NFHS Coaches Association Insurance Summary

Plan Administrator - General Information

The NFHS Insurance Program is administered by Bollinger, Inc. Bollinger is the 10th largest privately held insurance agency in the US. For over 60 years, Bollinger has specialized in providing insurance to athletes and sports organizations. From National Governing Bodies (NGB’s), to national, regional and state sports organizations, and all the way down to local community sports associations, Bollinger provides protection to over four million athletes across the country.

For Insurance questions, please contact:
NOTE: For Membership questions, please call the NFHS at (317) 972-6900.

Insurance Company - General Information

Markel Insurance Company

Markel underwrites the Accident and Liability programs that make up an important part of the benefit of membership in the NFHS. Markel is rated “A” (Excellent) by A.M. Best’s rating service. Markel has a strong history and reputation in such specialty areas as Sports, Recreation and School insurance products.

Insurance Program General Description

What insurance benefits are provided by my NFHS Coaches Association Membership?

Your membership in one of the NFHS’s Professional Associations includes a package of insurance providing you with general liability, accident medical and accidental death and dismemberment insurance. These coverages are automatically provided to you as part of your membership dues. There is no additional fee for this insurance program.

Who is covered?

• State Coaches’ associations that have 100% membership in the NFHS Coaches Association are included as additional insureds under the general liability policy.

What Activities are Covered?

Members of the NFHS Coaches Association are covered for the following activities under the insurance plan:

• The insurance applies only for losses or claims resulting from the coaching or instructing of organized sport or activity programs.  NOTE: With regard to camps, clinics and tournaments, coverage is provided to the coach only with respect to his/her coaching or instructional duties. No coverage applies to the organization, operation or sponsorship of camps, clinics or tournaments; nor does coverage extend to the participants of such events. For more information on insuring camps, clinics and tournaments, please click on Camps, Clinics and Tournaments, or contact Bollinger.

• This insurance does not cover the coaches for classroom activities that are part of their employment as school coaches.

• Such coaching or instruction must take place in the US or in a US territory or possession where such sport or activity is recognized by the member State High School Association or by high schools that follow the guidelines of the member state association (or NFHS Affiliate Association in US territories and possessions).

• If a sport or activity is recognized for either boys or girls in that state, territory or possession, the coach will be covered for coaching or instructing both boys and girls. Participants must be 19 years of age or younger, or must follow the guidelines of their respective member State High School Association.

• Coverage applies to strength coaches, but only for school activities for which the coach is employed by a member school of a State High School Association (or, if within a US territory or possession, by an NFHS Affiliate Association). The athletes must be students at the school and participate in a sport that is recognized for high school participation.

• Coverage is not limited to high school activities. It can also apply to youth or recreational leagues and college coaching; however, the sport must be recognized for high school participation by the State High School Association (or, if within a US territory or possession, by an NFHS Affiliate Association).

• No coverage is provided for the coaching or managing of any professional sport or activity.

What is the Coverage Territory?

The general liability and accident policies protect the member coaches while in the United States, its territories and possessions. Coverage also applies while coaching temporarily outside the US as long as the sport is recognized by one of the State High School Associations or NFHS Affiliate Associations.

When is the Insurance Plan effective?

The general liability and accident policies cover member coaches during their Individual Membership period. The membership period is one calendar year from the date the properly completed application and appropriate fees are received by the NFHS.

NFHS Coaches Association General Liability Insurance Summary

General Liability Insurance Policy Limits

$ 5,000,000 Aggregate Limit $ 1,000,000 Per Occurrence Limit (includes Participants Liability) $ 1,000,000 Products/Completed Operations Aggregate $ 1,000,000 Personal Injury/Advertising Injury Limit $ 100,000 Fire Legal Liability Limit $ 5,000 Medical Payments (to non-participants only) $ 0 Deductible

What is Covered?

The general liability policy provides coverage for claims or lawsuits that arise out of bodily injury or property damage during a covered activity. The policy also provides coverage for claims arising out of participant’s legal liability, personal injury, advertising injury and products or completed operations liability. Defense costs are included in the limit of coverage provided. This coverage is excess over any other valid and collectible insurance.

Notable Exclusions:

The standard commercial general liability exclusions apply (such as War, Nuclear Energy, Absolute Pollution, Asbestos); in addition, the policy excludes coverage for abuse and molestation, the use of fireworks, and no liability coverage is provided to any member while driving any auto.

Insurance Company:

The General Liability is underwritten by Markel Insurance Company, Glen Allen, VA. Markel is rated “A” (Excellent) by A.M. Best’s rating service.

NFHS Coaches Association Umbrella Liability Insurance Summary

Umbrella Liability Coverage
Limit	$ 1,000,000
Retention (Deductible)	$ 10,000
Coverage is limited to the Liability of Certified Coaches.

CERTIFICATE OF INSURANCE

Certificate of Insurance:

Many coaches are required to show proof of liability insurance in order to perform their duties as a coach. By clicking here, you will be able to request a current certificate of liability insurance that, in conjunction with your current NFHS membership, will demonstrate that you are covered by the NFHS Insurance program.

NFHS Coaches Association Accident Insurance Coverage Summary

Accident Medical Insurance Policy Limits	$ 50,000 Accident Medical/Dental Limit - per injury
	$ 250 Deductible - per injury
	$ 2000 Limit for Physical Therapy and Chiropractic Treatment, $50 per visit
	$ 2,500 Accidental Death & Dismemberment Benefit
	52 Week Benefit Period Full Excess Coverage

What is Covered?

Members are insured for accidental injuries they incur during covered coaching or instructing activities. The policy also provides coverage for direct travel to and from covered activities. This policy is excess over any other valid and collectible insurance, employee benefit program, employee welfare program or governmental benefit or welfare plan. The policy pays the reasonable and customary medical, dental, hospital and nursing expenses incurred as a result of a covered accident.

Notable Exclusions:

No benefits will be paid for a loss caused by or resulting in the following:

Service or treatment rendered by a doctor or any other person employed or retained by the Policyholder; Eyeglasses or contact lenses or prescriptions; Hernia unless it results from a covered injury; Injury covered by worker's compensation or similar legislation, or automobile no-fault law; Any sickness or bodily sickness; Air travel, except on a commercial aircraft operating on a regularly scheduled passenger route; or Injury received as a consequence of the injured party's intoxication (alcohol or drug related), as defined by the laws of the jurisdiction where the loss occurred. Insurance Company: The Accident Insurance is underwritten by Markel Insurance Company, Glen Allen, VA. Markel is rated “A” (Excellent) by A.M. Best’s rating service.