NRPA Football Insurance

Description of Benefits

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 
• Limitations for neurodegenerative injuries may apply

Exclusions

• Communicable Disease 
• 24-Hour premises liability 
• Aircraft/hot air balloon 
• Airport 
• Animals 
• All operations listed as ineligible 
• Asbestos Exclusion 
• Amusement devices (e.g.: 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* 
• Nuclear Energy Exclusion 
• Transportation of athletes 
• Cryogenic chambers/therapy 
• Operation, ownership or management of any athletic facility or field, other than while being used for covered activities 
• Operations of independent concessionaires/vendors in conjunction with your organization 
• Events involving gambling (ie:  bingo, casino nights, poker, Texas hold’em tournaments) 
• Events where alcohol is furnished or served by you, your employees or your “volunteer workers" 
• Carnivals/Festivals

Medical Payments for Participants benefit

This coverage is provided under the general liability policy and extends coverage for eligible medical and dental expenses incurred by a player/participant while participating in your covered sports activities. The coverage is provided on an excess basis responding after all other medical coverage available to the participant has been exhausted. If no other coverage exists, the coverage becomes primary subject to the stated deductible. The benefit period for this coverage is two years from the date of the accident. 

Option #1

• Commercial General Liability 
• $1,000,000 General Liability/$1,000,000 Participant Liability 
• Bodily Injury Liability 
• Property Damage Liability 
• Personal Liability 
• Products Liability 
• Medical Payments for Participants $250,000 ($250 Deductible)

Option #2

• Commercial General Liability $2,000,000 General Liability / $2,000,000 Participant Legal Liability 
• Bodily Injury Liability 
• Property Damage Liability 
• Personal Liability 
• Products Liability 
• Medical Payments for Participants $250,000 ($250 Deductible) 

Note: Limitations for neurodegenerative injury may apply if coverage is selected. 

• Terms of Coverage Afforded by Combined Plan
• Coverage will become effective the day following the date the application and payment are mailed to K&K Insurance (as shown on the postmark), whichever is later.

Liability Insurance policies are provided by AIG Specialty Insurance Company (surplus lines) - Rated "A" by AM Best Company.