This the application form for the insurance.


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Liability Insurance The Northern Recon Group (NRG) shall maintain at all times Commercial General Liability Insurance Coverage for bodily injury, property damage, personal and advertising injury caused, in whole or in part, by NRG acts or omissions or the acts or omissions of those acting on behalf of the NRG arising out of NRG events; the policy must also cover, as additional insureds, the person[s] or organization[s] related to NRG special events; the policy must also include Commercial Auto and Utility Trailer Liability Insurance; liability insurance coverage.

Liability Insurance Points to Remember: The purpose of the General Liability policy is to protect the club against liabilities, other than automobile liability, where the club is negligent, which results in bodily injury or property damage to a third party. Here are three examples:

A. A club member is driving their HMV in a club activity and is involved in striking a pedestrian. The club member’s individual insurance policy is responsible for liability coverage first. The affiliate policy is secondary to the member’s policy because the liability arose from a privately owned vehicle. The affiliate policy can be used if the individual’s limits are exceeded or if the affiliate is held partly liable because it is a sponsored event.

B. An affiliate owned concession stand vehicle is involved in a liability issue at a club-sponsored event. The affiliate insurance is primary for the liability exposure.

C. A member of the public trips over a speaker wire at a club-sponsored event, falls, and is hit by the speaker and stand. The affiliate insurance is primary for the liability exposure. No vehicle was involved, so no vehicle insurance is primary.

1. This insurance covers the actions of the affiliate. If there is an accident or liability exposure in the use of a privately owned vehicle, liability begins with the individual vehicle owner’s liability policy; your affiliate insurance is secondary to the owner’s insurance. If there is an accident or liability exposure with an affiliate-owned vehicle, your affiliate insurance is primary. If there is an accident or liability exposure of a non-vehicle nature, the affiliate insurance again is primary.

2. Affiliate insurance covers only affiliate-sponsored events, not individuals. If two of your members incur a liability because they were transporting an HMV, the affiliate insurance would not cover the liability. If the club was involved in removing HMVs from a junkyard as a club event, liability from that sponsored event would be covered, of course with the individual’s private vehicle insurance being primary coverage if a vehicle was involved.

3. All active affiliates are eligible, regardless of the percentage of members who are also members of the NRG. We of course would like affiliates to increase the number of NRG members on their rosters. Please continue to encourage all of your members to join National.

4. Remember, no affiliate events, which consist of mock battles, combat reenactments, firing of blanks, pyrotechnical displays, smoke, explosives, or flash devices, will be covered by the affiliate insurance program. However, affiliates can purchase single-event liability insurance from any insurance provider for these events.

5. If your affiliate is renting or using a facility for an event, and the owner of that facility requires a certificate of insurance, you can request one through NRG sixty days in advance. Again, the request for certificates must go through NRG and be approved first.

Click below for more information:
The MVPA wants us all to use and safely enjoy our military vehicles and providing our affordable Liability Insurance is one very large way of showing it. Listing your seemingly insignificant or small military vehicle event as an NRG event gets you that Liability Insurance. Thank you MVPA and J.C. Taylor. 
The MVPA provides all Association Business (Board Meeting Minutes, Membership Meeting Minutes, Financial Reports, and More).
If you ever want to know what is going on with the MVPA click here:
“How do you spot an NRG member? …
By the mud on their tires AND TRACKS!
Our vehicles are still serving…”
“Our Military Vehicles are Veterans Too!”

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