Insurance

Ohio South Youth Soccer Association
Insurance Overview for 9/1/11 – 9/1/12

Ohio South Youth Soccer Association provides general liability and participant accident medical coverage for their member affiliates while conducting operations on behalf of Ohio South Youth Soccer Association.

General Liability

Who is Covered?
Ohio South Youth Soccer Association, its affiliated associations, leagues, clubs and all officers directors, coaches, employees, teams, team officials, and volunteers while acting on behalf of Ohio South Youth Soccer Association.

Insurance Carrier: National Casualty Company (A.M. Best rated “A+”)

Limits of Liability:
General Aggregate NONE (Unlimited)
Products/Completed Operations Aggregate $1,000,000
Personal and Advertising Injury $1,000,000
Each Occurrence $1,000,000
Damage to Premises Rented to You $300,000
Legal Liability to Athletic Participants $1,000,000
Sexual Abuse / Molestation per Occurrence $1,000,000
Sexual Abuse / Molestation Aggregate $2,000,000
Hired & Non-Owned Auto Liability $1,000,000
Medical Expense (to non-participants) $5,000

What is Covered?
· Liability for bodily injury or property damage to spectators, game participants, and to members of the general public for activities sanctioned by Ohio South Youth Soccer Association
· Liability for outdoor fields owned by affiliates for its sole use while acting on behalf as a member of the state association.
· Activities necessary or incidental to the conduct of practice, exhibition, post season and scheduled games.
· Liability for false arrest, detention or malicious prosecution, libel, slander, defamation of character, or wrongful eviction.
· Hired and non-owned auto, at a primary policy limit while being used in the business of the named insured. Excludes coverage for any driver transporting athletic participants.
· Products liability for food or drinks sold on premises.

Notable General Liability Exclusions:
· Standard ISO commercial general liability exclusions
· Property of others in the care, custody and control of the insured such as personal property of players, coaches, or parents
· Liability to pay Workers Compensation
· Amusement devices other than inflatable and dunk tanks

Certificate of Insurance:
Certificates of insurance will be issued upon request for all owner / lessor of premises, sponsors, and co-promoters. All other requests are subject to underwriting approval. Requests for certificates of insurance should be directed to Ohio South Youth Soccer Association.

Participant Accident Medical

Who is Covered?
Insured persons include all registered team members, coaches, managers, referees, officials, and volunteers of the team, league or association.

Covered Activities:
Insured persons are covered for injuries resulting directly and independently of all other causes from accidents occurring while participating in the following covered activities:

· Scheduled games, team practice sessions, tryouts or sponsored activities provided they are under the direct supervision of a team official; or sanctioned local or national tournaments as a member of a contestant team.
· Organized group travel under the supervision of a team official as authorized by the Policyholder directly to and from a covered event.

What Is Not Covered:
The plan does not provide coverage for:

· intentionally self-inflicted injury
· air travel except as a fare-paying passenger on a regularly scheduled airline on a scheduled flight
· injuries resulting from other than covered activities
· loss resulting from sickness or disease, except bacterial infection which occurs through an accidental wound

Insurance Carrier: National Union Fire Insurance Company (A.M. Best rated “A”)

Accident Medical Policy Limits:

The accident medical policy provides up to $100,000 for injuries sustained in a covered accident. Dental injuries are treated like any other injury. Payment will not be made for any expenses incurred after 104 weeks from the date of injury. An expense is considered incurred on the date the medical care is rendered. A $100 deductible applies to each accident and a physical therapy/chiropractic limit of $50 per visit/$2,000 maximum per injury applies.

Injury means bodily injury of an Insured Person resulting directly and independently of all other causes from an accident which occurs while he or she is participating in a covered activity. Sickness or disease (except pus forming infections which occur through an accidental cut or wound) of any kind will not be considered as bodily injury.

Excess Coverage:
The participant accident medical coverage is provided on an excess basis. This means that after the insured player or coach has been reimbursed for medical expenses by other insurance programs, and after the deductible has been satisfied, the Ohio South Youth Soccer Association plan will pay up to the maximum Medical Expense benefit for remaining treatment, service and supply expenses. These other programs include group, blanket or franchise health insurance coverage, group hospital or medical service plans, and prepayment coverage; any coverage under labor-management trustee plans, union welfare plans, employer organization plans, and coverage under any governmental programs, coverage required or provided by any statute, and automobile reparations insurance (no-fault) coverage.

Accident Medical Claim Procedures:
The accident medical claim form for accident dates can be completed online here.