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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

Above charges are per team.

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 For Rate: Please complete application
19 - 59 yrs. (Adult) $9.20 $11.20 $4.08 N/A N/A

Download the Application

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

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
$1,000 Deductible for all other adult activities
$25,000 Accidental Death and Dismemberment Paralysis Benefit
Quadriplegia ........................$50,000
Paraplegia ...........................$37,500
Hemiplegia ...........................$25,000

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.)

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 Afforded by this Policy

NOTABLE EXCLUSIONS:

* An NRPA administration fee of $3.00 per team has been included in the liability charges.
* Includes 2.25% surplus line tax.

* U.S. 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 insurer. The information contained herein is for general information purposes only and does not constitute an offer to sell or a solicitation. The product descriptions are not a complete description of all items, exclusions and conditions in the policy. Policy terms may be changed by the insurer from time to time, and the preceding descriptions are not intended to be relief upon potential insureds.

Accident Insurance

Excess Accident Medical and Dental Expense Benefit

The Plan pays for covered 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.

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.

The following maximums will apply:

  1. Hospital Room and board – Semi-private room rate not to exceed $250 per day
  2. Physician’s visits - $30 for the first visit and $20 for each subsequent visit per injury. Visits are limited to one per day.

The Maximum Payable Accident Medical/Dental Expense for covered Youth Activities is $250,000 with no deductible.

The Maximum Payable Accident Medical/Dental Expense for covered Adult Activities is $100,000. The deductible applicable for Baseball and Softball, if there is no other valid or collectable insurance, is $2,000. The Deductible applicable for all other covered Adult Activities, if there is no other valid or collectable insurance, is $1,000.

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:

  1. The insured has 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.

Type of Loss:

  1. Life................................................................................$25,000
  2. Loss of any two of the following: hand, eye or foot.............$25,000
  3. Loss of any one of the following: hand, eye or foot.............$12,500

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.

Paralysis Benefit

If a covered injury to an insured person caused paralysis which persists for 12 consecutive months and is diagnosed as permanent and irrevocable by a physician, a benefit will be paid upon receipt of proof of one of the following losses:

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

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 and Paralysis are limited to an aggregate amount of $5,000,000. 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?

  1. Participating in scheduled games and practice sessions for youth activities (must have adult supervision)
  2. Participating in occasional fund raising events
  3. 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. Please refer to this complete list of exclusions.

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

  1. All insured teams in a League, Conference or Association, etc. must be covered under the Combined Plan.
  2. The cost for the Combined Plan is the minimum premium for coverage.
  3. 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.
  4. In order to avoid delay in the processing of the applications, please make sure the information you submit is complete and accurate.

Download the Application

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.