Effective May 1st, the ARRL has changed program administrators and
insurance companies for its ARRL-sponsored Equipment Insurance and Club
Liability insurance plans. The League has signed an agreement with Hays
Affinity Group http://arrlinsurance.com/ to serve as the program
administrator to provide equipment insurance to its members who choose
to elect coverage. In addition, Hays will also provide club liability
insurance to ARRL Affiliated Clubs for those clubs that wish to take
advantage of that program. Hays will be replacing Marsh Affinity Group
Services as the program's administrator and will be introducing new
policies for both plans, underwritten by the Hanover Insurance Company.

Members who are currently insured under the old plans are likely to
receive a notice from Marsh, announcing the change. Be assured, if you
currently have equipment or club liability insurance provided through
Marsh Affinity Group, your coverage will continue through the end of the
current policy term. But keep in mind that when your policy expires,
your coverage will not automatically be switched over to Hays. In
addition, beginning May 1, the ARRL will no longer be able to help you
resolve any issues you may have with Marsh, the insurance company or
their claims paying agent. Our contractual agreement with them has been
terminated.

If you wish to enroll in the new insurance plans, you must do so with
the Hays Affinity Group. You can sign up online
http://arrlinsurance.com/ and even schedule your radio equipment
online, too. With Hays Affinity Group, you can have all your radio
equipment covered, even the computers, hard drives and printers in your
shack. There are several provisions in the new equipment insurance plan
that we believe are improvements over the old plan. Coverage for towers
and antennas is now up to $15,000 of replacement cost, 50% more than the
old policy. In addition, any newly acquired equipment during the policy
term, up to a value of $2,000, will be covered until your next policy
renewal (you must notify Hays within 60 days of acquisition). The low
deductibles on the policy have also been retained. There is a $50
deductible for replacements and $25 for repairs. The coverage is as
comprehensive as the old plan including fire, theft, lightning, wind and
flood damage to your equipment. The new premium is $1.40 for every $100
of replacement value insured. This is slightly less than in the past.

The Club Liability insurance plan now provides the same general
liability insurance for most clubs for only $200 per year (add $100 per
year if the club wants to include non-owned or leased auto liability
coverage). The standard limit for the policy is $1,000,000 per
occurrence ($2 million in the aggregate) but if your club needs a higher
limit, you can call the Hays Affinity Group for a quote.

To have your equipment covered under the new policy, you will have to
enroll with Hays to continue coverage under an ARRL-sponsored plan. If
you wish to switch to either of the new insurance policies now, you can
either cancel your policy with Marsh and sign up with Hays, or wait
until your policy with Marsh is due for renewal and then sign up with
Hays for coverage. If you choose to cancel with Marsh before renewal,
you will receive a pro-rated refund of any unused premium fees you have
paid. For more information you can contact the Hays Affinity Group at:

Hays Affinity Group
Attn: ARRL Insurance Program
1400 Renaissance Drive, Suite 300
Park Ridge, IL 60068

Phone: (866) 819-0209

E-mail: .

The ARRL has been providing opportunities for equipment insurance to its
members for more than 25 years. We believe that the programs
administered by Hays will offer ARRL members the coverage they need and
excellent customer service.

73,

Barry J. Shelley, N1VXY

Chief Financial Officer

ARRL, Inc.