Insurance Coverages
Team Sports - Combined Liability and Accident Coverage
Combined Liability and Accident Rates
| Max.Age | Basketball, Baseball, Softball & Volleyball | Soccer | Street, Field,Floor & Roller Hockey | Ice Hockey/ Lacrosse |
|---|---|---|---|---|
| 12 yrs. | $102 | $113 | $133 | $165 |
| 16 yrs. | $124 | $140 | $160 | $193 |
| 18 yrs. | $175 | $140 | $213 | $245 |
| 19 - 59 yrs. | $335 | N/A | $243 | $280 |
*Please note that the total rate noted above includes both premium and a Risk Purchasing Group (RPG) fee of $10; NRPA receives $3 of the total RPG fee.
A complete roster is required for the sport listed below
| Max.Age | Swimming Per Person | Track & Field Per Person | Tennis & Golf Per Person | Wrestling Per Person | Day Camps & Clinics Per Person Per Day |
|---|---|---|---|---|---|
| 18 yrs. (Youth) | $6.16 | $6.16 | $2.07 | $10.70 | 1.82 per participant |
| 19 - 59 yrs. (Adult) | $9.20 | $11.20 | $4.08 | N/A | N/A |
Coverage Afforded by Plan through Age 18
$2,000,000 General Liability / $2,000,000 Participant Liability
$250,000 Excess Accident Medical and Dental Expense – No Deductible
$25,000 Accidental Death and Dismemberment Benefit
Coverage Afforded by Plan Age 19 to 59
$2,000,000 General Liability / $2,000,000 Participant Liability
$100,000 Excess Accident Medical and Dental Expense
$2,000 Deductible for all other adult baseball and softball
$500 Deductible for all adult activities
$25,000 Accidental Death and Dismemberment Benefit
Liability Insurance – Description of Benefits
Description and Limit of Coverage
Commercial General Liability, including Bodily Injury, Property Damage, Personal Liability and Products Liability. Limits: $2,000,000 General Liability / $2,000,000 Participant Liability.
Who is Protected:
Coverage is provided for the insured League or Conference, its teams, sponsors, officers, directors, managers, coaches, umpires, referees 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 the owners of the playing facilities (City, Municipality, School District, etc.)
Major Coverages Afforded by this Policy
- Maintenance or use of ball parks and fields, stands and playing areas, including: all activities necessary or incidental to the conduct of practice, exhibition, post season and scheduled games.
- Consumption or use of food products
- Cost of investigation and defense against claims, even if they are groundless
- Non-Owned Hired Auto Liability
- Personal & Advertising liability
- Participant legal liability
- Professional Liability
NOTABLE EXCLUSIONS:
- 24-Hour premises liability
- Aircraft/hot air balloon
- Airport
- Animals
- All operations listed as ineligible
- Asbestos Exclusion
- Amusement devices (eg: rides, slides, inflatables, bungees, climibing walls, dunk tanks)
- Concerts
- Fireworks Exclusion
- Fungi or Bacteria
- Haunted Attractions
- Lead
- Employment Related Practices Exclusion
- Abuse, molestation, harassment or sexual conduct
- Nuclear Energy Exclusion
- Transportation of athletes
*Includes RPG Fee
Accident Insurance
Excess Accident Medical and Dental Expense Benefit
The Plan pays for covered medical expenses incurred for injury within 3 years after a covered accident.
Covered expenses are the usual and reasonable charges required to be paid for treatment by a physician, dentist, a hospital confinement or outpatient care in a duly licensed hospital, nursing care by a registered graduate nurse, emergency ambulance service and prescribed drugs, medicines and other therapeutic services and supplies.Including Hospital Room and board and Physician's visits.
The Maximum Payable Accident Medical/Dental Expense for covered Youth Activities (Ages 19 and Under) is $250,000 with no deductible.
The Maximum Payable Accident Medical/Dental Expense for covered Adult Activities (Ages 20 and Over) is $100,000. The Deductible applicable for covered Adult Activities is $500.00.
Excess Provision
The Accident Medical and Dental coverage is payable in excess of all other valid and collectable group insurance (Examples: Major Medical Plans, Automobile Medical Policies and HMO Plans).
Accidental Death and Dismemberment Benefit
If a covered injury causes the death or loss of sight or limbs of the insured person, a benefit will be paid upon receipt of due proof that:
- The insured has sustained a loss of the type listed below within 90 days after suffering the injury and
- Such loss resulted directly and independently of all other causes from such injury.
Loss of a hand or foot is actual severance through or above the wrist or ankle joint. Loss of an eye is the entire and irrevocable loss of sight of the eye. The total benefits payable under this coverage to one insured who suffers more than one such loss from one accident shall not exceed $25,000. The amount paid under this benefit will be less any amount paid under the Paralysis Benefit.
If more than one loss occurs from one accident only one amount, the larger, will be paid. The amount paid under this benefit will be less any amount paid under the Accidental Death and Dismemberment benefit for the same injury.
Aggregate Limit
The benefits for Accidental Death, Dismemberment is limited to an aggregate amount of $500,000. This is the maximum amount the plan will pay for injuries to a group of insured persons as the result of the same covered accident. Benefits will be divided among the insured persons in proportion to the actual loss incurred.
Who is Insured
Try-Out Season: During the early pre-season, try-outs insurance will extend to every person engaging in practice sessions 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 the registered players, the plan will cover the scorekeepers, cheerleaders, team managers, trainers, coaches, Volunteer umpires, referees and hired officials while acting in their official capacities at scheduled games or practice sessions. Coverage is effective both during the pre-season and regular playing season.
When are they covered?
- Participating in scheduled games and practice sessions for youth activities (must have adult supervision)
- Participating in occasional fund raising events
- Traveling in a group directly to or from a scheduled game or practice session.
Notable Exclusions: suicide, sickness, dental treatment, intoxication, replacement of hearing aids & felony.
Per Team Premium Rates for Accident Insurance Portion of Combined Plan
Contact Aon Association Services for your premium indication.
Terms of Coverage Afforded by Combined Plan
Coverage will become effective on January 1st or the day following the date the application and payment are mailed to Aon Association Services (as shown on the postmark), whichever is later.
INSTRUCTIONS
- All insured teams in a League, Conference or Association, etc. must be covered under the Combined Plan.
- The cost for the Combined Plan is the minimum premium for coverage.
- Full payment must be submitted with the completed application before your Liability Insurance Certificates and Accident Insurance Plan Description will be issued. No deposits will be accepted.
- In order to avoid delay in the processing of the applications, please make sure the information you submit is complete and accurate.
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 Nationwide Life Insurance Company.