coast guard morale, welfare, recreation manual - DOT On-Line ...

Chapter 12. INSURANCE AND SAFETY PROGRAM
A. Insurance Program.
1. A consolidated insurance program for all Coast Guard non-appropriated
funds and MWR activities was placed in effect 1 January 1978. This
eliminates the need fcr individual units to obtain separate policies.
It will relieve units of the awkward responsibility for negotiating
their cr;n policies; will ensure that a17 facilities and employees are
pro;,ected with adequate coverage; and will minimize Servicewide
insurance costs. The Coast Guard Trust Fund pays all premiums.
2. Cognizant authorities and commanding officers are expected to
continue all protective measures designed to keep insurance claims to
a minimum by establishing inspections of facilities, proper
maintenance of facilities to eliminate potential hazards, sanitary
inspections, auditing, and safeguarding of funds and other
precautions deemed necessary. The safety standards, program
procedures,
and accident reporting procedures established by the
Commandant in the Coast Guard Safety and Occupational Health Manual
(COMDTINST M5100.29 (series)) and in Commandant Instructions or
Notices, are applicable to MWR activities, facilities, and equipment.
3. A brief description of the coverage provided under the consolidated
insurance program follows:
a. Money and Securities - Coverage is provided for all loss of money
and securities caused by destruction, disappearance, or theft,
occurrence on the premises or while being conveyed by a messenger.
Coverage is provided under the self-insurance program. A $5,000
deductible applies to each occurrence.
b. Comprehensive Public Liability Insurance Including Motor Vehicle
Liability - This insurance covers liability whether imposed by law
or assumed under contract for personal injuries, other than to
employees, and from damage to property of others, including
liability resulting from the operations of boats under 26 feet in
length which includes sailboats, canoes, rowboats, inboard and
outboard. This policy also provides coverage for camper trailers,
boat trailers and il-Haul type trailers owned or leased.
C. Automobile Comprehensive Fire and Theft and $1,000 Deductible
Collision - This coverage is provided under the self-insurance
program and is applicable to all owned automobiles, leased or
hired vehicles, campers and water craft. The policy does not
prokiide coverag e for vehicles valued in excess of $10,000.