What s Covered What s Not

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Arnold Wilkinson
8 years ago
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2 What s Covered What s Not Standard Youth Soccer Insurance Coverage US Youth Soccer Risk Management Committee

3 REMEMBER: Every policy is individual know your policy! This presentation is only a representation of standard coverage and may not accurately reflect the insurance in your State Assn.

4 General Liability Policy Provides legal liability protection for the State Association and Member Leagues, Clubs, Players, Coaches, Volunteers, Officials, Directors, Officers, Employees and Referees

Leagues, Clubs, Players, Coaches, Volunteers,

5 General Liability Policy Typical covered sanctioned activities: Games Tryouts Practices Tournaments Fund Raising Activities

6 General Liability Policy Typical Covered Incidents Include: Liability for player injuries (unsecured goals, field obstructions, rough play) Third party property damage caused by negligent use of premises Trips, falls by spectators attending sanctioned activities even getting hit by that tournament golf cart

party property damage caused by negligent use of premises Trips, falls by

7 General Liability Policy Typical Covered Incidents Include: Sexual abuse & molestation including coach/player liaison situations Hired/Non-Owned auto coverage primary for rented autos and excess over non-owned auto. Example: Tournament volunteer picking up tournament supplies or Board Member using rented auto to attend a convention.

primary for rented autos and excess over non-owned auto.

8 Typical Policy Limits 1 million per occurrence 5 million policy aggregate

9 General Liability Insurance What s NOT Covered

10 General Liability Policy You are NOT covered for: Punitive or exemplary damages (punishment) Fines, penalties or sanctions imposed by law (or their defense costs)

11 General Liability Policy Automobile Use Is NOT covered for: Liability coverage to a coach, parent, volunteer or referee who is driving players to and from a soccer event Physical damage to vehicle All coverage is secondary. The vehicle owner s auto insurance will respond to any claim first.

to and from a soccer event Physical damage to vehicle All coverage is

12 Excess Accident Medical Policy Provides excess accident medical coverage to registered players, officials, coaches, administrators, managers, volunteers, ODP administrators Non-registered players participating in scheduled tryouts

coaches, administrators, managers, volunteers, ODP

13 Typical Limits of Liability $100,000 per accident Benefit period of 2 yrs. from date of accident Secondary to Other Coverage. Can have Deductible.

14 Excess Accident Medical Policy Typical Coverage Includes: Coverage of medical expenses for injuries Doctors, office visits, hospitalization, therapy, etc. are covered Necessary medications, medical appliances required for treatment Coverage becomes primary when other insurance coverage is not available.

15 Excess Accident Medical Policy What s NOT Covered

16 Excess Accident Medical Policy What is NOT Covered: Treatment of teeth except treatment for an injury to natural teeth Eyeglasses, hearing aids and the examination for fitting them Watch for policies with sub-limits for physical therapy and/or prescription drugs

hearing aids and the examination for fitting them Watch for

17 Excess Accident Medical Policy What is NOT Covered: Insured who is intoxicated or under the influence Suicide, attempted suicide, intentional self injury Participation in a riot

18 Non-Profit (D&O) Liability Typical Covered Incidents Include: Wrongful acts, errors and omissions committed in governance of the organization Discrimination charges Negligent hiring or termination Eligibility matters (Example: player does not make select team)

the organization Discrimination charges Negligent hiring or

19 Typical Policy Limits 2 million in aggregate

20 Non-Profit (D&O) Liability What s NOT Covered

21 Non-Profit (D&O) Liability What Is NOT covered: Insured v. insured incidents (Example: Club suing State Association) Sexual Abuse/Molestation (Covered under General Liability) Prior Knowledge exclusion

22 Non-Profit (D&O) Liability What Is NOT covered: Watch for cost to defend being included in policy limit. (Example: If a lawsuit costs $250,000 to defend, only $750,000 would be left for payment of the award.) Aggregate policy can mean that one claim depletes all available coverage

23 REMEMBER: Every policy is individual know your policy! Talk to your insurance company for additional coverage for exclusions/gaps or to raise limits on your policies.

Overview of NICA Insurance Policy

Overview of NICA Insurance Policy Clubs: General Liability (includes coverage for trail maintenance and repair by the club. Club rides, training rides/races and other club functions such as meetings and