Team Sports
Combined Liability and Accident Coverage

Class B Sports (such as soccer, wrestling, hockey, and lacrosse) have the option to include limited coverage for brain injuries. If you include the coverage, the limit for brain injury will be limited to:

"Brain Injury" means concussion, chronic traumatic encephalopathy or any other injury to the brain and any symptoms, conditions, disorders and diseases, including death, resulting therefrom but only if such injury occurs as a result of specific events occurring during the policy period.

• 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 (*Option to purchase SAM coverage available online.)
• Nuclear Energy Exclusion
• Transportation of athletes
• Events involving gambling (ie: bingo, Texas hold'em Tournaments)
• Event where alcohol is furnished or served by you, your employees, or your "volunteer workers"
• Operations of independent concessionaires/vendors in conjunction with your organization
• Carnivals/festivals

The Accident Medical is payable in excess of all other valid and collectable group insurance (Examples: Major Medical Plans, Automobile Medical Policies and HMO Plans).

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 180 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 complete 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. 

If more than one loss occurs from one accident only one amount, the larger, will be paid. 

Aggregate Limit of Liability

The Aggregate Limit shown in the Schedule of Benefits is the maximum amount payable by Us for all Claims incurred for all Insureds under the Policy which are caused by any one Incident that occurs when the Policy is in force. If this limit is not sufficient to pay the total of all such Claims, then the Benefit payable to any one Insured will be determined in proportion to our total aggregate limit of liability. 

• All participants involved in tryouts as well as all participants whose names are registered as eligible team members with the insured league or conference.  In addition to the registered participants, the plan will cover coaches, trainers, managers, volunteers, umpires and referees while acting in their official capacities.

The Plan provides coverage while:

• Participating in scheduled games and practice sessions (must be supervised by NRPA league/conference/association or an adult member of that league/conference/association)
• Participating in occasional fund raising events
• 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.

Click here for a list of exclusions.