Casualty Insurance

General Liability, Business Auto and Umbrella Liability 

• Commercial General Liability limits of $202 million per occurrence, per member
• Coverage for numerous exposures unique to the hospitality/resort industry, including
  • Garagekeepers Legal Liability
  • Liquor Liability
  • Innkeepers Liability
  • Saddle Animals, Spas, Watercraft, and Winter Sports Activities
  • Terrorism Coverage
• Business Automobile limits of $204 million per occurrence, per member
• Coverage for vehicles registered or leased by the resorts, including private passenger vans, buses, and even antique automobiles. Coverage included for hired and non-owned vehicles.
• All carriers are admitted
• Claims are expertly handled by a hand-picked team at Gallagher Bassett Services, Inc.
• Flat, annual claims handling fees provide "cradle-to-grave" claims handling for all claims that are reported during the policy term
• NEW IN 2010 - Casualty Program Retrospective Rating Plan: 
  For the period 6/1/2010 – 5/31/2013, XL Insurance (XL) has offered, for no additional cost to members, a one-way retrospective rating plan (“Retro”).  Depending upon the future losses of the group, for the policy years 6/1/10 – 5/31/13 (“the Measurement Period”), XL will return a dividend to RHA, which RHA will distribute according to each member’s individual loss ratio during the Measurement Period. 

For additional information on this, or any, of RHA's Insurance Programs, contact David Kean at david@rhainsure.com or (804) 525-2029.