NFHS Music 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 Music 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?

All music teachers and directors who join the NFHS Music Association are eligible for the NFHS membership insurance benefit and are covered based on the specified parameters listed below:

• State and local associations that have 100% membership in the NFHS Music Association are included as additional insureds under the general liability policy.
• Members are covered during an interscholastic music contest or festival whether such event occurs before, during or after the school day.
• Members are covered while conducting a school sponsored clinic with an interscholastic music group, whether such clinic occurs before, during or after the school day.
• Members are covered while judging at an interscholastic music contest or festival before, during or after the school day.
• Members are covered while attending a national, state or local music association conference or meeting before, during or after the school day.
• Members are covered while serving as an interscholastic music contest or festival manager before, during or after the school day.
• Members are covered while teaching school sponsored music groups or individuals both before and after the school day (as an extra-curricular activity) but not during the school day (as a curricular activity).
• Members are not covered while performing their regular teaching duties during the school day.
• Members are covered while teaching private, school sponsored lessons before, during and after the school day provided the school sanctions and/or authorizes the private lesson program and the lessons are taught on-site on school property.
• Members are not covered while teaching private, non-school sponsored lessons.
• Group Travel: Members are covered during school sponsored travel as a group to and from covered activities (normally by bus or van). However, individual travel from the member's place of residence to the school or to the site of the function, or the return trip from school or site of the function to their place of residence is not covered by the policy.

What is the Coverage Territory?

The general liability and accident policies protect the member teachers while in the United States, its territories and possessions. Coverage also applies while teaching temporarily outside the US.

When is the Insurance Plan effective?

The general liability and accident policies cover member teacherss 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 Music 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.

CERTIFICATE OF INSURANCE

Certificate of Insurance:

Many members of the Music Association are required to show proof of liability insurance in order to perform their duties. 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 Music 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.