance coverage be provided for special fund-raising events to aid a Red Knights Member. This is to be a onetime request per member. Revised 11/14/2014 Syracuse, NY
11:02A Red Knight Sanctioned Events
The International will pay for the insurance to cover any RKIFMC sanctioned event hosted by the International, Regional Associations or State/Provincial Associations that is a multi-chapter event. The International will pay for one event per year for the Regional, State and Province Associations or for a one-time chapter event in states or province where there is not an Association. In the case where there is not an Association, the insurance will only be paid for a period of two years. The hosting Association shall request insurance from the International Secretary. Local Chapters can request insurance for benefits or events sponsored by the chapter. The cost of the Insurance will be paid by the Chapter(s) making the request.
Revised 11/14/2014 Syracuse, NY
11:04 Waiver Charge
Due to the requirement from our insurance company that ALL waivers must be returned and maintained for a period of seven years and since there is a problem in getting the chapters to return the waivers after their event, a $50.00 waiver will be charged. The $50.00 waiver charge will be returned to the chapter after the waivers are returned to the Executive Secretary. Any chapter failing to return the waiver forms to the international secretary within 30 days of their scheduled event shall forfeit the $50.00 deposit they have placed on the waivers. They will also have to deposit $100.00 the next time they apply for insurance. Should the Chapter fail to return the waiver forms within the allotted 30 days a second time this action will disqualify them from insurance coverage for two years. Revised 11/14/2014 Syracuse, NY
Michael “Woody” Woods
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