Liability Insurance



  • Liability Insurance is offered for the following Federated events
    • Senior Club meetings, Festivals, Contests, , Jr Club meetings/Jr Counselor/Teacher recitals, programs, Mission/Charity type events such as presenting music/singing at Sr Citizen homes
  • General Liability Coverage
    • Protects all above for bodily injury or property damage caused during a sponsored event to a 3rd party.
  • Auto Liability Coverage
    • The hired non owned auto coverage protects for liability above the individuals personal auto policy. Their policy is primary this is secondary insurance protecting the organization(s) if the individual limits are breached.

Does Not Cover:

  • Damages to musical instruments
  • Theft of musical instruments

Insurance Policy Summary (Each Occurrence)

  • Commercial General Liability ($1,000,000)
  • Automobile Liability ($1,000,000)
  • Umbrella Liability ($1,000,000)
  • Workers Compensation & Employer Liability ($500,000)


  • $17 for each single day event
  • $20 for event with consecutive days
  • Add $1 to all events submitted after the deadline


  • Requests for coverage due by December 1 – For events January 1 – August 31
  • Requests for coverage due by August 15 – For events September 1 – December 31

One Event:

  • One Event is one continuous meeting/program/recital/contest/festival that may occur over more than one day (such as a Sr Club Festival over Saturday & Sunday or a convention from Thursday through Saturday.) If an event has a break of a day, it is not continuous, such as a meeting on Thursday, then the next meeting of the same group on Saturday.
  • One Event occurs at the same location.

Contact Your State Liability Insurance Chair to Purchase Liability Insurance

AL Linda Griggs lvgriggs@gmail.com
AR Jimmie Stephens jimmiesinquefield@gmail.com
AZ Cheryl Langley cdlangley@isomedia.com
CA Naomi Sanchez knsanchez@hotmail.com
FL Linda Blessing musicbless@aol.com
GA Nancy Eckert musicastudio@bellsouth.net
IA Dawn Steggerda dawnsteg@gmail.com
ID Robyn Wells robynkarawells@gmail.com
IL Mike Barnard barnard1@speednet.com
KS Dee Blaser dblaser@sunflower.com
KY Carol Woolverton carolwoo42@att.net
LA Ellen Bordelon fhornlady@msn,com
MI Arlene Anger arlenetanger@outlook.com
MN Sarah Twedt sarahtwedt@hotmail.com
MO Duane Langley DuaneLangley@sbcglobal.net
MS Lee Ann Cummings cummings-lee28@att.net
NC Norma Alexander nfawsnc@hotmail.com
ND Kris Brugamyer ndfmc@brugamyer.com
NE Bonnie Hartley bonhartley@cox.net
NJ Barbara Landi Hause barbarahause5@gmail.com
NM Suzanne Dawson suzannedawson5555@me.com
OH Jason Volovar eightyeightkeysrock@yahoo.com
OK Donna Caldwell donnafc77@hotmail.com
OR Wilma Hawkins wishpiano@gmail.com
SC Barbara Gulley bgulley1@charter.net
SD Lori Jessen lorijessen@gmail.com
TN Barbara Hildebrand bharmonyhall@gmail.com
TX Dorene Allen ldoreneallen@yahoo.com
UT Julie Smith jwsmith6255@gmail.com
VA Judy Barger Edgell jbarger1234@cox.net
WA Deb Wiser wsfmctreasurer@gmail.com
WI Susan Daniels skdaniels812@gmail.com
WY Jodie Jensen

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