NHSCA
 
National High School Coaches Association

Camp, Clinic, Tournament Insurance

INSURANCE

Rates | Limits of Coverage | Frequently Asked Question | This email address is being protected from spambots. You need JavaScript enabled to view it.

Purchase Insurance

 

 

Tournament, Clinic, Camp Insurance Rates:

Event Days Rates
1 $2.00
2 $2.80
3 $3.80
4 $4.80
5 $5.80
6 $6.80

 

*Participants include coaches, managers, staff members, team workers, officials, media personnel, VIPs, and other personnel who have been granted proper authorization to enter any "restricted areas"*

 
**As of January 1, 2014, there will be a $125 minimum on each certificate of insurance.

The NHSCA currently covers 29 sports and activities in 43 states.

 

 

Limits of Coverage:

General Aggregate Limit Unlimited**
Products – Completed Operations (Aggregate) $1,000,000
Personal And Advertising Injury   $1,000,000
Each Occurrence Limit $1,000,000
Damage To Premises Rented to you $300,000
Medical Expense (Premises) $5,000
Medical Expense - Coaches Overall Maximum $25,000
Sexual Abuse & Molestation Occurrence $1,000,000
Sexual Abuse & Molestation Aggregate $2,000,000
Legal Liability to Participants $1,000,000

  ** The General Aggregate Limit in unlimited and can exceed $10,000,000.  

 Please Note: You must be a current member of the NHSCA to purchase insurance.

 

 

Frequently Asked Questions:

 

DEFINITION OF OCCURRENCE / GENERAL AGGREGATE?

An “OCCURRENCE” is the accident that produced the Bodily Injury or Property Damage to one or more claimants. The most the insurer will pay for a single “OCCURRENCE” is $1,000,000. An aggregate limit is the maximum dollar amount your insurer will pay to settle your claims. Often the limit is referred to as an annual aggregate limit, which is just the total amount your insurer will pay in a single Policy Period. EXAMPLE: If there is a GENERAL AGGREGATE limit of $2,000,000 and there were THREE $1,000,000 Separate OCCURRENCES, the maximum payout would be $2,000,000. This would also exhaust the Policy Limit. However, with the GENERAL AGGREGATE Limit as “NONE” the same payout would be $3,000,000 and the policy limit would NOT be exhausted. This is an added benefit for being a member of the National High School Coaches Association (NHSCA).

 

WHAT IS GENERAL LIABILITY COVERAGE?

Often referred to as CGL, Commercial General Liability this policy provides broad protection for situations in which a business (i.e. your special event) must defend itself against lawsuits or pay damages for personal injury or property damage to third parties.  This policy also gives protection to the venue and or sponsors of the event by adding them to the policy as an additional insured. Examples such as a slip and fall or damaged floors are covered by such a policy.

 

I HAVE BEEN ASKED BY THE FACILITY THAT I HAVING MY EVENT TO ADD THEM AS AN "ADDITIONAL INSURED" TO MY POLICY. 
WHAT DOES THIS MEAN AND HOW DO I DO THAT?


An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments. You can add an entity as an additional insured under the certificate request section of the enrollment form. Please remember to provide their complete name, address and relationship to you. All requests must be in writing.


IS SEXUAL ABUSE AND MOLESTATION COVERAGE AVAILABLE?

Yes, Under the NHSCA Program, this coverage is included in the premium for NO additional Charge. The limits are $1,000,000 per Occurrence/ $2,000,000 Aggregate. Another benefit of being a member of the NHSCA.

 

WHAT IS PARTICIPANT LEGAL LIABILITY?

Participant Legal Liability (PLL) is coverage for when the participant claims the sponsor to be at fault (negligent) for an injury. Other programs DO not offer coverage for this Liability.

 

HOW SOON DOES MY COVERAGE START? WHEN WILL I RECEIVE PROOF OF COVERAGE?

Coverage can be bound once we receive a completed enrollment form and the appropriate premium. The effective date of coverage can either be the first day of set-up or the first day of your event. If your tournament or event has already begun, coverage will be bound and become effective the following day. We request that adequate time is allowed for us to process your enrollment form and issue certificates.

 

WILL I RECEIVE A POLICY AFTER I SUBMIT THE ENROLLMENT FORM?

You will receive a certificate of insurance as proof of coverage. Coverage is offered exclusively through the National High School Coaches Association (NHSCA). The NHSCA receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the NHSCA. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each enrolled member–there are no shared limits of liability with any other members. A copy of the NHSCA master policy can be requested in writing to Mattie Potter, NHSCA, One South Third Street, Ninth Floor, Easton, PA 18042.

 

HOW DO I CALCULATE THE PREMIUM? WHAT IS A MINIMUM PREMIUM?

Premium is based on the actual number of participants enrolled at the Camp/Clinic/Tournament. Multiply the number of Participants times the Rate for the Number of days and that is your premium for the event.

Example: 50 Participants for a 2 day event. 50 X (the 2 day rate of $2.00) = $100.00.

 

IS THERE A MINIMUM COST ASSOCIATED WITH THIS PROGRAM?

Yes, there is a minimum cost of $125 per certificate as of January 1, 2014.

 

WHAT METHODS OF PAYMENT DO YOU ACCEPT?
We accept credit or debit cards with the following symbols - MasterCard, Visa.


WHAT IS YOUR CANCELLATION/REFUND POLICY?
We understand that emergencies occur. For these reasons, if your request to cancel is provided in writing 48 hours prior to the covered event we will provide a full refund of the policy. Please send all requests to This email address is being protected from spambots. You need JavaScript enabled to view it. or mail the request to the NHSCA, One South Third Street, Ninth Floor, Easton, PA 18042. Be sure to include your policy number, insured name and date of covered event.

 


Purchase Insurance

1. Be/Become a member of the NHSCA.  Membership is $30 and valid one calendar year.  Click Here to Join!

2. Fill out this form.  Click Here!

3. Submit completed for to Mattie Potter via This email address is being protected from spambots. You need JavaScript enabled to view it.
**Certificates typically take 24-48 hours to process.

4. Once your camp begin, submit roster (participants first and last name) to Mattie Potter via This email address is being protected from spambots. You need JavaScript enabled to view it. or fax (610) 923-0800.