The Climbing Wall Association, Inc. (CWA) maintains insurance programs for its members in the climbing wall marketplace. CWA insurance programs are available only to current members of the CWA as a member benefit. Maintaining the insurability of the market, both availability and price stability, are critical objectives of our insurance programs. CWA's insurance programs are administered by Stratus Insurance Services, Inc., a managing general agent in American Fork, Utah. If you have questions about insurance coverage for your business, please feel free to contact the CWA, or Stratus Insurance Services at the address below.
General Liability Insurance Program
The CWA, and Stratus Insurance Services, provide general liability insurance coverage through the Outdoor Education and Recreation Insurance Program (ORIP). ORIP is a risk purchasing group organized by Stratus and underwritten by a highly rated insurance carrier Colony Insurance in Richmond, Virginia. A.M. Best rated our insurance carrier A (Excellent), IX ($250 to $500 million or more in statutory surplus and related accounts), with a stable outlook.
The ORIP risk purchasing group places our members in an organized pool together, giving us a much stronger position as a group of members rather than just one facility or gym shopping for insurance individually. In addition, the ORIP has become skilled at underwriting our types of businesses. By combining our insurance purchasing power into one pool, we help to maintain fair rates, stability in our part of the insurance market, and consistent availability. You can find a CWA commercial general liability insurance program application here.
Worker's Compensation Insurance Program
The workers' compensation insurance program was developed by CWA in response to the mis-classification of employees working in climbing facilities which resulted in significant premium increases. The CWA and Stratus Insurance Services, provide workers' compensation insurance coverage through Meadowbrook Insurance Group (MIG). MIG is rated A- (Excellent), XIII ($100 to $250 million or more in statutory surplus and related accounts), with a stable outlook. You can find a workers' compensation insurance application here.
Property Insurance Program
The property insurance program is available only to current members of the CWA as a member benefit. Stratus Insurance Services has the ability to write property insurance on climbing facilities and portable climbing walls. The primary insurer for the program is National Farmers Union, an A- rated company (Excellent). Property insurance provides protection against most risks to property, such as the loss of, loss of use of, or damage to property caused by a covered peril. Examples of perils covered by property insurance might be fire, theft and some weather damage. Property is insured in two ways either "open perils" or "named perils", our program is an "open perils" program. Open perils programs cover all of the causes of loss not specifically excluded in the policy. Portable climbing walls can be covered in this program, fixed facilities can also be underwritten. You can find a property insurance application here.
For more information about CWA insurance programs please contact Cameron Allen at Stratus Insurance Services.
Stratus Insurance Services, Inc.
947 South 500 East, Suite 301
American Fork, UT 84003
Toll Free - (866) 395-1308
Direct - (801) 763-1375
Fax - (801) 763-1374
Web Site: http://www.stratusins.com/climbingwallinsurance.html
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