Football – Combined Liability and Accident Coverage

Rates – TWO OPTIONS AVAILABLE

OPTION #1 - $1,000,000 Limit - Commercial General Liability (Per Occurrence)

K&K Flag / Touch Football - Team Rates
Maximum age
Combined Rate
12 yrs
$103
15 yrs
$125
16 yrs
$182
17 yrs
$182
18 yrs
$182
K&K Tackle Football - Team Rates
Maximum age
Combined Rate

w/Brain Injury
Excluded

12 yrs
$373

$356

15 yrs
$475

$458

16 yrs
$616

$616

17 yrs
N/A

N/A

18 yrs
N/A

N/A

Above charges are per team.

 

OPTION #2 - $2,000,000 Limit - Commercial General Liability (Per Occurrence)

K&K Flag / Touch Football - Team Rates
Maximum age
Combined Rate
12 yrs
$119
15 yrs
$141
16 yrs
$198
17 yrs
$198
18 yrs
$198
K&K Tackle Football - Team Rates
Maximum age
Combined Rate

w/Brain Injury
Excluded

12 yrs
$424

$398

15 yrs
$526

$500

16 yrs
$684

$658

17 yrs
N/A

N/A

18 yrs
N/A

N/A

Above charges are per team.

 

Sexual Abuse & Molestation Coverage*
$1,000,000 per occurrence / $1,000,000 aggregate
*ONLY AVAILABLE VIA ONLINE PURCHASE

Per Team Rate
Flag Football
$6.40
Tackle Football
$17.04

 

Please note that the total rate noted above includes both premium and a Risk Purchasing Group (RPG) fee of $15; NRPA receives $5 of the total RPG Fee.

Apply and Pay Online or Download the Application

Liability Insurance

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

Limits of coverage – 2 OPTIONS AVAILABLE

$1,000,000 General Liability Per Occurrence / $5,000,000 General Aggregate Limit per team / $1,000,000 Participant Legal Liability
OR
$2,000,000 General Liability Per Occurrence / $5,000,000 General Aggregate Limit per team / $1,000,000 Participant Legal Liability (Tackle Football), $2,000,000 Participant Legal Liability (Flag/Touch Football)

Deductible

$0 deductible applies to this liability insurance.

Liability Insurance – Description of Benefits

Description and Limit of Coverage

Commercial General Liability, including Bodily Injury, Property Damage, Personal Liability and Products 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 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, climbing walls, dunk tanks)
  • Concerts
  • Fireworks Exclusion
  • Fungi or Bacteria
  • Haunted Attractions
  • Lead
  • Employment Related Practices Exclusion
  • Abuse, molestation, harassment or sexual conduct (*Option to purchase SAM coverage now available online.)
  • Nuclear Energy Exclusion
  • Transportation of athletes
  • Ownership, operating or management of a commercial sports, fitness or dance facility
  • Cryogenic chambers/therapy

OPTIONAL SEXUAL ABUSE & MOLESTATION COVERAGE
Available Online Only

Sexual Abuse or Sexual Molestation Liability
OR
Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement

This program includes two options for coverage for claims arising out of sexual abuse or sexual molestation:

Option 1:
$1,000,000 of liability coverage for sums the insured becomes legally obligated to pay as damages because of loss arising out of any actual or threatened sexual abuse or sexual molestation. This limit is part of, not in addition to be, the general liability limit selected.

Option 2:
$100,000 of coverage for reimbursement of defense costs only resulting from claims arising out of abuse, molestation, harassment or sexual conduct.

Accident Insurance

EXCESS PARTICIPANT ACCIDENT MEDICAL EXPENSE BENEFIT

The Plan pays for covered medical expenses starting within 90 days from date of accident causing the injury, we will pay all covered expenses incurred within 3 years from such date, less the deductible (if any) and not to exceed the maximum benefit amounts.

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 Expense for covered Youth Activities (Ages 16 and under for Tackle Football and Ages 18 and under for Flag/Touch Football) is $250,000 with a $250 deductible.

Excess Provision

The Accident Medical 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 & Specific Loss Benefit

Aggregate Limit

The benefits for Accidental Death and Specific Loss benefit 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?

The Plan provides coverage while:

  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 that is directly supervised by the Plan Sponsor or one of its member organizations.

EXCLUSIONS AND LIMITATIONS
We will not pay for:

  1. the examination, prescription, purchase, or fitting of eyeglasses, contact lenses, or hearing aids;
  2. treatment by a person employed or retained by you or your subsidiaries or affiliates and for which no charge is normally made; or
  3. care or treatment by a person who ordinarily lives in the insured's home or is a parent, grandparent, spouse, brother, sister, or child of either the insured or the insured's spouse.
  4. intentional self destruction or an attempt at it, or intentional self inflicted injury while sane or insane (if a Missouri contract, while sane);
  5. war or an act of war, declared or undeclared; or
  6. air travel unless the insured is a passenger on a regularly scheduled flight of a properly licensed commercial airline.
  7. being intoxicated or under the influence of a narcotic unless it is administered on the advice of a doctor; and
  8. participation in a scheduled competitive event or meet by a person who is receiving benefits under the contract, unless he or she has a written statement from a doctor permitting such participation.

Terms of Coverage Afforded by Combined Plan

Coverage will begin the day after the completed enrollment form and premium are received and approved by us, or on a later date you specify. The policy term is provided for one year from the effective date.

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.

Apply and Pay Online or Download the Application

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.

Team Sports Combined Liability & Accident Insurance

For product or service related questions...

Call
Call Toll-free:

1 (800) 722 5676

Mail
Mail to:

NRPA Insurance

K&K Insurance Group, Inc.

P.O. Box 2338

Fort Wayne, IN  46801