Rates | Limits of Coverages | Frequently Asked Questions | How To Purchase Insurance
||Rates per Participant
Limits of Coverage:
| General Aggregate Limit
| Products - Completed Operations (Aggregate)
| Personal and Advertising Injury
| Each Occurrence Limit
| Damage to Premises Rented to You
| Medical Expense (Premises)
| Sexual Abuse & Molestation Occurrence
| Sexual Abuse & Molestation Aggregate
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?
"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?
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?
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?
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?
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?
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?
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?
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.