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All Sweet Adelines International chapters in the United States are required to purchase liability insurance through a group plan provided by the international organization. This is part of the charter and recharter each May 1st.

• This coverage provides protection for claims brought by third parties who may have been injured or had property damage by activities of members or chapters.
• This coverage is for legal liability, which means the claimant must show that the member or chapter was negligent in causing the accident. It is NOT voluntary coverage which pays even though we are not at fault.
• This policy covers normal chapter activities, but does NOT cover unusual activities, such as fireworks, carnival and amusement rides, racing events and sporting events.
• This coverage does not cover chorus members. It also does not cover chorus property.

• Policies can be purchased from local insurance agenciesto cover such items as risers, sound equipment, music cabinets, and financial records.
• Some choruses rent space to store these items and might find this good coverage to carry to protect these items from fire, theft, tornadoes, etc.