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YЄS-Athletics Insurance Program
General Liability Coverage
Who Is Covered
This program provides protection for all players, coaches, managers, and volunteers of the Policyholder, against
claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims.
Coverage is provided up to $1,000,000.00 per occurrence with a general aggregate amount of $3,000,000.00.
Coverage Includes Suits Arising Out Of:
● Injury or death of participants
● Injury or death of spectators
● Injury or death of volunteers
● Directors and Officers
● Property damage liability
● Host liquor liability (non-profit)
● Incidental medical malpractice
● All activities necessary to conduct of practices and games
● Ownership use or maintenance of fields or practice areas
● General negligence claims, cost of investigation and defense of claims, even if groundless
● Corporal punishment
● Optional non-owned automobile liability
Program Limits
$3,000,000.00 General Aggregate
$1,000,000.00 Each Occurrence
$1,000,000.00 Products / Completed Operations
$1,000,000.00 Personal & Advertising Injury
$ 100,000 Fire Damage (any one fire)
$ 0 Medical Expenses (any one person)
$ 500.00 Deductible per claim
Inclusions/Program Highlights: Occurrence-Form Policy, Coverage Included for Claims by Athletic Participants.
Exclusions:
War, Terrorism, Assault & Battery, Expected or Intended Injury, Abuse/Molestation, Asbestos, Nuclear Energy,
Total Pollution, Fungi or Bacteria, Aircraft or Watercraft, Total Fireworks/Pyrotechnics, Employment Related
Practices, Communicable Disease (Hepatitis, TSE, HIV, HTLV, or AIDS) Collapse of Temporary Structure, Lead
Liability, Professional Liability, Use of Trampolines, Cheerleading Pyramids, Sale/Manufacture/Distribution of
Athletic Equipment, Use of Saunas or Tanning Devices, Polo, Skin & Scuba Diving, Squash, Snow Skiing, Water
Skiing, Whitewater Rafting, Bungee Jumping, Mountain Climbing, Rock Climbing, Motor sports, Rodeo or any
Equestrian Related Sports, Waterslides, Ballooning, Parachute Jumping, Luge, Tobogganing, Gymnastics.
Participant Accident Medical Protection Program
Who Is Covered
All Participants and Staff of the Policyholder are covered while participating in sponsored and supervised activities.
A covered person is also covered while traveling, directly and without interruption, to and from any Policyholder
sponsored and supervised activity and his or her home or place of residence.
Accidental Death & Dismemberment
If a covered injury results in any of the losses specified below within one year after the date of the accident, the
company will pay the applicable amount.
● 100% of Full Principal Sum for loss of life, both hands or both feet, entire sight of both eyes, one hand and one
foot, one hand and entire sight of one eye, one foot and entire sight of sight in one eye, loss of speech and
hearing in both ears, total paralysis of both upper and lower limbs.
● 50% of the Principal Sum for loss of one hand, one foot, sight of one eye, loss of speech, loss of hearing in both
ears, total paralysis of both lower limbs, paralysis of upper and lower limbs on one side.
● 25% of the Principal Sum for loss of index finger and thumb of same hand
If the Principal sum is payable, no indemnity will be paid for dismemberment. In any event, the double
dismemberment indemnity is the maximum amount payable under this benefit for all losses resulting from one
accident. Loss of a hand or foot means complete severance through or above the wrist or ankle joint. Loss of sight
means the total, permanent loss of sight of the eye. The loss of sight must be irrecoverable buy natural, surgical or
artificial means. Loss of speech means total, permanent and irrecoverable loss of audible communication. Loss of
hearing means total and permanent loss of hearing in both ears which cannot be corrected by any means. Loss
of a thumb and index finger means complete severance through or above the metacarpophalangeal joints.
Maximum Medical Expense Benefit
If the Covered Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges
incurred for such expense within 52 weeks, beginning on the date of accident. Payment will be made for eligible
expenses not to exceed the Maximum Medical Expense Benefit stated in the policy. The first such expense must
be incurred within 90 days after the date of the accident.
Excess Coverage: This Plan does not cover treatment or service for which benefits are payable or service is
available under any other insurance or medical service plan available to the Insured Person.
Exclusions and Limitations*
This Plan does not cover any loss to or resulting from:
● Sickness or disease in any form, except phylogenic infections due to an accidental cut or wound.
● The use of drugs or narcotics, unless administered under the advice of a physician.
● War or any act of war, whether or not declared.
● Participation in any riot or civil commotion.
● Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a
regularly scheduled commercial airline.
● Suicide or any attempt thereat or any self-inflicted injury.
Nor does the Plan cover:
● Medical service provided by any person or facility employed or retained by the Policyholder or member
organization.
● Medical service provided by any member of the Insured Person’s family or household.
● Dental treatment, except as the result of a covered injury.
● The repair or replacement of any artificial dental restoration.
● Expenses payable under any Workers Compensation Law or similar legislation.
● Injury sustained while riding in or on any two or three wheeled engine driven vehicle.
If you have any question regarding this insurance coverage, please address them in writing, via email, to:
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