Volunteers Insurance Service Association (vis) Auto Liability*

While we recommend you require your volunteers to carry a minimum limit of at least $100,000 per person / $300,00 per accident in bodily injury and $100,000 in property damage liability, we know that many Villages only require the volunteer to have the minimum limits of auto liability insurance to meet state laws.

That is why we utilize CIMA Volunteers Insurance Service Association to provide additional auto liability protection for your volunteers.

VIS provides up to an additional $500,000 in Auto Liability for each volunteer.

For those volunteers who drive, each accident limit of liability is subject to the limits outlined in endorsement VIS219, and will not exceed $500,000

The Each Accident limit of liability shall be the lesser of the following amounts: 
a. $500,000; 
b. If the “insured” had primary automobile liability insurance in effect at the time of the accident and that primary insurance provides a limit of liability for each accident, three times the amount of that limit of liability;  
c. If the “insured” did not have primary automobile liability insurance in effect at the time of the accident but the applicable state financial responsibility law at the time of the accident provides a limit of liability for each accident, three times the amount of that limit of liability.

Insuring your volunteers separately, through the VIS, preserves your village's favorable loss experience, and in some cases, may preserve its access to broad and affordable insurance.

*CIMA VOLUNTEER INSURANCE

SURPLUS LINES INSURANCE - THE INSURANCE UNDER THE VOLUNTEER LIABILITY AND VOLUNTEER EXCESS AUTOMOBILE LIABILITY POLICY IS ISSUED PURSUANT TO THE SURPLUS LINES LAWS OF EACH STATE, POSSESSION OR DISTRICT (EXCEPT IN THE CASE OF KENTUCKY, ILLINOIS AND THE U.S. VIRGIN ISLANDS, WHERE THE INSURER OPERATES ON AN ADMITTED BASIS).  PERSONS INSURED BY SURPLUS LINES CARRIERS DO NOT HAVE THE PROTECTION OF THE INSURANCE GUARANTY ACT OF THEIR STATE, POSSESSION OR DISTRICT TO THE EXTENT OF ANY RIGHT OF RECOVERY FOR THE OBLIGATION OF AN INSOLVENT, UNLICENSED INSURER.  SURPLUS LINES INSURERS’ POLICY RATES AND FORMS ARE NOT APPROVED BY ANY REGULATORY AGENCY. DEPENDING ON YOUR STATE, THERE MAY BE STATE MANDATED SURPLUS LINES TAXES, POLICY FEES, STAMP FEES AND RELATED CHARGES APPLICABLE TO YOUR INSURANCE POLICIES.  ALL OF THESE CHARGES WILL BE INDIVIDUALLY SHOWN ON YOUR POLICY INVOICE AND ALL OF THESE CHARGES ARE REMITTED DIRECTLY TO YOUR STATE’S INSURANCE DEPARTMENT ON YOUR BEHALF BY CIMA.

The above descriptions of coverage are intended to be an overview only.  They are not binding. Only the actual insurance policies when issued will determine what coverages are provided and excluded by the insurance carriers.