As usual Stacy Tebo does not know what she is doing insofar as the insurance she secured for Hamilton County School Board. She listed the Town of White Springs as the Designated Member and stipulated all of the insurance coverage provided to the Town of White Springs on the Certificate of Insurance. Yet Hamilton County School Board is not insured as is required because Hamilton County School Board was NOT LISTED AS AN ADDITIONAL INSURED. BUT IT SHOULD NOT BE THE SCHOOL BOARD BUT RATHER HAMILTON COUNTY SCHOOL DISTRICT WHICH SHOULD BE THE CERTIFICATE HOLDER AND ADDITIONAL INSURED.
AS SUCH IT SHOWS THE TOWN IS PICKING UP THE BASKETBALL CAMP UNDER THEIR MEMBER INSURANCE WITH FMIT, BUT IF THERE ARE CLAIMS, THE HAMILTON COUNTY SCHOOL DISTRICT HAS NO COVERAGE UNDER THE TOWN’S POLICY AND AS SUCH COULD BE SUBJECT TO LIABILITY CLAIMS. THAT IS NOT WHAT THE HAMILTON COUNTY SCHOOL BOARD SHOULD ACCEPT BECAUSE IT DOES NOT PROVIDE HAMILTON COUNTY SCHOOL DISTRICT COVERAGE UNDER THE FMIT POLICY AS AN ADDITIONAL INSURED, NOR ARE THE LIMITS THE SAME AS HAMILTON COUNTY SCHOOL DISTRICT IS PROVIDED UNDER ITS OWN POLICY.
This is what Certificate Holder means: The Hamilton County School Board is provided with a certificate of insurance that shows that the Town of White Springs also listed as the the “Name Insured” under the FMIT policy does in fact maintain insurance and names the Hamilton County School District only as the “Certificate Holder.” It is just a proof of insurance which the Town carries.
There are two types of Certificates one showing only Hamilton County as a certificate holder and the other as an additional insured. … Bottom line:Certificate Holder is simply proof of insurance, where as Additional Insured status would provide Hamilton County School District with coverage and rights under The Town of White Springs Policy who is, the “Name Insured” under the policy policy.
Also Clarence Strong under the Strong Foundation is operating and maintaing the basketball camps with volunteers under him and neither he or the foundation are provided insurance for these special events or otherwise. This means that since Mr. Strong did not secure the insurance under his foundation or his name individually, all liability as such will fall on the Town of White Springs and the Hamilton County School District and we are talking children who could get hurt. Nice Going Stacy Tebo!
Karin for the blog