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What’s Covered – What’s Not
Standard Youth Soccer Insurance Coverage
US Youth Soccer Risk Management Committee
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REMEMBER: Every policy is individual – know your policy!individual – know your policy!
This presentation is only a representation of “standard” coverage and may not accurately
reflect the insurance in your State Assn.
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General Liability Policy
• Provides legal liability protection for the State Association and Member Leagues, Clubs, Players, Coaches, Volunteers, Clubs, Players, Coaches, Volunteers, Officials, Directors, Officers, Employees and Referees
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General Liability Policy
• Typical covered sanctioned activities:
– Games
– Tryouts
– Practices
– Tournaments
– Fund Raising Activities
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General Liability Policy
• Typical Covered Incidents Include:
– Liability for player injuries (unsecured goals, – 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
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General Liability Policy
• Typical Covered Incidents Include:
– Sexual abuse & molestation – including – 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.
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Typical Policy Limits
1 million per occurrence1 million per occurrence
5 million policy aggregate
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General Liability Insurance
What’s NOT Covered
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General Liability Policy
• You are NOT covered for:
– Punitive or exemplary damages (punishment)
– Fines, penalties or sanctions imposed by law (or their defense costs)
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General Liability Policy
• Automobile Use Is NOT covered for:
– Liability coverage to a coach, parent, volunteer or referee who is driving players to 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.
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Excess Accident Medical Policy
• Provides excess accident medical coverage to registered players, officials, coaches, administrators, managers, coaches, administrators, managers, volunteers, ODP administrators
• Non-registered players participating in scheduled tryouts
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Typical Limits of Liability
$100,000 per accident
Benefit period of 2 yrs. from date of accident
Secondary to Other Coverage. Can have Deductible.
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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.
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Excess Accident Medical Policy
What’s NOT Covered
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Excess Accident Medical Policy
• What is NOT Covered:
– Treatment of teeth – except treatment for an injury to natural teethinjury 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
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Excess Accident Medical Policy
• What is NOT Covered:
– Insured who is intoxicated or under the – Insured who is intoxicated or under the influence
– Suicide, attempted suicide, intentional self injury
– Participation in a riot
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Non-Profit (D&O) Liability
• Typical Covered Incidents Include:
– Wrongful acts, errors and omissions – 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)
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Typical Policy Limits
2 million in aggregate2 million in aggregate
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Non-Profit (D&O) Liability
What’s NOT Covered
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Non-Profit (D&O) Liability
• What Is NOT covered:
– Insured v. insured incidents (Example: Club – Insured v. insured incidents (Example: Club suing State Association)
– Sexual Abuse/Molestation (Covered under General Liability)
– Prior Knowledge exclusion
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Non-Profit (D&O) Liability
• What Is NOT covered:
– Watch for “cost to defend” being included in – 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
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REMEMBER: Every policy is individual – know your policy!individual – know your policy!
Talk to your insurance company for additional coverage for exclusions/gaps
or to raise limits on your policies.
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