Association – Executive
Committee
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What does the NFHS Insurance cover?
What is your General Liability?
How do we minimize risk?
NFHS Coverage
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What Officials are Covered
Activities Covered
General Liability Benefit Summary
NFHS General Liability Benefit
Summary
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General Aggregate Limit – None
Products-Completed Operations Aggregate Limit $5,000,000
Each Occurrence Limit $1,000,000
Personal & Advertising Injury Limit $1,000,000
Damage to Premises Rented to You $300,000
Premises Medical Payments $5,000
Sexual Abuse & Molestation – Each Occurrence $1,000,000
Sexual Abuse & Molestation – Aggregate $2,000,000
Participant Legal Liability $1,000,000
Crisis Response – Each Event/Aggregate $25,000
Your General Liability
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NFHS membership coverage ONLY
extends to you as an individual!
It does NOT apply to your duties as a camp
or tournament director, nor does it cover
social events such as golf outings or annual
social events.
Does not cover decisions you may make as
an officer in the association.
Directors & Officers
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More Responsibility creates More Liability
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Suspension of a member
Failure to have or follow by-laws
Mismanagement of funds
Members file lawsuit against decision made
Negligence at an Association Training Event
How to Minimize Risk
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Follow IHSAA & NFHS Guidelines
Have and Enforce By-Laws
Accounting Practices
Insurance Coverage
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D&O
Event Coverage
Crime Insurance
150 Member Association Insurance
Cost Example w/o General Liability
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NASO-ON D&O
NFHS Crime Ins
Event Coverage
TOTAL:
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TOTAL PER MEMBER:
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$550/year
$290/year
$100/per event (2 EVENTS)
$1,040/year
$6.94/year
150 Member Association Insurance
Cost Example with General Liability
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NASO-ON D&O
NFHS Crime Ins
NASO Gen Liab.
TOTAL:
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TOTAL PER MEMBER:
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$550/year
$290/year
$940/year
$1,780/year
$11.87/year