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Camp, Clinic, Tournament Insurance
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 Rates  |  Limits of Coverages  |  Frequently Asked Questions  | How To Purchase Insurance

 

 

Rates:

 

Days Rates per Participant
1 Day
$2.00
2 Days
$2.80
3 Days
$3.80
4 Days
$4.80
5 Days
$5.80

 etc.


 Limits of Coverage:

 

 COVERAGES LIMITS
 General Aggregate Limit  NONE
 Products - Completed Operations (Aggregate)  $1,000,000
 Personal and Advertising Injury
 $1,000,000
 Each Occurrence Limit
 $1,000,000
 Damage to Premises Rented to You
 $300,000
 Medical Expense (Premises)
 $5,000
 Sexual Abuse & Molestation Occurrence
 $1,000,000
 Sexual Abuse & Molestation Aggregate
 $2,000,000

 

 
The NHSCA currently covers 33 sports and activities in 43 different states which are: Archery, Baseball, Basketball, Boating, Bowling, Cheerleading, Cross Country, Dance, Distance Running, Field Hockey, Flag Football, Football, Golf, Hiking, Hockey, Ice Hockey, Lacrosse, Outdoor Activities, Pom Squad, Running, Skiing, Soccer, Softball, Strength & Conditioning, Swimming, Tennis, Track & Field, Triathlon, Volleyball, Walking, Water Polo, and Wrestling.

 

 

 

Frequently Asked Questions:

 

DEFINITION OF OCCURRENCE / GENERAL AGGREGATE?

An "OCCURRENCE” is the accident that produced the Bodily Injury or Property Damage to one or more claimants. The most the insurer will pay for a single "OCCURRENCE” is $1,000,000. An aggregate limit is the maximum dollar amount your insurer will pay to settle your claims. Often the limit is referred to as an annual aggregate limit, which is just the total amount your insurer will pay in a single Policy Period. EXAMPLE: If there is a GENERAL AGGREGATE limit of $2,000,000 and there were THREE $1,000,000 Separate OCCURRENCES, the maximum payout would be $2,000,000. This would also exhaust the Policy Limit. However, with the GENERAL AGGREGATE Limit as "NONE” the same payout would be $3,000,000 and the policy limit would NOT be exhausted. This is an added benefit for being a member of the National High School Coaches Association (NHSCA). 

 

WHAT IS GENERAL LIABILITY COVERAGE?

Often referred to as CGL, Commercial General Liability this policy provides broad protection for situations in which a business (i.e. your special event) must defend itself against lawsuits or pay damages for personal injury or property damage to third parties.  This policy also gives protection to the venue and or sponsors of the event by adding them to the policy as an additional insured. Examples such as a slip and fall or damaged floors are covered by such a policy. 

 

I HAVE BEEN ASKED BY THE FACILITY THAT I HAVING MY EVENT TO ADD THEM AS AN "ADDITIONAL INSURED" TO MY POLICY.  WHAT DOES THIS MEAN AND HOW DO I DO THAT?

An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments. You can add an entity as an additional insured under the certificate request section of the enrollment form. Please remember to provide their complete name, address and relationship to you. All requests must be in writing.

 

IS SEXUAL ABUSE AND MOLESTATION COVERAGE AVAILABLE?

Yes, Under the NHSCA Program, this coverage is included in the premium for NO additional Charge. The limits are $1,000,000 per Occurrence/ $2,000,000 Aggregate. Another benefit of being a member of the NHSCA.

 

WHAT IS PARTICIPANT LEGAL LIABILITY?

Participant Legal Liability (PLL) is coverage for when the participant claims the sponsor to be at fault (negligent) for an injury. Other programs DO not offer coverage for this Liability. 

 

HOW SOON DOES MY COVERAGE START? WHEN WILL I RECEIVE PROOF OF COVERAGE?

Coverage can be bound once we receive a completed enrollment form and the appropriate premium. The effective date of coverage can either be the first day of set-up or the first day of your event. If your tournament or event has already begun, coverage will be bound and become effective the following day. We request that adequate time is allowed for us to process your enrollment form and issue certificates. 

 

WILL I RECEIVE A POLICY AFTER I SUBMIT THE ENROLLMENT FORM?

You will receive a certificate of insurance as proof of coverage via email once your request is processed. Coverage is offered exclusively through the National High School Coaches Association (NHSCA). The NHSCA receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the NHSCA. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each enrolled member–there are no shared limits of liability with any other members. A copy of the NHSCA master policy can be requested in writing to Mattie Potter, NHSCA, One South Third Street, Eighth Floor, Easton, PA 18042. 

 

WHO IS A PARTICIPANT?

A participant means any person who is instructing, supervising, training or practicing for, participating in or otherwise involved in any athletic activity, physical exercise, or games, sports, athletic contest, of exhibition that you operate or sponsor.

 

HOW DO I CALCULATE THE PREMIUM?

Premium is based on the actual number of participants enrolled at the Camp/Clinic/Tournament. Multiply the number of Participants times the Rate for the Number of days and that is your premium for the event.

i.e: 50 Participants for a 3 day event. 50 X (the 3 day rate of $3.80) = $190.00. 

 

IS THERE A MINIMUM COST ASSOCIATED WITH THIS PROGRAM?

Yes, there is a $150 minimum fee per certificate of insurance as of January 1, 2015.
Please Note: The minimum will be raised to $175 beginning January 1, 2016.

 

 

 

WHAT IS THE PROCESSING TIME FAME? CAN I GET A SAME DAY CERTIFICATE?

The typically processing time is 24-48 hours after submission of your form. At this time, same day certificates are not available. All forms must be sent 2 business days prior to ensure the coverage of their upcoming event (camp, clinic, or tournament).

 

 

 

WHAT METHODS OF PAYMENT DO YOU ACCEPT?

We accept credit or debit cards with the following: MasterCard, Visa, Discover, American Express.  You can also be invoiced upon request.  There is a 30 day window to mail a check or money order.  If payment is not received in full during this time frame, you will be charged in full.

 

WHAT IS YOUR CANCELLATION/REFUND POLICY?

We understand that emergencies occur. For these reasons, if your request to cancel is provided in writing (via email to MPotter@nhsca.com) 48 hours prior to the covered event, you will not be charged a cancellation fee.  If you do not alert the NHSCA of a cancellation in the time frame, you will be charged the $175.00 minimum fee. 

 

 

HOW TO PURCHASE INSURANCE:

1. Be a current member of the NHSCA.

2. Download and fill out the form below completely! A credit card must be on file in order to process.

3. Email the attachment to Potter@nhsca.com or fax to (610) 923-0800

Click Here to download the Camp, Clinic, and Tournament form.

**Be sure to submit insurance request at least 2 business days prior to the start of your camp, clinic, or tournament to ensure coverage**

4. Your certificate of insurance will be emailed to you upon completion.

5. Once your event begins, you will submit your participant list - fax or email - and be charged accordingly.

 

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One South Third Street
Suite 812
Easton, PA 18042

(610) 923-0900
Email: info@nhsca.com

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