1. NFHS Performing Arts Conference Chicago, IL Mindee Holmes Dissinger Reed Tuesday, September 18, 2018

2. Who is Dissinger Reed?
We have specialized in high school athletics and activities since 1982
We represent the NFHS and 26 individual states

3. NFHS Insurance Program
Coaches Association
8,122
Music Association
1,005
Speech/Debate/Theatre
1,476
Stunt/Cheer/Spirit
Included
Officials
127,050
NFHS Staff 40
NFHS Staff (Intern/Seasonal) 2
NFHS Board 12
NFHS Foundation Board 8
Total
137,715

4. NFHS Insurance Program General Liability
Covered Activities: Liability coverage for claims brought by third parties for allegations of negligence while in the course and scope of the insured members duties during a covered activity/event. The sport/activity must be recognized by the NFHS and/or its members. Office Premise Liability is included. Classroom (curricular) activities and professional sports or activities are excluded.

5. NFHS Insurance Program General Liability
Policy
General Aggregate Limit
$5,000,000
Products-Completed Operations Aggregate Limit
Each Occurrence Limit
$2,000,000
Personal and Advertising Injury Limit
Damage to Premises Rented to You
$500,000
Premises Medical Payments
$5,000
Sexual Abuse & Molestation – Each Occurrence
$1,000,000
Sexual Abuse & Molestation – Aggregate
Participant Legal Liability
Included
Crisis Response – Each Crisis Event/Aggregate
$25,000
Employee Benefit Liability – Deductible
$1,000
Employee Benefit Liability – Each Claim
Employee Benefit Liability – Aggregate
$3,000,000
Continuous or Progressive Injury or Damage
Excluded

6. NFHS Insurance Program Accident Insurance
Covered Activities: Insured persons are covered for injury resulting from an accident which occurs directly from:
Activities that are scheduled, sponsored, or supervised by the policyholder;
Premises owned, leased or borrowed by the policyholder;
Travel scheduled, sponsored or supervised by the policyholder;

7. NFHS Insurance Program Accident Insurance
Accident Medical Expense Benefit
Maximum Benefit
$50,000
Benefit Period
1 Year
Deductible
$250
Maximum Dental Limit
Included In Medical Max
Heart & Circulatory Maximum Benefit
$2,500
Malfunction Benefit
10%
Physical Therapy/Chiropractic – per Visit/Maximum per Injury
$50/$2,000
Durable Medical Equipment – Maximum per Injury
$1,000
Outpatient Prescriptions – Maximums per Injury
Accidental Death & Dismemberment Benefit
$10,000

8. What Could Go Wrong?

9. What Could Go Wrong?

10. What Could Go Wrong?

11. Thank you!