Insurance Coverages
Football – Combined Liability and Accident Coverage
Rates
Combined Coverage Annual Cost Per Team
| Maximum age of team members | Tackle | Flag and Touch |
|---|---|---|
| 12 | $308 | $87 |
| 15 | $410 | $104 |
| 16 | $568 | $150 |
| 17 | N/A | $150 |
| 18 | N/A | $150 |
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
$1,000,000 Combined Single Limit per occurrence/$2,000,000 General Aggregate Limit per team.
Deductible
A $2,500 deductible may apply to this Liability Insurance.
A "Release of Liability" document must be signed by each participant or parent/guardian (if under age 18) and maintained by the applicant team/league. Presentation of this form is required at the time of a reported claim in order to waive the $2,500 deductible for each occurrence (including supplemental payments). Failure to present the Release of Liability and Waiver document(s) will result in the claim being subject to the $2,500 deductible.
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:
|
|
|
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:
- occurs while the policy is in force as to the person whose injury is the basis of claim; and
- occurs while such person is participating in a covered activity; and
- results directly and independently of all other causes in a covered loss.
Covered accident medical expenses include:
- Usual and customary charges required to be paid for treatment by a doctor 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. The policy aggregate is $1,000,000. Additionally, the following maximums apply:
- For Hospital Room and Board – semi-private room rate
- 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:
- The insured sustained a loss of the type listed below within 365 days after suffering the injury, and
- Such loss resulted directly and independently of all other causes from such injury.
| Type of Loss | Benefit Amount |
|---|---|
| Life | $35,000 to age 18 |
| Loss of any two of the following: hand, foot or eye |
$35,000 to age 18 |
| Loss of any one of the following: hand, foot or eye |
$17,000 to age 18 |
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 benefit 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:
- participating in scheduled games and practice sessions; and
- participating in fund raising activities, attendance at banquets and meetings; and
- traveling in a group directly to or from a scheduled game or practice session
Exclusions: suicide, sickness, dental treatment, intoxication, replacement of hearing aids & felony. Please refer to this complete list of exclusions.
Combined Limits
Combined Liability and Accident Insurance Limits of Coverage:
- $2,000,000 General Liability Insurance Aggregate
- $250,000 Excess Accident Medical and Dental
- $35,000 Accidental Death and Dismemberment
This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.
Please Note
This is a brief description of the important features of the insurance plan. It is not a contract of insurance. The descriptions contained here are not a complete description of all terms, conditions, and exclusions in the coverage. Please refer to your Liability insurance Policy and Accident Insurance Plan Description of Coverage for complete information. Coverage may not be available in all states or certain terms may differ by state law. Please keep this information as a reference.
Insurance Underwriter
Accident and Liability insurance policies are provided by ACE American Insurance Company, Philadelphia, PA, or, in some states, other insurance companies of the ACE Group. Where coverage is provided by a surplus lines insurer that is part of the ACE Group, it is sold only through licensed surplus lines producers. Coverage may not be available in all states. View the Privacy Notice for ACE American Insurance Company.