Revised: March 31, 2019 (A printable summary of the insurance benefits is available at this link.)
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||$ 2,000,000|
|Participant Legal Liability||$ 2,000,000|
|Products/Comp. Ops. Agg. Limit||$ 2,000,000|
|Personal & Advertising Injury||$ 2,000,000|
|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||$ 2,000,000|
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:
Relation Insurance Services
9225 Indian Creek Parkway, Ste. 700
Overland Park, KS 66210
913-754-5605 direct line
Question: 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.
Question: 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.
Question: If an official is officiating a conference game and is wearing the conference badge, are they covered by NISOA’s insurance.
Answer: If that official is a member of NISOA and a member in good standing, that official will be covered under our policy.
Question: Our chapter needs to provide proof of insurance. How do we get it?
Answer: Contact Sandy McDowell at 913-754-5605.
Question: I am a NASO member. They provide insurance which is equivalent to NISOA’s insurance, right?
Answer: You should know the advantages NISOA insurance provides in comparison to NASO coverage;
- Individual coverage: While both policies have identical general liability limits for each occurrence (or claim) at $1 Million; NISOA’s insurance has no limit when it comes to General Aggregate Limit; whereas NASO has a General Aggregate Limit of $5 Million.
Simple terms: Once the multiple claims (no more than $1 Million per claim) hit a total of $5 Million for NASO, the official will need to come out of pocket for the additional amount. Remember, NASO insures officials of all sports and all levels. Are you willing to risk not being fully covered because of claims placed by football or lacrosse officials? NISOA has no general aggregate limit so no matter the total dollar amount of the multiple claims (No more than $1Million per claim), our insurance plan will cover that amount. This is an extremely rare coverage in the current liability insurance marketplace.
- Assignor Insurance: NISOA insurance for assignor liability coverage is far superior than NASO. NISOA has a $1 Million coverage for each claim with an aggregate of $5 Million. NASO has a $50K annual aggregate per official for the assignor.
Simple terms: If a claim is filed against an official and the assignor is included in the claim (which is highly likely since it’s common to include all parties involved with an official), Under NASO insurance, once that amount reaches $50K per official, the Assignor will be required to pay out of pocket for the remainder of the expenses. Under the NISOA insurance, the assignor is covered for up to $1 Million for each claim and up to $5 Million total before they have to pay out of pocket.
Unless the liability claims are under $50K each (Which is HIGHLY UNLIKELY); then our assignor liability insurance is FAR SUPERIOR when compared NASO coverage because we offer $1Million per claim up to $5 Million cap. When medical bills and lawyers are involved, expenses will easily surpass $50K per claim.
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.