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:
| John Spiotta, Senior
Vice President |
| Brenda Lodato, Asst.
Vice President |
| Claims questions: please call 1-866-267-0093 to speak
with a Claims Representative. |
**** 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.
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.
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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.
|
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.
| Umbrella Liability Coverage
|
|
| Limit |
$ 1,000,000 |
| Retention (Deductible) |
$ 10,000 |
Coverage is limited to the Liability of
Certified Coaches. To be considered a certified coach for
these insurance purposes, a coach shall have completed the
NFHS Fundamentals of Coaching and First Aid for Coaches
courses. These courses can be accessed by going to
www.nfhslearn.com
|
Certificate of Insurance: Many coaches are required to show proof
of liability insurance in order to perform their duties as a coach. By clicking above, 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.
|
Accident Medical Insurance Policy Limits |
$ 50,000 Accident Medical/Dental Limit
- per injury |
| $ 500 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.
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