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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.
What insurance benefits does my
NFHS Officials Association Membership provide?
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 officials must be currently
registered with a member state
association, or with an affiliate of the
NFHS (if that association registers
officials), in order to be eligible for
the NFHS Officials Association insurance
benefit.
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| State and local officials’
associations that have 100% membership
in the NFHS Officials Association are
included as additional insureds under
the general liability policy.
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| Assignors, instructors and rule
interpreters who are currently
registered with the NFOA are covered
under the liability insurance for claims
involving Bodily Injury or Property
Damage. No liability coverage is
provided for claims that do not involve
Bodily Injury or Property Damage.
****NOTE:
Coverage for alleged wrongful acts not
involving Bodily Injury or Property
Damage is provided by a Directors and
Officers liability insurance policy and
can be purchased separately. See
"Optional Insurance Coverages". |
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What Activities are Covered?
Members of the NFHS Officials Association are
covered for the following activities under the
insurance plan:
| The insurance coverage applies only
while the member official is performing
his/her officiating duties (as defined
below) during regularly scheduled sports
or activities competitions.
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| In order for a member to be covered
for his/her officiating, the
sport/activity must be recognized in
that state (or US territory or
possession) by the member state high
school association, or by high schools
that follow the guidelines of the member
state associations.
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| If the sport is recognized for
either men or women in that state,
territory or possession, the official
will be covered for officiating that
sport for both men and women.
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| Officiating duties also include
chain crews and attending officiating
camps, clinics and meetings.
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| Coverage for officials is not
limited to high school activities. It
also extends to officiating college,
junior college, independent youth, adult
and recreational leagues. Coverage is
limited only to officiating sports that
are recognized by that state’s high
school association.
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| No coverage is provided for the
officiating or management of any
professional sport or activity.
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| Direct Travel to and from Sponsored
Activity.
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| Assignors, instructors and rule
interpreters while acting in their
official capacity.
****NOTE:
No liability coverage is provided for
claims that do not involve Bodily Injury
or Property Damage. See "Who Is Covered"
above. |
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What is the Coverage Territory?
The general liability and accident policies protect
the members while in the United States, its
territories and possessions; and while temporarily
performing covered activities outside the United
States. If outside the US, the official is covered
as long as the sport is recognized by one of the
state high school associations or an NFHS affiliate
association.
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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
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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:
Many officials are required to show proof of
liability insurance in order to perform their duties
as an official. 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.
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Accident Medical Insurance Policy
Limits |
$ 50,000 Accident
Medical/Dental Limit - per injury
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| $ 500 Deductible -
per injury |
| $ 2000 Limit for
Physical Therapy and Chiropractic Treatment,
$50 per visit |
| $ 2,500 Accidental
Death & Dismemberment Benefit
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52 Week Benefit
Period
Full Excess Coverage
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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.
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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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