2. What’s Covered – What’s Not Standard Youth Soccer Insurance Coverage US Youth Soccer Risk Management Committee

3. REMEMBER: Every policy is individual – know your policy! This presentation is only a representation of “standard” coverage and may not accurately reflect the insurance in your State Assn.

4. General Liability Policy Provides legal liability protection for the State Association and Member Leagues, Clubs, Players, Coaches, Volunteers, Officials, Directors, Officers, Employees and Referees

5. General Liability Policy Typical covered sanctioned activities: –Games –Tryouts –Practices –Tournaments –Fund Raising Activities

6. General Liability Policy Typical Covered Incidents Include: –Liability for player injuries (unsecured goals, field obstructions, rough play) –Third party property damage caused by negligent use of premises –Trips, falls by spectators attending sanctioned activities – even getting hit by that tournament golf cart

7. General Liability Policy Typical Covered Incidents Include: –Sexual abuse & molestation – including coach/player liaison situations –Hired/Non-Owned auto coverage – primary for rented autos and excess over non-owned auto. Example: Tournament volunteer picking up tournament supplies or Board Member using rented auto to attend a convention.

8. Typical Policy Limits 1 million per occurrence 5 million policy aggregate

9. General Liability Insurance What’s NOT Covered

10. General Liability Policy You are NOT covered for: –Punitive or exemplary damages (punishment) –Fines, penalties or sanctions imposed by law (or their defense costs)

11. General Liability Policy Automobile Use Is NOT covered for: –Liability coverage to a coach, parent, volunteer or referee who is driving players to and from a soccer event –Physical damage to vehicle –All coverage is secondary. The vehicle owner’s auto insurance will respond to any claim first.

12. Excess Accident Medical Policy Provides excess accident medical coverage to registered players, officials, coaches, administrators, managers, volunteers, ODP administrators Non-registered players participating in scheduled tryouts

13. Typical Limits of Liability $100,000 per accident Benefit period of 2 yrs. from date of accident Secondary to Other Coverage. Can have Deductible.

14. Excess Accident Medical Policy Typical Coverage Includes: –Coverage of medical expenses for injuries –Doctors, office visits, hospitalization, therapy, etc. are covered –Necessary medications, medical appliances required for treatment Coverage becomes primary when other insurance coverage is not available.

15. Excess Accident Medical Policy What’s NOT Covered

16. Excess Accident Medical Policy What is NOT Covered: –Treatment of teeth – except treatment for an injury to natural teeth –Eyeglasses, hearing aids and the examination for fitting them Watch for policies with sub-limits for physical therapy and/or prescription drugs

17. Excess Accident Medical Policy What is NOT Covered: –Insured who is intoxicated or under the influence –Suicide, attempted suicide, intentional self injury –Participation in a riot

18. Non-Profit (D&O) Liability Typical Covered Incidents Include: –Wrongful acts, errors and omissions committed in governance of the organization – Discrimination charges –Negligent hiring or termination –Eligibility matters (Example: player does not make select team)

19. Typical Policy Limits 2 million in aggregate

20. Non-Profit (D&O) Liability What’s NOT Covered

21. Non-Profit (D&O) Liability What Is NOT covered: –Insured v. insured incidents (Example: Club suing State Association) – Sexual Abuse/Molestation (Covered under General Liability) –Prior Knowledge exclusion

22. Non-Profit (D&O) Liability What Is NOT covered: –Watch for “cost to defend” being included in policy limit. (Example: If a lawsuit costs $250,000 to defend, only $750,000 would be left for payment of the award.) –Aggregate policy can mean that one claim depletes all available coverage

23. REMEMBER: Every policy is individual – know your policy! Talk to your insurance company for additional coverage for exclusions/gaps or to raise limits on your policies.