What to do if involved in a suit?
Camp coverage, certificates of insurance, participant/accident insurance?
As a membership benefit, coverage is provided by the Commercial General Liability Policy issued to the National Organization of Coaches Association Directors. This policy will protect the Indiana Basketball Coaches Association and its active members who are high school coaches, junior high coaches or elementary coaches from claims made by negligent acts accidentally committed resulting in bodily injury, personal and advertising injury or property damage to others.
Carrier: HDI Global Specialty (A Rated)
Policy period: Aug. 1, 2024, through July 31, 2025.
Limits of insurance: $1,000,000, each occurrence; $2,000,000, general aggregate (per member); $1,000,000, products/completed operations; $1,000,000, personal/advertising injury; $300,000, fire damage; $50,000 sexual abuse (per member); excluded, medical payments.
Coverages: Educator Professional Liability; Participant Legal Liability for insured members; Liability assumed under insured written contract; Defense Cost outside limits.
Exclusions: The use of automobiles, buses, watercraft and aircraft; Property of others in the care, custody, and control of the insured; does not apply to members who coach at an All-Star game that is not approved by the state association; does not apply to any loss, cost or expense arising out of infectious or communicable disease.
Camp coverage: Please note that our General Liability Program follows all members while working at camps and/or conducting their own personal camp. In addition, Participant/Accident Coverage is required for coaches and/or participants. Should an accident occur during your camp, clinic or event, this secondary coverage helps offset the loss suffered by families affected by such accidents.
Procedure for Camp Insurance: As a member benefit of the IBCA, all members in good standing have a $1,000,000 per occurrence General Liability policy that provides coverage for their coaching activities. In order to protect the General Liability policy from potential claims, the insurance company has mandated that all coaches must obtain signed waivers and provide Participant/Accident insurance for their participants.
In order to obtain a Certificate of Insurance showing proof of insurance or naming an additional insured, the following must be in place:
- Waivers: Signed waivers showing indemnification language;
- Participant/Accident Insurance: You must have Participant/Accident coverage in place for all participants attending sports camps;
- Camp Insurance Request form is available at: www.loomislapann.com.
For any additional information: Please contact Loomis & LaPann Inc., 18 Exchange St., P.O. Box 2158, Glen Falls, NY 12801. Phone: 800-566-6479. Fax: 518-792-3426. Website: http://www.loomislapann.com
Greg Joly, gjoly@loomislapann.com
Lori George, lgeorge@loomislapann.com
Karen Boller, kboller@loomislapann.com
Disclaimer: This is an insurance overview for summary purposes only; for complete policy terms and conditions, please refer to the NOCAD Master Policy.
