General Liability Insurance Coverage

Who Is Covered

This program provides protection for the promoters, employees, staff, and volunteers against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage.

Coverage Includes Suits Arising Out Of:

• Injury or death of spectators
• Injury or death of volunteers
• Property damage liability
• Host liquor liability (non-profit)
• All activities necessary to conduct events
• Ownership, use, or maintenance of arena or event areas
• General negligence claims
• Cost of investigation and defense of claims, even if groundless

Exclusions

Claims made by athletic participants, fraudulent or dishonest acts, asbestos liability, assault and battery, punitive or exemplary damages, sexual abuse and molestation, employment related practices, professional liability, total pollution, collapse of temporary structure, fireworks and pyrotechnics, nuclear energy liability, use of saunas, sale/manufacturing/distribution of any athletic equipment, owned auto coverage, medical payments, and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.

Participant Accident Insurance Coverage

Who Is Covered

All participants are covered while participating in Policyholder sponsored and supervised mixed martial arts, kickboxing, boxing, or wrestling events. A participant is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored activity and his or her home or place of residence.

Maximum Medical Expense Benefit

If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 1 year, beginning on the date of accident. Payment will be made for eligible expenses in excess of any other applicable insurance, not to exceed the Maximum Medical Expense Benefit. The first such expense must be incurred within 90 days after the date of the accident. “Eligible Expenses” means charges for the necessary medical treatment and service, not to exceed the Maximum Medical Expense Benefit as indicated on the following pages. Excess Coverage: This plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Insured Person.

Accidental Death & Dismemberment

If a covered injury results in any of the losses specified below within one year after the date of the accident, the company will pay the applicable amount.

• Full Principal Sum for loss of life
• Full Principal Sum for double dismemberment
• Full Principal Sum for loss of sight of both eyes
• 50% of the Principal Sum for loss of one hand, one foot, or sight of one eye
• 25% of the Principal Sum for loss of index finger and thumb of same hand

“Member” means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss of eye means the total, permanent loss of sight. If the Principal Sum is payable, no indemnity will be paid for dismemberment. In any event, the Double Dismemberment Indemnity is the maximum amount payable under this Benefit for all losses resulting from one accident.

Exclusions and Limitations

This plan does not cover any loss to or resulting from:

• intentional self-inflicted injury, suicide while sane or insane or any attempt thereat (in Missouri this applies only while sane);
• voluntary self-administration of any drug or chemical substance not prescribed by, and taken according to the directions of the Insured Person’s Physician;
• participation in a riot or insurrection;
• an act of declared or undeclared war;
• active duty service in any Armed Forces of any country, and, in such event, the pro rata unearned premium will be returned upon proof of service. This does not include Reserve or National Guard active duty or training unless it extends beyond 31 days;
• parachuting, except for self-preservation;
• bungee jumping, flight in an ultralight aircraft, hang gliding;
• sickness, disease, bodily or mental infirmity or medical or surgical treatment thereof, bacterial infection, regardless of how contracted. This does not exclude bacterial infection that is the natural and foreseeable result of an Injury or accidental food poisoning;
• services or treatment rendered by a Physician, Nurse, or any other person who is: employed or retained by the Policyholder; or is the Insured Person or an Immediate Family Member;
• flight in an aircraft, except as a fare-paying passenger;
• dental treatment, except as otherwise provided, and only when Injury occurs to sound natural teeth;
• any loss for which benefits are paid under state or federal worker’s compensation, employers liability, or occupational disease law;
• treatment in any Veteran Administration or Federal Hospital, except if there is a legal obligation to pay;
• cosmetic surgery, except for reconstructive surgery due to a covered injury;
• charges the Insured Person would not have to pay if He did not have insurance;
• eyeglasses, contact lenses, hearing aids;
• charges that are in excess of Usual, Customary, and Reasonable charges.