The 2019 Guide to the US Lacrosse Insurance Program

The 2019 Guide to the US Lacrosse Insurance Program
The 2019 Guide to the US Lacrosse
       Insurance Program




 For Registered Members of US Lacrosse
The 2019 Guide to the US Lacrosse Insurance Program
Table of Contents


Section I: Introduction
Insurance/Risk Management Committee.......................................................................................................................4
4 Pillars of Insurance Excellence..................................................................................................................................5
Insurance Program at a Glance..................................................................................................................................7
Section II: How Does the US Lacrosse Insurance Program Protect Me?
I am a Player.........................................................................................................................................................10
I am a Coach........................................................................................................................................................14
I am an Official/Assigner.........................................................................................................................................18
I am a Program Administrator or Team/League Director..................................................................................................22
I am a Fan/International Member..............................................................................................................................25
Section III: US Lacrosse Insurance Policy Details – By Policy Type
Accident Medical Plans............................................................................................................................................27
Basic Accident Insurance Coverage............................................................................................................................29
Catastrophic Accident Insurance Coverage..................................................................................................................30
Accident Claims.....................................................................................................................................................31
Liability Plans: General & Excess................................................................................................................................33
How to Handle a Liability Claim................................................................................................................................35
Directors & Officers Liability (For Certified Coaches, Officials & Assigners only)...................................................................36
Sactioned Tournaments............................................................................................................................................37
Section IV: Optional Insurance Plans
Optional Insurance Plans..........................................................................................................................................39
Directors & Officers Liability......................................................................................................................................40
Crime Insurance.....................................................................................................................................................41
Cyber Liability........................................................................................................................................................42
Equipment Insurance................................................................................................................................................43
Coaches’ & Officials’ All-Sports Plan...........................................................................................................................44
How to Insure Teams & Leagues for Liability.................................................................................................................46
Peace of Mind Endorsement......................................................................................................................................47
24-Hour Premises Extension, Additional Limits, and International Travel Accident...................................................................48
Hired/Non-Owned Auto Liability Insurance.................................................................................................................49
Section V: Additional Information
Additional Information & RPS Bollinger Contact Info.......................................................................................................51




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The 2019 Guide to the US Lacrosse Insurance Program
Section I: Introduction
The 2019 Guide to the US Lacrosse Insurance Program
Insurance/Risk Management Committee


The US Lacrosse Insurance/Risk Management committee                  The 2019 US Lacrosse Insurance and Risk Management
(I/RM), a subcommittee of the US Lacrosse Finance                    Subcommittee is comprised of the following individuals, each
and Audit Committee, oversees all insurance and risk                 of whom brings a depth of professional experience relative to
management activities for US Lacrosse. The committee                 insurance, law and risk management:
annually evaluates and makes recommendations concerning              Appointed Committee Members
the organization’s membership insurance program and
business insurance coverages to ensure that the organization         Mark Otto, Chair (Pittsburgh, PA)
and its members are adequately and appropriately                     Bob Mongeluzzi (Philadelphia, PA)
insured. The committee, in conjunction with the insurance
                                                                     Joe Mannes (Dallas, TX)
program administrator, is also responsible for continuously
evaluating and strengthening the risk management policies            US Lacrosse Staff & Program Administrator
and procedures of the organization. The I/RM committee               Steve Stenersen, US Lacrosse CEO (staff)
also makes recommendations to the US Lacrosse Board of
Directors for additional insurance coverages and associated          Bruce Griffin, Director of Health & Sport Safety (staff)
risk management practices for consideration and approval by          Cara Morris, VP of Finance & Administration (staff)
the Board, as needed.                                                Lori Windolf Crispo, President, RPS Bollinger (Insurance
                                                                     program administrator)




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The 2019 Guide to the US Lacrosse Insurance Program
4 Pillars of Insurance Excellence


At US Lacrosse, our goal is to create the highest quality                   Through dedicated work over the last decade, the
lacrosse experience for our members so that they can enjoy                  US Lacrosse Insurance/Risk Management committee has
a lifetime with the sport in varying roles. This can only                   built a best-in-class program of insurance to cover a broad
happen if participants have a fun and safe experience                       spectrum of exposures that members face each time they take
and if – despite a potential injury – they are able to get                  the field. The insurance program and its distinguished benefits
back in the game. Risk management and player safety                         are founded on the 4 Pillars of Excellence:
are critical to our ability to achieve these goals. A key                       1. High-limit, comprehensive package of Excess
aspect of our risk management plan to protect members                              Accident and Liability insurance: For your
is the US Lacrosse Insurance Program. The US Lacrosse                              membership dollars, you received $4 million dollars
Insurance/Risk Management committee has established                                in coverage under the US Lacrosse Insurance Program.
the highest quality insurance standards for the sport of                           This includes a $1 million combined limit for Excess
lacrosse, with a corresponding member insurance program                            Accident and Catastrophic Accident insurance to cover
to protect all registered members for injuries they may sustain                    members if they are injured during lacrosse activities;
or lawsuits they may be pulled into as a result of their                           and a $3 million limit of liability per occurrence (with a
involvement with lacrosse.                                                         $7 million aggregate limit per location) to automatically
                                                                                   cover member players, coaches, and officials while
Why is insurance important?                                                        participating in or organizing lacrosse activities.
In any contact or collision sport, the risk of injury to                        2. Unparalleled value dollar for dollar: While
participants is high. In lacrosse, knee injuries are the most                      insurance is not the only benefit of membership in
common with an average cost over $25,000 per claim.                                US Lacrosse, it is a very tangible one. For the low cost
More serious injuries can also occur – from head injuries and                      of annual membership, each individual is protected
concussions, to spinal injuries and even fatalities. For these                     by $4 million dollars’ worth of insurance coverage as
reasons, US Lacrosse provides high-limit Excess Accident                           mentioned above. This is meaningful when you have
and Catastrophic Accident insurance as a safety net for                            a knee injury and are faced with a large hospital
members to help them manage the costs of medical treatment                         bill, or if you are sued as a result of your involvement
if they are injured during lacrosse activities.                                    in lacrosse. The buying power of US Lacrosse and
                                                                                   its 450,000+ member base makes it possible to
The second piece of the insurance program is General                               offer these kinds of limits affordably. In addition, our
Liability insurance. These days, having a solid program of                         19-year partnership with RPS Bollinger and Markel
liability insurance is as important as a stick and ball. We                        Insurance Company has created a stable program for
live in a blameful and litigious society, and lawsuits in sports                   our members. Our insurance partners understand our
have become the norm, whether they have merit or not. Even                         risks thoroughly and place credibility in all of our safety
though participants are aware of and assume the inherent risk                      and risk management protocols, enabling us to offer a
of playing sports, they may still sue in the event of an injury.                   substantial program of coverages to our membership at
Injuries to spectators, as well as broken windshields or other                     continuing competitive rates.
types of property damage to others are also common. The
US Lacrosse insurance program provides a plan of General
Liability and Excess Liability insurance to protect members
in the event of a claim. Lawsuits and lawyers cost money.
We want to make sure that our members have the proper
insurance, and the legal defense and the expert attorneys that
they need. At US Lacrosse, providing an exceptional Accident
and Liability insurance program as a benefit of membership
enables us to help all of our members in time of need.




                                                                  MC_0000379A                                                                5
The 2019 Guide to the US Lacrosse Insurance Program
3. All Lacrosse, all the time. Two unique attributes of
       the US Lacrosse Insurance Program are that it extends
       to ALL play of amateur field lacrosse as well as Box
       Lacrosse played by US Lacrosse rules, AND that
       your insurance coverage follows you wherever you
       go to play or participate in lacrosse. In most other
       organizations, the insurance only covers you when
       you play for that particular team or league. As a US
       Lacrosse player member, your insurance follows you if
       you play on multiple teams, if you go to a camp and if
       you play in tournaments. As a coach or official, you are
       covered at all levels of amateur lacrosse, from rec, to
       high school, to college and masters. You do not need
       to join multiple organizations to be insured for all of
       your coaching or officiating duties: US Lacrosse has got
       you covered!
    4. Speaking of expertise – Volunteers make up the
       backbone of most lacrosse teams and leagues. As such,
       you don’t have time to be the expert in insurance, or
       the latest medical trends, or in the legal climate within
       amateur sports. And you don’t have to be. The US
       Lacrosse Insurance/Risk Management committee and
       the US Lacrosse Sports Science & Safety committee
       have done that work for you. The I/RM committee is
       comprised of industry experts who have put together the
       best program of insurance for you and your participants,
       as well as providing expert risk management guidance
       for your organization. Couple that with the research and
       development done by the Sports Science and Safety
       committee each year to protect lacrosse participants,
       and you’ll see why over 450,000 members around the
       country rely on US Lacrosse to provide best practices in
       risk management and player safety.
We are proud of our insurance program and we are
not resting on our laurels. New coverages and benefits
are being considered by the I/RM committee at each
quarterly meeting. And, in the interest of education and
communication, we have developed this 2019 Guide to
the US Lacrosse Insurance Program to ensure that all of our
constituents understand the robust benefits that are being
provided as part of their US Lacrosse membership.




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The 2019 Guide to the US Lacrosse Insurance Program
Insurance Program At-a-Glance


US Lacrosse and RPS Bollinger have teamed up to make
enhancements to the US Lacrosse Member Insurance Program
                                                                          Basic Accident
for 2019, providing a robust package of coverage for                          Coverage Description                        Limits/Details
Players, Coaches, Officials, Assigners, and 100% registered
                                                                              Accident Medical/Dental
Teams & Leagues for their Lacrosse activities. The program                                                         $100,000 per injury
                                                                              Expense Limit
is comprised of 4 policies: Basic Accident, Catastrophic
Accident, General Liability and Excess Liability. A brief                     Full Excess Basis
outline of coverage is shown below. These four policies
are underwritten by Markel Insurance Company (rated “A”                       Accidental Death &            $20,000 (incl. coverage for
Excellent).                                                                   Dismemberment Benefit         Cardiac/Circulatory claims)
Member Teams, Leagues and Associations can also purchase                                                        104 weeks from date of
optional insurance, such as Crime, Equipment, Directors &                     Policy Benefit Period
                                                                                                                                injury
Officers, Cyber Liability and more, described on the next
page. These plans are available through RPS Bollinger at:                     Physical Therapy Benefit       $2,000 ($50 max per visit)
https://apps.rpsbollinger.com/lax/online-orders/.
                                                                              Durable Medical Equip.
                                                                                                                      $2,500 per injury
                                                                              Benefit
General Liability & Excess Liability                                          Officials’ Game Fee           $7,500 max Certified Officials
Combined Limits                                                               Reimbursement Benefit         $5,000 non-Certified Officials
Coverage Description                         Limits/Details                   Officials’ Game Fee Details   Up to $200 max per game
                                                                              Deductible (Waiting Period)    7 Days from Date of Injury
Liability Limit per
                               $3,000,000 per occurrence
Occurrence                                                                    Deductible – Youth Players                $500 per injury

Participant Legal Liability         (included in limit above)
                                                                              Deductible – HS Players                   $500 per injury

Abuse/Molestation Liability     $2,000,000 per occurrence                     Deductible – CERTIFIED
                                                                              Coaches & Officials                      $500 per injury
Personal Advertising Injury    $3,000,000 per occurrence                      Deductible – Coaches &                  $1,000 per injury
                                                                              Officials
Medical Expense Limit          $10,000 (to non-participants)                  Deductible – Adult Women
                                                                                                                      $1,000 per injury
                                                                              Players
Deductible                                     $0 per claim                   Deductible – Adult Men
                                                                                                                      $3,000 per injury
                                                                              Players
Limit of Liability Aggregate
                                    $7,000,000 aggregate                      Deductible – US National
(per location)
                                                                              Team Players (while
Participant Legal Liability                                                                                                 $0 per injury
                                           (included above)                   participating in National
Aggregate                                                                     Team Events)

Abuse/Molestation Liability         $3,000,000 aggregate                      Emergency Medical
                                                                                                            $25,000 benefit for on-field
                                                                              Evacuation (more than 100
                                                                                                                                injuries
Products/Completed                                                            miles from home)
                                    $4,000,000 aggregate
Operations Agg                                                                Emergency Repatriation
                                                                                                             $25,000 resulting from on-
Damage to Premises Rented                                                     Benefit (more than 100
                                    $1,000,000 per occur.                                                                field fatalities
to You                                                                        miles from home)




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The 2019 Guide to the US Lacrosse Insurance Program
Catastrophic Accident
 Coverage Description                         Limits/Details
 Catastrophic Accident
                                     $1,000,000 per injury
 Medical/Dental Expense Limit
 Catastrophic Cash benefit for
                                       $250,000 Lump Sum
 Coma or Paralysis lasting more
                                                  payment
 than 6 months
 Deductible (dovetails with
                                                 $100,000*
 Basic Accident policy limit)
                                       10 years from date of
 Policy Benefit Period
                                                      injury
                                     104 weeks from date of
 Deductible Incurral Period
                                                     injury

 Full Excess Basis

 Extended Cat Benefits (all
 benefits listed below capped         $1,000,000 max limit
 at $1M in total payout)
 Adjustment Expense Family                  Up to $125,000
 Counseling Benefit College                  Up to $25,000
 Education Benefit                          Up to $150,000
 Adaptation Expense Ancillary               Up to $200,000
 Sickness/Injury Benefit                    Up to $200,000

 Disability Benefit                         Up to $300,000

*To initiate the Catastrophic policy benefits, a claim needs to
pay out at least $100,000 in expenses within the Deductible
Incurral Period. These expenses can be paid by the US
Lacrosse Basic Accident policy, by the claimant’s primary
insurance, or by a combination of the two.




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The 2019 Guide to the US Lacrosse Insurance Program
Section II: How does the US
Lacrosse Insurance Program
protect me?
The 2019 Guide to the US Lacrosse Insurance Program
I am a Player


 1. As a US Lacrosse member, you automatically                               4. Am I covered even if the other people on my
    receive a package of Accident & Liability                                   team are not US Lacrosse members? Yes – as long
    Insurance that covers you for any organized amateur                         as your membership is in force and you are a member
    lacrosse you play in during the 12-month term of                            in good standing with US Lacrosse, the insurance
    membership, whether those activities take place in the                      coverage is there for you. It doesn’t matter if you are
    U.S. or abroad. The US Lacrosse Member Insurance                            playing with non-US Lacrosse members, or if you go to
    goes into effect upon the date of receipt of your new or                    an event that is sponsored by an independent lacrosse
    renewal membership application in US Lacrosse’s office                      organization – the US Lacrosse Member Insurance
    (usually same day if applying on-line). If you or your                      follows you for the duration of your membership.
    coach mail in your application to USL, coverage does                     5. Will the USL insurance plan cover me if I play
    not go into effect until the application is received in                     Box Lacrosse? The US Lacrosse Insurance Program
    US Lacrosse’s office. You can look up your membership                       applies whether the lacrosse games or activities are
    status on-line at:                                                          held outdoors or indoors, as long as the established
     USL.ebiz.uapps.net/PersonifyEbusiness/Default.                             rules approved by US Lacrosse are enforced. For box
     aspx?TabID=266                                                             lacrosse played with dasher boards, US Lacrosse Box/
 2. Concerned about getting injured while playing                               Indoor Rules must be followed without modification. The
    lacrosse? The Accident policies protect you with a                          insurance program does not apply to any play involving
    $1,000,000 limit in case you are hurt during lacrosse                       box lacrosse rules or play that allows cross-checking
    activities. This coverage is there as your safety net to                    (push checks are allowed) or boarding.
    cover medical, dental, Rx, physical therapy and other                        For indoor lacrosse, all lacrosse activities are covered
    related expenses. This policy is Excess, so if you have                      as long as field lacrosse rules are enforced. Minor
    other healthcare coverage, that policy pays first – then                     modifications to approved field rules, such as reduced
    any out-of-pocket expenses or remaining balances can                         number of players, field size, boundaries, and time
    be submitted to the USL Accident plan. There is also a                       will not affect the insurance coverage as long as the
    deductible ($500 for Youth and High School Players;                          modifications do not challenge the intent of the rules or
    $1,000 for Adult Women Players; $3,000 for Adult                             jeopardize player safety.
    Male Players) which must be met before the USL policy
    pays its benefits.
 3. What if I get sued? While no one wants to hire
    lawyers or end up in court, US Lacrosse takes the sting
    out of legal matters with the USL Liability Insurance
    plan. If you are sued as a result of injuring someone
    or causing property damage during a lacrosse activity
    (an errant shot that shatters a car’s windshield, for
    example), the USL Liability policy will handle the lawsuit
    for you from beginning to end. Markel Insurance
    Company will arrange for an attorney to represent you
    and will cover the legal bills, settlements or indemnity
    payments that you incur (according to the terms of the
    policy).




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Basic Excess Accident                                                         Catastrophic Accident
This policy is the first layer of the 2 Accident policies that                This policy is the 2nd layer of Accident coverage for
make up the US Lacrosse Accident Plan.                                        US Lacrosse members – providing up to $1 million in
                                                                              Accident Medical Expense benefits.
                                       $100,000 limit per
 Accident Medical Expense Limit
                                       Injury                                     Accident Medical Expense
                                                                                                               $1,000,000
                                       $20,000 (incl. Cardiac/                    Limit
 Accidental Death Benefit
                                       Circulatory coverage*)
                                                                                  Benefit Period               10 Year Benefit Period
 Accidental Dismemberment
                                       $20,000 principal sum
 Benefit                                                                          Catastrophic Cash Benefit
                                                                                                               $250,000 Lump Sum
                                                                                  for Coma/Paralysis
 Deductible - Youth & HS Players       $500 per injury
                                                                                                               $100,000 (integrates with
                                                                                  Deductible
                                                                                                               Basic Accident Policy)
 Deductible - Adult Male Players       $3,000 per Injury
                                                                                                               104 weeks from date of
                                                                                  Deductible Incurral Period
                                                                                                               injury
 Deductible - Adult Women Players $1,000 per Injury
                                                                                                               An additional $1,000,000
 Deductible – National Team                                                                                    in:
                                       $0 per Injury                                                              • Adjustment Expense
 Players
                                                                                                                  • Family Counseling
 (for injuries incurred during Nat’l Team practices & events
                                                                                                                    Expense
 only; if injured during regular play, above deductibles apply)                   Catastrophic Injury Extended
                                                                                                                  • College Education
 Physical Therapy/Chiropractic         $2,0000 (limited to $50                    Benefits
                                                                                                                    Benefit
 limit                                 max. per visit)                                                            • Adaptation Expense
 Durable Medical Equipment                                                                                        • Ancillary Sickness
                                       $2,500 maximum                                                               Benefit
 limit
                                                                                                                  • Disability Benefit
                                       104 weeks from date of
 Policy Benefit Period
                                       injury                                 Important note: The Basic and Catastrophic Accident
                                                                              policies cover only those medical/dental expenses arising
 Full Excess Coverage                                                         out of Accidental Injuries that occur during covered activities.
                                                                              The policies do not provide coverage for claims arising
                                                                              out of sickness, illness or bodily conditions. For example,
Full Excess Coverage: The Basic Accident policy is written
                                                                              no coverage is provided for heart attack, stroke, disease,
on a Full Excess Basis meaning that it pays only after any other
                                                                              pregnancy or other such conditions (except for the Accidental
collectible insurance has paid its benefits. If no other insurance is
                                                                              Death benefit, which specifically extends coverage to
in place, the policy pays on a primary basis after the deductible
                                                                              fatalities caused by heart attack and stroke).
has been applied.
*Accidental Death Benefit - Cardiac/Circulatory
Coverage: If a player dies within 48 hours of a Cardiac or                    Policy Limits for Players
Circulatory (Stroke) incident during a covered activity, this benefit         This is a summary of benefits. For full details on each
will be paid to the member’s family. The Accident policies do                 policy, please see Section III.
not provide any other coverage for sickness or illness. Therefore,
no payments for any medical expenses resulting from the cardiac
or circulatory incident will be made under the US Lacrosse
Accident plan; only the Death Benefit is payable.
**Deductible: The deductible under this policy applies to each
injury regardless of payments made or deductibles taken by
other (primary) insurance.


                                                                    MC_0000379A                                                            11
Covered Activities for Players                                                 4. Group Travel – Accident Insurance: The USL
                                                                                  Accident policies do provide coverage for injuries
1. Standard Lacrosse Activities: Players are covered for                          incurred during Group Travel. Group travel refers to
   scheduled games, team practice sessions, tournaments,                          a group of team members going directly to or from
   camps, clinics and sponsored team/league activities                            a lacrosse activity. If there is an auto accident or bus
   (as defined below in “Other Supervised Activities”),                           accident, for example, and players are injured, the
   provided they are under the direct supervision of a                            US Lacrosse Accident policies will respond on an excess
   team coach or other officially designated team/                                basis (after the Auto insurance, no-fault insurance and/
   league member. No coverage is provided for pick-up                             or primary health insurance policies have paid their
   games, unsupervised practices, individual workouts,                            benefits). No coverage is provided for injuries incurred
   practices or conditioning (going to the field to do your                       during individual travel – such as a parent driving their
   own drills; going for a run, etc.), or “hacking around”                        child to a game, or a player driving to or from practice.
   with your lacrosse stick in someone’s backyard. As a
   player member, you are only covered for playing – not                       5. Group Travel – Liability Insurance: The USL Liability
   coaching or officiating. If you also participate as a                          policies do not provide coverage for lawsuits stemming
   coach or official, you must register with US Lacrosse in                       from Group or Individual Travel. Specifically, there is no
   each category to be covered by the insurance program                           auto liability or any other liability coverage for lawsuits
   for those activities.                                                          arising out of the transportation of participants under the
                                                                                  US Lacrosse Insurance Program. This means that there is
 2. Any and All Amateur Field Lacrosse: The                                       no coverage for coaches, parents, players, or volunteers
    US Lacrosse Insurance Program applies whether the                             who drive players or others to any lacrosse activity.
    lacrosse games or activities are held outdoors or                             Therefore, RPS Bollinger and US Lacrosse strongly advise
    indoors, as long as the established rules approved by                         teams or leagues who are transporting participants to
    US Lacrosse are enforced. For box lacrosse played with                        make certain that the designated drivers and vehicles
    dasher boards, US Lacrosse Box/Indoor Rules must be                           are properly licensed and fully insured.
    followed without modification. The insurance program
    does not apply to any play involving box lacrosse rules
    or play that allows cross-checking (push checks are
    allowed) or boarding.
     For indoor lacrosse, all lacrosse activities are covered
     as long as field lacrosse rules are enforced. Minor
     modifications to approved field rules, such as reduced
     number of players, field size, boundaries, and time
     will not affect the insurance coverage as long as the
     modifications do not challenge the intent of the rules or
     jeopardize player safety.
 3. Other Supervised Activities: Team or league
    meetings, banquets and usual, non-hazardous
    fundraisers, such as bake sales, car washes and other
    similar, low-risk events are covered. “Hazardous”
    fundraisers include activities such as bounce-houses,
    hiring petting zoos or hosting concerts, which will
    need to be individually underwritten and may incur
    an additional premium. No coverage is provided
    for any event that includes fireworks. Please contact
    RPS Bollinger if you are hosting a function that may be
    considered ‘hazardous’ or high risk.




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General Liability & Excess Liability
The primary focus of the General Liability policies is to cover
claims and lawsuits arising out of Bodily Injury or Property
Damage to others arising out of lacrosse activities. The
General Liability and Excess Liability Combined Policy Limits
provided to members are:

 Limit of Liability per Occurrence               $3,000,000

 General Aggregate Limit per Location             $7,000,000

 Products & Completed Operations Aggregate       $4,000,000

 Personal Injury/Advertising Injury Limit        $3,000,000

 Sexual Abuse Liability Limit per occurrence     $2,000,000

 Sexual Abuse Liability Limit aggregate          $3,000,000

 Damage to Premises Rented to you                $1,000,000

 Medical Payments (to non-participants)              $10,000

 Deductible                                                  $0


Examples of Liability Claims
  • A player is seriously injured (Bodily Injury) during a
    game and sues the player who hit him for negligent
    contact.
  • A spectator gets hit with a ball in the eye (Bodily Injury)
    and sues the player who shot the ball and the Field
    owner for not protecting spectators from errant shots.
  • Players on an overnight trip with their team are victims
    of hazing by other players (defined as Bodily Injury).
    Their parents sue the accused players and the coaches
    in a civil suit.




                                                                  MC_0000379A   13
I am a Coach


1. As a US Lacrosse member, you automatically                               5. If I am a paid coach, is my US Lacrosse Accident
   receive a package of Accident & Liability                                   Insurance invalidated? This is a gray area
   Insurance that follows you for coaching any organized                       because paid coaches fall under the definition of
   amateur lacrosse games, practices, tournaments, clinics,                    “employee”(which requires Workers Compensation
   camps or related activities during the 12-month term of                     insurance) and not “independent contractor” (which
   your membership, whether in the U.S. or abroad. The                         doesn’t require Workers Comp). Both the USL
   US Lacrosse Member Insurance goes into effect upon                          Accident and Liability policies exclude claims “eligible
   the date of receipt of your new or renewal membership                       for Workers Compensation or Employer’s Liability
   application in US Lacrosse’s office (usually same day if                    coverage.” As a paid coach, your team is legally
   applying on-line). If you mail in your application to USL,                  responsible to provide Workers Comp insurance for
   coverage does not go into effect until the application is                   injuries you may incur while working. The ambiguity
   received in US Lacrosse’s office. You can look up your                      arises if you are paid but your league has not
   membership status on-line at:                                               purchased Workers Comp. It is possible in this instance,
     USL.ebiz.uapps.net/PersonifyEbusiness/Default.                            that your injury could be considered for coverage by
     aspx?TabID=266                                                            USL’s Insurance (although it doesn’t relieve your team/
                                                                               league of the legal duty to provide Workers Comp –
2. Concerned about getting injured while coaching                              for which they could be liable or fined by the state’s
   lacrosse? The Accident policies protect you with                            Workers Comp board). To fully protect yourself, either
   a $1 million dollar limit in case you are hurt while                        work as a volunteer coach or, if you are paid, make
   coaching lacrosse. These policies serve as a safety net                     sure the team provides Workers Comp insurance for you.
   to cover your medical, dental, Rx, and other related
   expenses. This policy is Excess, so if you have other
   health insurance, that policy pays first – then you can              Covered Activities for Coaches
   submit out-of-pocket expenses or remaining balances                      1. Standard Lacrosse Activities: Coaches are covered
   to the US Lacrosse Accident plan, subject to a $1,000                       during scheduled games, team practice sessions, and
   deductible ($500 for Certified Coaches) which must                          sponsored team/league activities (as defined below
   be met before the USL policy pays its benefits.                             in “Other Supervised Activities”). Coaches are also
3. What if I get sued by one of my players? While                              covered for one-on-one or group training/conditioning
   no one wants to hire lawyers or be taken to court,                          sessions that they run, and while attending coaches’
   US Lacrosse takes the sting out of legal matters with the                   clinics. As a coach member, you are only covered
   USL Liability Insurance plan. If you are sued as a result                   for coaching – not playing or officiating. If you also
   of an injury to someone or property damage to others                        participate as a player or official, you must register with
   (for example, you are sued as a result of damage to                         US Lacrosse in each category to be covered by the
   an indoor facility when an errant ball breaks a trophy                      insurance program for other activities.
   case). Certified Coaches of US Lacrosse are covered                      2. Any and All Amateur Field Lacrosse: The US Lacrosse
   automatically for Directors & Officers Liability (wrongful                  Insurance Program applies whether the lacrosse games
   acts) claims. Please see “Directors & Officers Liability” at                or activities are held outdoors or indoors, as long as the
   the end of this section for details.                                        established rules approved by US Lacrosse are enforced.
4. Am I covered as a Coach even if all the players                             For box lacrosse played with dasher boards, US Lacrosse
   on my team are not US Lacrosse members? Yes                                 Box/Indoor Rules must be followed without modification.
   – as long as your membership is in force and you are                        The insurance program does not apply to any play
   a member in good standing with US Lacrosse, the USL                         involving box lacrosse rules or play that allows cross-
   Accident and Liability insurance coverage is there for you.                 checking (push checks are allowed) or boarding.
                                                                                For indoor lacrosse, all lacrosse activities are covered
                                                                                as long as field lacrosse rules are enforced. Minor
                                                                                modifications to approved field rules, such as reduced
                                                                                number of players, field size, boundaries, and time
                                                                                will not affect the insurance coverage as long as the
                                                                                modifications do not challenge the intent of the rules or
                                                                                jeopardize player safety.

14                                                            MC_0000379A
3. Other Supervised Activities: Team or league
    meetings, banquets and usual, non-hazardous
    fundraisers, such as bake sales, car washes and other
    similar, low-risk events are covered. “Hazardous”
    fundraisers include activities such as bounce-houses,
    hiring petting zoos or hosting concerts, which will
    need to be individually underwritten and may incur
    an additional premium. No coverage is provided
    for any event that includes fireworks. Please contact
    RPS Bollinger if you are hosting a function that may be
    considered ‘hazardous’ or high risk.
 4. Group Travel – Accident Insurance: The USL
    Accident policies do provide coverage for injuries
    incurred during Group Travel. Group travel refers to
    a group of team members going directly to or from
    a lacrosse activity. If there is an auto accident or bus
    accident, for example, and coaches are injured, the
    US Lacrosse Accident policies will respond on an excess
    basis (after the Auto insurance, no-fault insurance and/
    or primary health insurance policies have paid their
    benefits). No coverage is provided for injuries incurred
    during individual travel – such as a parent driving their
    child to a game, or a coach driving to or from practice.
 5. Group Travel – Liability Insurance: The USL Liability
    policies do not provide coverage for lawsuits stemming
    from Group or Individual Travel. Specifically, there is no
    auto liability or any other liability coverage for lawsuits
    arising out of the transportation of participants under the
    US Lacrosse Insurance Program. This means that there is
    no coverage for coaches, parents, players, or volunteers
    who drive players or others to any lacrosse activity.
    Therefore, RPS Bollinger and US Lacrosse strongly advise
    teams or leagues who are transporting participants to
    make certain that the designated drivers and vehicles
    are properly licensed and fully insured.


Policy Limits for Coaches
This is a summary of benefits. For full details on each
policy, please refer to Section III.




                                                              MC_0000379A   15
Basic Excess Accident                                                        Catastrophic Accident
This policy is the first layer of the 2 Accident policies that               This policy is the 2nd layer of Accident coverage for
make up the US Lacrosse Accident Plan.                                       US Lacrosse members – providing up to $1M in Accident
                                                                             Medical Expense benefits.
                                      $100,000 limit per
 Accident Medical Expense Limit
                                      Injury
                                                                                 Accident Med. Expense Limit   $1,000,000
                                      $20,000 (incl. Cardiac/
 Accidental Death Benefit
                                      Circulatory coverage*)
                                                                                 Benefit Period                10 Year Benefit Period
 Accidental Dismemberment
                                      $20,000 principal sum
 Benefit                                                                         Catastrophic Cash Benefit
                                                                                                               $250,000 Lump Sum
 Deductible – Non-Certified                                                      for Coma/Paralysis
                                      $1,000 per Injury
 Coaches                                                                                                       $100,000 (Integrates with
                                                                                 Deductible
                                                                                                               Base Accident Policy)
 Deductible – Certified Coaches       $500 per Injury
                                                                                                               104 weeks from date of
                                                                                 Deductible Incurral Period
 Physical Therapy/Chiropractic        $2,000 (limited to $50                                                   injury
 limit                                max. charge per visit)                                                  An additional $1,000,000
 Durable Medical Equipment                                                                                    in:
                                      $2,500 maximum                                                             • Adjustment Expense
 limit
                                                                                                                 • Family Counseling
                                      104 weeks from date of
 Policy Benefit Period                                                                                             Expense
                                      injury                                     Catastrophic Injury Extended
                                                                                                                 • College Education
                                                                                 Benefits
 Full Excess Coverage                                                                                              Benefit
                                                                                                                 • Adaptation Expense
                                                                                                                 • Ancillary Sickness
Full Excess Coverage: The Basic Accident policy is written                                                         Benefit
on a Full Excess Basis meaning that it pays only after any                                                       • Disability Benefit
other collectible insurance has paid its benefits. If no other
insurance is in place, the policy pays on a primary basis                    Important note: The Basic & Catastrophic Accident policies
after the deductible has been applied.                                       cover only those medical/dental expenses arising out of
*Accidental Death Benefit - Cardiac/Circulatory                              Accidental Injuries that occur during covered activities. The
Coverage: If a coach dies within 48 hours of a Cardiac                       policies do not provide coverage for claims arising out of
or Circulatory (Stroke) incident during a covered activity, this             sickness, illness or bodily conditions. For i.e., no coverage is
benefit will be paid to her/his family. The Accident policies                provided for heart attack, stroke, disease, pregnancy or other
do not provide any other coverage for sickness or illness.                   such conditions (except for the Accidental Death benefit,
Therefore, no payments for any medical expenses resulting                    which specifically extends coverage to fatalities caused by
from the cardiac or circulatory incident will be made under                  heart attack & stroke).
the US Lacrosse Accident plan; only the Death Benefit is
payable.
**Deductible: The deductible under this policy applies
to each injury regardless of payments made or deductibles
taken by other (primary) insurance.




16                                                                 MC_0000379A
General Liability & Excess Liability
The primary focus of the General Liability policies is to cover
claims and lawsuits arising out of Bodily Injury or Property
Damage to others arising out of lacrosse activities. General
Liability and Excess Liability Combined Policy Limits provided
to members are:

 Limit of Liability per Occurrence               $3,000,000

 General Aggregate Limit per Location            $7,000,000

 Products & Completed Operations
                                                 $4,000,000
 Aggregate

 Personal Injury/Advertising Injury Limit        $3,000,000

 Sexual Abuse Liability Limit per occurrence     $2,000,000

 Sexual Abuse Liability Limit aggregate          $3,000,000

 Damage to Premises Rented to you                $1,000,000

 Medical Payments (to non-participants)              $10,000

 Deductible                                                 $0


Examples of Liability Claims
  • A player is seriously injured (Bodily Injury) during a
    game and sues the coach and the team for allowing
    rough play.
  • During practice drills, a coach hits a player accidentally
    in the eye (Bodily Injury). The player’s family sues the
    coach for damages when the player is not able to
    participate in recruiting showcases due to the injury.
  • The windshield of a car is damaged by an overthrown
    ball (Property Damage to others) and the owner of the
    car submits the bills for repair to the team coach for
    payment.
  • Players at a tournament held on a college campus set a
    Porta-Potty on fire (Property Damage to others) and the
    college bills the coaches for the damage.




                                                                  MC_0000379A   17
I am an Official/Assigner


1. As a US Lacrosse member, you automatically                                  4. If I am a paid official, is my US Lacrosse Accident
   receive a package of Accident & Liability                                      Insurance invalidated? No. Most states recognize
   Insurance that follows you for officiating any organized                       that paid officials are independent contractors. As
   amateur lacrosse games, tournaments, clinics, camps                            such, you are not subject to Workers Compensation
   or related activities during the 12-month term of your                         insurance laws -- and the USL Accident and Liability
   membership, whether in the U.S. or abroad. Coverage                            policy exclusions for “injuries covered by Workers
   is in force for your officiating duties, whether or not the                    Compensation Insurance” would not apply. Therefore,
   teams on the field are 100% US Lacrosse members.                               paid officials are fully protected by the US Lacrosse
   As an Official, you are also covered by the liability                          Accident and Liability policies.
   policies if you serve as a certified Assigner, Trainer                      5. Do I need to officiate by certain rules in order for
   or Observer for lacrosse. The US Lacrosse Member                               my USL Insurance to be in force? Yes, Officials are
   Insurance goes into effect upon the date of receipt of                         covered for officiating all amateur lacrosse as long as
   your new or renewal membership application in US                               they follow US Lacrosse’s stated definition of allowable
   Lacrosse’s office (usually same day if applying on-line).                      rules. Allowable rules for the play of lacrosse include
   If you mail in your application to USL, coverage does                          Federation of International Lacrosse (FIL); National
   not go into effect until the application is received in US                     Collegiate Athletic Association ( NCAA); field lacrosse
   Lacrosse’s office. You can look up your membership                             rules specified by National Federation of State High
   status on- line at:                                                            School Associations (NFHS) and US Lacrosse; Indoor
     USL.ebiz.uapps.net/PersonifyEbusiness/Default.                               or Box Lacrosse rules specified by FIL and US Lacrosse.
     aspx?TabID=266                                                               In addition, rules for lacrosse disciplines developed
2. Concerned about getting injured while officiating                              specifically for athletes with cognitive or physical
   lacrosse? The Accident policies protect officials on                           challenges that are either written or adopted by US
   an excess basis with a $1 million dollar limit (with a                         Lacrosse.
   $1,000 deductible, or $500 for Certified Officials) in
   case you are hurt while officiating lacrosse. We hope
   you will never have to use it – but it’s there as a safety
   net to cover your medical, dental, Rx, physical therapy
   and other related expenses. In addition, there is a
   Game Fee Reimbursement coverage that provides up
   to $7,500 in missed games, if you are prevented from
   officiating lacrosse games due to an injury you received
   while officiating lacrosse. Note: No accident coverage
   applies to Assigners; they are covered only by the US
   Lacrosse Liability Policies.
3. What if I get sued by an injured player? While
   no one wants to hire lawyers or be taken to court,
   US Lacrosse takes the sting out of legal matters with
   the USL Liability Insurance plan. If you are sued as
   a result of an injury to someone during a covered
   lacrosse activity, the USL Liability policy will handle the
   liability claim from beginning to end. Markel Insurance
   Company will arrange an attorney to represent you
   and will cover any legal bills, settlements or payments
   (according to the terms of the policy).
     Certified Officials and Assigners are covered for
     Directors & Officers Liability (wrongful acts) claims.
     Please see “Directors & Officers Liability” at the end of
     this section for details.



18                                                               MC_0000379A
Covered Activities for Officials                                               4. Group Travel – Accident Insurance: The USL
                                                                                  Accident policies do provide coverage for injuries
1. Standard Lacrosse Activities: Officials are covered                            incurred during Group Travel. Group travel refers to a
   for officiating scheduled games, tournaments, clinics                          group of officials going directly to or from a lacrosse
   and sponsored lacrosse activities (as defined below in                         activity. If there is an auto accident or bus accident,
   “Other Supervised Activities”). As an Official member,                         for example, and officials are injured, the US Lacrosse
   you are also covered for liability as it relates to your role                  Accident policies will respond on an excess basis (after
   as a certified Assigner, Trainer or Observer of lacrosse                       the Auto insurance, no-fault insurance and/or primary
   – but not for playing or coaching. If you also participate                     health insurance policies have paid their benefits). No
   as a player or coach, you must register with US Lacrosse                       coverage is provided for injuries incurred during
   in each category to be covered by the insurance                                individual travel – such as an official driving to a
   program for those activities.                                                  game or tournament.
2. Any and All Amateur Field Lacrosse: The                                     5. Group Travel – Liability Insurance: The USL Liability
   US Lacrosse Insurance Program applies whether the                              policies do not provide coverage for lawsuits stemming
   lacrosse games or activities are held outdoors or                              from Group or Individual Travel. Specifically, there is no
   indoors, as long as the established rules approved by                          auto liability or any other liability coverage for lawsuits
   US Lacrosse are enforced. For box lacrosse played with                         arising out of the transportation of participants under
   dasher boards, US Lacrosse Box/Indoor Rules must be                            the US Lacrosse Insurance Program. This means that
   followed without modification. The insurance program                           there is no coverage for coaches, officials, parents,
   does not apply to any play involving box lacrosse rules                        players, or volunteers who drive players or others to
   or play that allows cross-checking (push checks are                            any lacrosse activity. Therefore, RPS Bollinger and US
   allowed) or boarding.                                                          Lacrosse strongly advises members who are transporting
    For indoor lacrosse, all lacrosse activities are covered as                   participants to make certain that the designated drivers
    long as field lacrosse rules are enforced. Minor modifications                and vehicles are properly licensed and fully insured.
    to approved field rules, such as reduced number of players,
    field size, boundaries, and time will not affect the insurance
    coverage as long as the modifications do not challenge
                                                                           Policy Limits for Officials
    the intent of the rules or jeopardize player safety.                   This is a summary of benefits. For full details on each
                                                                           policy, please refer to Section III.
3. Other Supervised Activities: Officials’ association
   meetings, training clinics, banquets and usual, non-
   hazardous fundraisers, such as bake sales, car
   washes and other similar, low-risk events are covered.
   “Hazardous” fundraisers include activities such as
   bounce-houses, hiring petting zoos or hosting concerts,
   which will need to be individually underwritten and may
   incur an additional premium. No coverage is provided
   for any event that includes fireworks. Please contact
   RPS Bollinger if you are hosting a function that may be
   considered ‘hazardous’ or high risk.




                                                                 MC_0000379A                                                               19
Basic Accident                                                              *Accidental Death Benefit - Cardiac/Circulatory
                                                                            Coverage: If an official dies within 48 hours of a Cardiac
This policy is the first layer of the 2 Accident policies that              or Circulatory (Stroke) incident during a covered activity, this
make up the US Lacrosse Accident Plan.                                      benefit will be paid to her/his family. The Accident policies
                                                                            do not provide any other coverage for sickness or illness.
 Accident Medical Expense            $1,000,000 limit per
                                                                            Therefore, no payments for any medical expenses resulting
 Limit                               Injury
                                                                            from the cardiac or circulatory incident will be made under
                                     $20,000 (incl. Cardiac/                the US Lacrosse Accident plan.
 Accidental Death Benefit
                                     Circulatory coverage*)
                                                                            **Deductible: The deductible under this policy applies to
 Accidental Dismemberment                                                   each injury regardless of payments made or deductibles
                                     $20,000 principal sum
 Benefit                                                                    taken by other (primary) insurance.
 Deductible – Non-certified
                                     $1,000 per Injury
 Officials
                                                                            Catastrophic Accident
 Deductible – Certified Officials    $500 per Injury                        This policy is the 2nd layer of Accident coverage for
                                                                            US Lacrosse members – providing up to $1 million in
 Physical Therapy/Chiropractic       $2,000 (limited to $50                 Accident Medical Expense benefits.
 limit                               max. charge per visit)
                                                                                Accident Medical Expense
 Durable Medical Equipment                                                                                        $1,000,000
                                     $2,500 maximum                             Limit
 limit
                                     104 weeks from date of                     Benefit Period                    10 Year Benefit Period
 Policy Benefit Period
                                     injury
                                                                                Catastrophic Cash Benefit for
                                     Up to $7,500 max.                                                            $250,000 Lump Sum
                                                                                Coma/Paralysis
                                     benefit for Certified
                                     Officials                                                                    $100,000 (integrates with
                                                                                Deductible
                                     Up to $5,000 max.                                                            base Accident policy)
 Game Fee Reimbursement
                                     benefit for Non-certified                                                    104 weeks from date of
                                     Officials                                  Deductible Incurral Period
                                                                                                                  injury
                                     Up to $200 per game
                                     max.                                                                         An additional
                                                                                                                  $1,000,000 in:
 Game Fee Waiting Period                                                                                            • Adjustment Expense
                                     7 days from date of injury
 (deductible)                                                                                                       • Family Counseling
                                     26 weeks from date of                                                            Expense
 Game Fee Benefit Period                                                        Catastrophic Injury Extended
                                     injury                                                                         • College Education
                                                                                Benefits
                                                                                                                      Benefit
 Full Excess Coverage                                                                                               • Adaptation Expense
                                                                                                                    • Ancillary Sickness
                                                                                                                      Benefit
Full Excess Coverage: The Basic Accident policy is written                                                          • Disability Benefit
on a Full Excess Basis meaning that it pays only after any
other collectible insurance has paid its benefits. If no other
                                                                            Important note: The Basic and Catastrophic Accident policies
insurance is in place, the policy pays on a primary basis
                                                                            cover only those medical/dental expenses arising out of
after the deductible has been applied.
                                                                            Accidental Injuries that occur during covered activities. The policies
                                                                            do not provide coverage for claims arising out of sickness, illness
                                                                            or bodily conditions. For example, no coverage is provided for
                                                                            heart attack, stroke, disease, pregnancy or other such conditions
                                                                            (except for the Accidental Death benefit, which specifically extends
                                                                            coverage to fatalities caused by heart attack and stroke).


20                                                                MC_0000379A
General Liability & Excess Liability
The primary focus of the General Liability policies is to cover
claims and lawsuits arising out of Bodily Injury or Property
Damage to others arising out of lacrosse activities. General
Liability and Excess Liability Combined Policy Limits provided
to members are:

 Limit of Liability per Occurrence                $3,000,000

 General Aggregate Limit per Location             $7,000,000

 Products & Completed Operations
                                                  $4,000,000
 Aggregate

 Personal Injury/Advertising Injury Limit         $3,000,000

 Sexual Abuse Liability Limit per occurrence      $2,000,000

 Sexual Abuse Liability Limit aggregate           $3,000,000

 Damage to Premises Rented to you                 $1,000,000

 Medical Payments (to non-participants)               $10,000

 Deductible                                                  $0


Examples of Liability Claims
  • A player is seriously injured (Bodily Injury) during a
    game and sues the officials and the team for allowing
    rough play.
  • A spectator gets hit with a ball in the eye (Bodily Injury)
    and sues the player who shot the ball and the official
    for not keeping him out of the end zone and protecting
    him from errant shots.
  • A fight breaks out during a game and players are
    injured as a result. It turns out that both officials at the
    game are very inexperienced. Plaintiffs sue the officials
    for not being able to maintain safety of the players
    and they sue the assigner as well for not putting an
    experienced official on the field.




                                                                   MC_0000379A   21
I am a Program Administrator


1. How do I get Insurance Benefits from US                                   5. Isn’t it easier to buy our own insurance for the
   Lacrosse? There is no membership category for                                league? Actually, no. By mandating US Lacrosse
   Program Administrators. Therefore, the USL Insurance                         membership for your players and coaches, you can
   Program package does not automatically apply to                              rest assured that your participants, league, directors,
   you. However, you can be covered by the USL Liability                        officers and volunteers are protected by the best
   policies if the teams/leagues under your direction are                       sports insurance plan available in today’s market. You
   100% registered with US Lacrosse.                                            don’t have to read through proposals and policies
2. 100% Membership Guideline = Liability                                        to figure out what’s appropriate for your league:
   Insurance for You: Under the USL General Liability                           the US Lacrosse I/RM committee has already done
   plan, coverage only extends to teams, leagues and                            this work for you. Plus, you get the assistance of
   tournaments as “entities” if they are 100% registered                        US Lacrosse’s Membership Department, their on-line
   with US Lacrosse. When that happens, the Liability                           registration program, access to US Lacrosse sanctioned
   policies extend to the team or league as an entity,                          tournaments and events, and the benefit of the expertise
   as well as any league officers, directors, program                           and research done by the US Lacrosse Sports Science
   administrators and volunteers. Therefore, if your league                     & Safety committee to make sure you are offering the
   is 100% registered with US Lacrosse and you are                              safest lacrosse experience for your players. This is a win-
   sued personally as a result of injuries or property                          win for you and your organization!
   damage because of your lacrosse duties, you would be
   protected by the USL liability policies (according to the             Covered Activities for Program
   terms of the policy).
3. How do I ensure that my program is compliant
                                                                         Administrators
   with the 100% Membership Guideline? In order                              1. Standard Lacrosse Activities: For 100% registered
   to meet the 100% guideline, all players and coaches                          teams and leagues -- and their officers, directors,
   must be current members of US Lacrosse. Only then will                       administrators and volunteers – coverage applies
   the Liability coverage apply to teams, leagues, officers,                    during scheduled games, team practice sessions, and
   directors, program administrators, and volunteers.                           sponsored team/league activities (as defined below in
   Please see “How to Insure Teams/Leagues for Liability”                       “Other Supervised Activities”).
   on page 46.                                                               2. Any and All Amateur Field Lacrosse: The
4. What are the Benefits of Registering my Program                              US Lacrosse Insurance Program applies whether the
   100% with US Lacrosse? There are multiple benefits                           lacrosse games or activities are held outdoors or
   of joining US Lacrosse. One of the most important is the                     indoors, as long as the established rules approved by
   insurance package of benefits, including $3,000,000                          US Lacrosse are enforced. For box lacrosse played with
   of liability insurance and $1,000,000 of accident                            dasher boards, US Lacrosse Box/Indoor Rules must be
   medical insurance for your participants. For Program                         followed without modification. The insurance program
   Administrators, these benefits are important because                         does not apply to any play involving box lacrosse rules
   not only are your players and coaches fully protected                        or play that allows cross-checking (push checks are
   in case of injuries or lawsuits, but your program or                         allowed) or boarding.
   township is protected under the liability plans, as well                      For indoor lacrosse, all lacrosse activities are covered
   as you as the administrator, your volunteers and your                         as long as field lacrosse rules are enforced. Minor
   lacrosse board. In addition, certificates of insurance are                    modifications to approved field rules, such as reduced
   provided naming your fields and facilities as Additional                      number of players, field size, boundaries, and time
   Insureds at no additional charge. Joining forces with                         will not affect the insurance coverage as long as the
   US Lacrosse also means you receive the benefit of their                       modifications do not challenge the intent of the rules or
   research and development into Sports Science & Safety,                        jeopardize player safety.
   Risk Management and Best Practices. The value added
   to your program by US Lacrosse is immeasurable!




22                                                             MC_0000379A
3. Other Supervised Activities: Team or league
    meetings, banquets and usual, non-hazardous
                                                                        General Liability & Excess Liability
    fundraisers, such as bake sales, car washes and other               Policy Limits
    similar, low-risk events are covered. “Hazardous”                   The primary focus of the Liability policies is to cover claims
    fundraisers include activities such as bounce-houses,               and lawsuits arising out of Bodily Injury or Property Damage
    hiring petting zoos or hosting concerts, which will                 to others arising out of lacrosse activities. General Liability
    need to be individually underwritten and may incur                  and Excess Liability Combined Policy Limits provided to
    an additional premium. No coverage is provided                      Program Administrators are shown below:
    for any event that includes fireworks. Please contact
    RPS Bollinger if you are hosting a function that may be
                                                                            Limit of Liability per Occurrence             $3,000,000
    considered ‘hazardous’ or high risk.
 4. Group Travel – Liability Insurance: The USL Liability                   General Aggregate Limit per Location          $7,000,000
    policies do not provide coverage for lawsuits stemming
    from Group or Individual Travel. Specifically, there is no              Products & Completed Operations
    auto liability or any other liability coverage for lawsuits                                                           $4,000,000
                                                                            Aggregate
    arising out of the transportation of participants under the
    US Lacrosse Insurance Program. This means that there is                 Personal Injury/Advertising Injury Limit      $3,000,000
    no coverage for coaches, parents, players, or volunteers
    who drive players or others to any lacrosse activity.
                                                                            Sexual Abuse Liability Limit per occurrence   $2,000,000
    Therefore, RPS Bollinger and US Lacrosse strongly advise
    teams or leagues who are transporting participants to
    make certain that the designated drivers and vehicles                   Sexual Abuse Liability Limit aggregate        $3,000,000
    are properly licensed and fully insured.
                                                                            Damage to Premises Rented to you              $1,000,000
Policy Limits for Program Administrators
                                                                            Medical Payments (to non-participants)           $10,000
This is a summary of benefits. For full details on each
policy, please refer to Section III.
                                                                            Deductible                                              $0


                                                                        Why is General Liability
                                                                        Insurance important for Program
                                                                        Administrators?
                                                                        General Liability insurance protects you from claims or
                                                                        lawsuits involving Bodily Injury or Property Damage to others.
                                                                        If your team or league is comprised of 100% US Lacrosse
                                                                        members, then you, your organization, your volunteers
                                                                        and your board are protected from these lawsuits. 100%
                                                                        registered teams/leagues can also obtain Certificates of
                                                                        Insurance – and name field owners as Additional Insureds on
                                                                        the liability policy -- which is typically necessary in order to
                                                                        secure fields or facilities for the season.




                                                              MC_0000379A                                                            23
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