The 2019 Guide to the US Lacrosse Insurance Program - For Registered Members of US Lacrosse
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
The 2019 Guide to the US Lacrosse
Insurance Program
For Registered Members of US Lacrosse
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 2 MC_0000379A
Section I: Introduction
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)
4 MC_0000379A
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
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.
6 MC_0000379A
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)
MC_0000379A 7
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.
8 MC_0000379A
Section II: How does the US Lacrosse Insurance Program protect me?
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).
10 MC_0000379ABasic 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 11Covered 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.
12 MC_0000379AGeneral 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 13I 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_0000379A3. 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 15Basic 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_0000379AGeneral 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 17I 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_0000379ACovered 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 19Basic 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_0000379AGeneral 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 21I 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_0000379A3. 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 23You can also read
