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The
NFHS Insurance Program is administered by Bollinger, Inc.
Bollinger is the 16th largest privately held insurance agency in the
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**** NOTE: For Membership questions, please call the NFHS at (317) 972-6900. |
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Insurance Company - General Information |
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Markel Insurance Company |
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Markel underwrites the Accident and Liability
programs that make up an important part of the benefit of membership in the
NFHS. Markel is rated “A” (Excellent) by A.M. Best’s rating
service. Markel has a strong history and reputation in such specialty
areas as Sports, Recreation and School insurance products. |
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What insurance benefits does my NFHS Officials Association Membership provide?
Your membership in one of the NFHS’s Professional Associations includes a package of insurance providing you with general liability, accident medical and accidental death and dismemberment insurance. These coverages are automatically provided to you as part of your membership dues. There is no additional fee for this insurance program.
1.
All
officials must be currently registered with a member state association, or with
an affiliate of the NFHS (if that association registers officials), in order to
be eligible for the NFHS Officials Association insurance benefit.
2.
State
and local officials’ associations that have 100% membership in the NFHS
Officials Association are included as additional insureds under the general
liability policy.
3.
Assignors,
instructors and rule interpreters who are currently registered with the NFOA
are covered under the liability insurance for claims involving Bodily Injury or
Property Damage. No liability coverage is provided for claims that do not
involve Bodily Injury or Property Damage.
Note: Coverage for alleged wrongful
acts not involving Bodily Injury or Property Damage is provided by a Directors
and Officers liability insurance policy and can be purchased separately. See
"Optional Insurance Coverages".
What Activities are Covered?
Members of the NFHS
Officials Association are covered for the following activities under the
insurance plan:
·
The
insurance coverage applies only while the member official is performing his/her
officiating duties (as defined below) during regularly scheduled sports or
activities competitions.
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In
order for a member to be covered for his/her officiating, the sport/activity
must be recognized in that state (or
·
If
the sport is recognized for either men or women in that state, territory or
possession, the official will be covered for officiating that sport for both
men and women.
·
Officiating
duties also include chain crews and attending officiating camps, clinics and
meetings.
·
Coverage
for officials is not limited to high school activities. It also extends
to officiating college, junior college, independent youth, adult and
recreational leagues. Coverage is limited only to officiating sports that
are recognized by that state’s high school association.
·
No
coverage is provided for the officiating or management of any professional
sport or activity.
·
Assignors,
instructors and rule interpreters while acting in their official capacity.
Note: No liability coverage is provided for claims that do not involve Bodily
Injury or Property Damage. See "Who Is Covered" above.
What is the
The general liability and accident policies protect
the members while in the
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NFHS Officials Association General Liability Insurance Summary |
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Limits of Liability |
$5,000,000 Aggregate Limit |
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$1,000,000 Per Occurrence Limit (includes Participant Liability) |
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$1,000,000 Products/Completed Operations Aggregate |
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$1,000,000 Personal Injury/Advertising Injury Limit |
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$100,000 Fire Legal Liability Limit |
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$10,000 Medical Payments (to non-participants only) |
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$0 Deductible |
What is Covered? The general liability policy provides coverage for claims or lawsuits that arise out of bodily injury or property damage during a covered activity. The policy also provides coverage for claims arising out of participant’s legal liability, personal injury, advertising injury and products or completed operations liability. Defense costs are included in the limit of coverage provided. This coverage is excess over any other valid and collectible insurance.
Notable Exclusions: The standard commercial general liability exclusions apply (such as War, Nuclear Energy, Absolute Pollution, Asbestos); in addition, the policy excludes coverage for abuse and molestation, the use of fireworks, and no liability coverage is provided to any member while driving any auto.
Insurance
Company: The General
Liability is underwritten by Markel Insurance Company, Glen Allen, VA. Markel is rated “A”
(Excellent) by A.M. Best’s rating service.
How to File a Claim |
For Liability
Claims
For a claim form
visit the web site at http://www.bollingernfhs.com
For Claims occurring on or after
If you are involved in an incident that results or could result in a liability claim, or if you are named in a lawsuit as a result of a covered activity under the NFHS policy, please contact Bollinger immediately. Such claims typically involve court deadlines -- please fax all legal notices of claim immediately to one of the Bollinger contacts below:
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Bollinger, Inc. |
Phone: 1-866-267-0093 |
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NFHS Liability Claims |
Fax: 1-973-921-2876 |
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John Spiotta, Senior Vice President - Sports Division |
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Phone: 1-800-350-8005, ext. 8087 |
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*** NOTE: For
Claims occurring prior to