Football – Combined Liability and Accident Coverage

Rates

Combined Coverage Annual Cost Per Team

Maximum age of team members (Minimum age 5) Tackle Flag and Touch 12 $350 $98 15 $457 $116 16 $624 $165 17 N/A $165 18 N/A $165

Download the Application

Coverage effective date – Coverage will become effective July 1st or the day following the date your application and payment are mailed to Aon Association Services (shown on the postmark), whichever is later.

Liability Insurance

Commercial General Liability including Bodily Injury, Property Damage, Personal Liability, and Products/Completed Operations.

Limits of coverage

$2,000,000 Combined Single Limit per occurrence/$4,000,000 General Aggregate Limit per team.

Deductible

A $2,500 deductible may apply to this Liability Insurance.

Major coverages under this Liability Insurance include:

• Maintenance or use of football fields, stands and playing areas, only while in use for activities necessary or incidental to the conduct of practice, exhibition, post season and scheduled games
• Work performed by independent contractors
• Consumption or use of food products
• Fund raising, meetings and award banquets
• Cost of investigation and defense against covered claims, even if groundless
• Participant liability
• Player vs. Player
• $5,000 medical payments to other than "participants"
• Legal liability for libel, slander, defamation of character, wrongful eviction, invasion of privacy
• Terrorism/TRIA

Who is covered

The insured League or Conference, its teams, sponsors, officers, directors, managers, coaches, game officials and other managing personnel and auxiliaries, while acting on behalf of the insured League or Conference or one or more of its teams; the additional interest of playing facilities (City, Municipality, School District, etc.).

Notable exclusions include: Nuclear Energy, Asbestos Products, Employment-Related Practices, Pollution, Fireworks, Sexual Abuse & Molestation, Bodily Injury to Employees, Medical Payments to Sports Participants. Medical Payments to Volunteers, Amusement Devices, Climbing Walls, Inflatables, Aircraft, Hot Air Balloons, Airport, Motorized Vehicle, Motorcycle/Watercraft Power Boat Racing, Stunting or Demolition Activity, Professional and/or Semi-Professional Athletic Participants, Collegiate Athletic Participants, Rugby, Adult Tackle and/or Flag Football, Overnight Lodging, Competitions, Cheerleading Operations Other than Those Affiliated and Organized in Conjunction with a Member’s Football Operations, and War.

Accident Insurance

Accident Medical and Dental Expense Benefit

After the deductible, if applicable, the Plan pays for covered accident medical expenses incurred for injury within one year after a covered accident. The Plan also pays for covered dental treatment expenses incurred within one year after a covered accident resulting in injury to sound natural teeth. “Injury” means bodily injury caused by an accident that:

1. occurs while the policy is in force as to the person whose injury is the basis of claim; and
2. occurs while such person is participating in a covered activity; and
3. results directly and independently of all other causes in a covered loss.

Covered accident medical expenses include:

• Usual and reasonable charges required to be paid for treatment by a physician or dentist
• Hospital confinement or outpatient care in a duly licensed hospital
• Nursing care by a registered graduate nurse
• Emergency ambulance service
• Prescribed drugs, medicines and other therapeutic services and supplies

Limits of accident insurance coverage

The maximum payable for each insured person through age 18 per covered accident is $250,000. Additionally, the following maximums apply:

1. For Hospital Room and Board – semi-private room rate
2. For Physician’s/Chiropractor’s Visits – $40 for the first visit, $30 for each subsequent visit per injury

Excess Provision and deductible

Accident Medical and Dental Expense Benefits are payable in excess of all other valid and collectable group insurance – including Major Medical, Automobile Medical policies and HMO plans. A $250 deductible may apply to this accident insurance. If other insurance is collectible, the $250 deductible will be waived. If there is no other insurance, or other insurance does not make any payment for the claim, the full $250 deductible will apply.

Accidental Death and Dismemberment Benefit

If, as the result of an accident, a covered injury causes the death or loss of sight or limbs of the insured person, a benefit amount will be paid upon receipt of due proof that:

1. The insured sustained a loss of the type listed below within 365 days after suffering the injury, and
2. Such loss resulted directly and independently of all other causes from such injury.

Loss of a hand or foot is complete severance through or above the wrist or ankle joint. Loss of sight of an eye is the total and irrecoverable loss of the entire sight of the eye.

The total benefit payable under this coverage to one insured who suffers more than one such loss from one accident shall not exceed the amount payable for the largest loss.

Accidental Paralysis Benefit

If, as the result of an accident, a covered injury to an insured person causes paralysis, which persists for 12 consecutive months and is diagnosed as complete and irreversible by a physician, a benefit amount will be paid upon receipt of proof of one of the following losses:

Type of Paralysis: Benefit Amount:

Quadriplegia ..................................... $50,000
Paraplegia ........................................ $37,500
Hemiplegia ....................................... $25,000

"Quadriplegia" means the complete and irreversible paralysis of both upper and both lower limbs. "Paraplegia" means the complete and irreversible paralysis of both lower limbs. "Hemiplegia" means the complete and irreversible paralysis of the upper and lower limbs of the same side of the body.

Weekly Accident Indemnity Benefit

The Plan covers adult volunteers officially connected with the teams, who become totally disabled due to a covered accident during the performance of their official duties, and therefore miss work for which they are not compensated by their employer. The benefit pays $150 per week to a maximum of 26 weeks beginning the first day of continuous Disability, provided Disability commences within 30 days of the date of the accident causing injury. The plan will pay a benefit after 7 days of Total Disability. “Total Disability” means the injured person is unable to perform the material and substantial duties of his or her occupation for any employer.

Who is covered

Try-Out Season: During early preseason try-outs, insurance will extend to every person engaging in schedule practice seasons or games.

Playing Season: After the start of the playing season, insurance will cover all persons whose names are registered as eligible team members with the insured league or Conference. In addition to registered players, the Plan will cover the water boys, scorekeepers, cheerleaders, lead managers, trainers, coaches, and volunteer and hired officials while acting in their official capacities at scheduled games or practice sessions.

When they are covered

The Plan provides coverage while:

1. participating in scheduled games and practice sessions; and
2. participating in fund raising activities, attendance at banquets and meetings; and
3. traveling in a group directly to or from a scheduled game or practice session

Notable exclusions include: Suicide or attempted suicide or intentionally self-inflicted injuries; Hernia of any kind; Bacterial infections except pyrogenic infections caused by a covered injury; War or any act of war, declared or not; Service in the military, naval or air service of any country; Dental Treatments, except as a result of Injury to sound natural teeth; Replacement of eyeglasses and/or contact lenses or eye examinations for correction of vision or fitting of glasses unless the Injury causes impairment of sight; Intoxication or being under the influence of alcohol or narcotics unless administered on the advice of a physician; Services or treatment rendered by any person employed or retained by the participating group for the purpose of providing medical care or treatment; Replacement of hearing aids and/or the fitting and adjustment thereof; Injury for which the Insured Person is entitled to benefits under Worker’s Compensation Act of Law or any similar legislation.

Combined Limits

Combined Liability and Accident Insurance Limits of Coverage:

• $2,000,000 General Liability Insurance
• $250,000 Excess Accident Medical and Dental
• $35,000 Accidental Death and Dismemberment

Download the Application

Accident Insurance Underwriter

AIG LIFE INSURANCE COMPANY
600 King Street, Wilmington, DE 19801

Benefits provided under Policy # SRG8069298
Accident Insurance Underwritten by AIG Life Insurance Company (AIG Life) with its principal place of business in Wilmington, DE. AIG Life does not solicit business in New York.

Liability Insurance Underwriter

LEXINGTON INSURANCE COMPANY
100 Summer Street, Boston, MA 02110

General Liability Insurance Benefits provided under Policy number 4194565-02

Lexington Insurance Company is the leading U.S. based non-admitted surplus lines insurer. Risks placed with a surplus lines insurer must be placed in accordance with state and federal law, including applicable surplus lines laws. Surplus lines insurers do not generally participate in State Guaranty Funds and thus insureds are not protected by such funds. The surplus lines market is a brokered market providing flexibility in rate and form to meet customer needs for high risk and specialized insurance products.