A major benefit of membership in NISOA is that each registered, dues paying member is provided a personal general liability insurance coverage. If any official, assessor, assignor or instructor is an LLC, this policy will not respond to protect the business. This is strictly a personal liability policy that protects the official, assessor, assignor or instructor. The following will explain who is covered, outline the protection provided and inform how to file a claim should the need occur.
Who is covered?
All intercollegiate soccer officials and interscholastic officials, assessors, assignors and instructors who are registered members of NISOA are covered.
In addition, the NISOA Assignors have a separate Professional Liability policy that is different from the General Liability coverage. The professional liability policy is for errors and omissions to protect the assignor when a claim is made regarding how assignments are made or problems with assignments.
What activities are covered?
A liability insurance policy must clearly express the insurers intention to cover liability claims. The insurer will pay those sums that an insured is legally obligated to pay as damages because of Bodily Injury or Property Damage to which this policy applies. The insurer will have the right and duty to defend any lawsuit seeking those damages.
The NISOA policy covers the activities administered by the Association and/or its members while performing his/her duties as a soccer Official, Assignor or Assessor in an organized league, which includes practice and games, and also in their related capacity in clinics and camps run by or at the request of The National Association.
What are the Limits of General Liability?
|General Aggregate Liability||$ None|
|General Liability||$ 1,000,000|
|Participant Legal Liability||$ 1,000,000|
|Products/Comp. Ops. Agg. Limit||$ 1,000,000|
|Personal & Advertising Injury||$ 1,000,000|
|Fire Legal Liability||$ 300,000|
|Medical Payments to Spectators||$ 5,000|
This coverage is excess over any other type of liability insurance an official has in place on his/her own. Coverage is Per Occurrence basis and is underwritten by National Casualty Insurance Company, an A.M. Best “A+” rated carrier. Coverage term is on an annual basis.
The professional liability/errors & omissions limits for the Assignors are as follows:
|Each Claim||$ 1,000,000|
|Annual Aggregate||$ 1,000,000|
How do I file a claim?
In the unfortunate event that a NISOA member is involved in a lawsuit or a legal claim is made against him/her, while he/she is officiating or acting on behalf of the Association, a notification must be made to the insurance representative immediately. All documents and relative information should be forwarded to:
9225 Indian Creek Parkway, Ste. 700
Overland Park, KS 66210
913.754-5605 direct line
One question consistently is asked and the carriers position is officially documented. Three officials are assigned to a game and 2 of the referees are NISOA members and the 3rd one is not, does coverage apply in case of a lawsuit?
Answer: If all three officials are named in the suit, only the 2 NISOA officials will be covered under this coverage. The 3rd official will not as he/she is not a member of NISOA.
Officials are assigned to a game consisting of a college team vs an MLS team. If lawsuit ensues, are the referees covered under our policy?
Answer: The carriers position is if assigned to the game by NISOA assignor, then yes, coverage would apply. However, if the assignor is not a NISOA member, then this would not be considered to be within the scope of coverage. The key wording is the covered activities are only those administered by the Association or its members. The carrier does not delineate between the different levels of competitors.
What does General Aggregate mean?
Answer: Under the Limits of General Liability, General Aggregate Liability states None. The General Aggregate Limit – The maximum amount the insurer will pay during the policy period for all damages including bodily injury, property damage, personal and advertising injury. This means there is no cap on the policy. Each incident/lawsuit will pay $1,000,000 and we could have 4, 6 or 8 awards for a million each. Under the Professional Liability/Errors & Omissions, there is a cap of $1,000,000. Meaning if there are 2 lawsuits and each is awarded $500,000 or less, all is well, but it is conceivable for a single claim to exceed the million aggregate limit in today’s society.
Disclaimer: This explanation is not a policy and does not contain all of the terms, conditions, provisions and exclusions that are common within insurance contracts of this nature. The policy is the contract and this does not provide any warranties as expressed or implied.