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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. I don't know the exact number of participants in my Camp. How should I fill out the application where it asks for the number of campers?
  2. What does it mean when someone is asking me for an Additional Insured Certificate?
  3. Why do I have to purchase both Accident Medical and General Liability insurance for my League? What is the difference?
  4. How quickly can coverage be bound for my League?
  5. Why would my League need Directors & Officers coverage? Doesn't my General Liability policy protect my League and the decisions the officers may make?
  6. What activities are covered under the "Blanket Mandatory" insurance program?
  7. Under the Voluntary Student Accident Plan, are the premium rates paid each month?
  8. Does the Catastrophic Insurance Cover Non-Sport Activities?
  9. What are the college products you offer?
  10. What are the policy limits of these college coverages?
  11. What needs to be done to receive a quote for our intercollegiate coverage?
I don't know the exact number of participants in my Camp. How should I fill out the application where it asks for the number of campers?
  • Simply estimate the anticipated number of campers. If you have held Camps in previous years, you may use those numbers for your estimate.
  • After your Camp is completed, return your Audit form and include any additional participants or activities that were not reported at policy inception.
  • Your Audit report lists any applicable credit that you may have, that of course will be applied to any additional premium due.


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What does it mean when someone is asking me for an Additional Insured Certificate?
  • A specific facility that your organization may be planning to use, may request a Certificate with their name on it, enabling you to conduct your activities on their premises.
  • We require a written request from you, listing the facility's name and complete mailing address.
  • A Certificate will be issued and Emailed to you promptly.
  • These Certificates are provided as a courtesy to our clients.


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Why do I have to purchase both Accident Medical and General Liability insurance for my League? What is the difference?

To give adequate protection for both participants and coaches and to obtain playing fields, both coverages are needed. Accident Medical insurance protects the players and coaches from an accidental injury that happens during sanctioned practice or play. This insurance is excess to any other valid and collectible insurance that may be in place for players or coaches.

The General Liability insurance protects you, your League officials, and volunteers for any bodily injury or property damage to a third party that your League would be legally obligated to pay as a result of your negligence. Evidence of General Liability insurance is usually required by a field owner before a League can use that property.



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How quickly can coverage be bound for my League?
Coverage can bound the same day we receive and approve a completed application with its accompanying premium in our office. Evidence of insurance coverage in the form of a Certificate of Insurance will be issued when your account is processed.

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Why would my League need Directors & Officers coverage? Doesn't my General Liability policy protect my League and the decisions the officers may make?
Your General Liability policy may not cover certain types of lawsuits that involve such issues as discrimination, wrongful termination of a coach, suspension of League personnel, or rulebook disputes. This D & O policy would protect you and your League against these types of wrongful acts where your General Liability primarily covers bodily injury and property damage to a third party. No organization is immune from being named in a lawsuit. Disciplinary action against an individual who doesn't believe League rules have been violated could result in a suit against the organization. This policy would cover the legal costs related to defending the League against such a suit.

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What activities are covered under the "Blanket Mandatory" insurance program?
All activities, both sport and non-sport, are covered under a "Blanket Mandatory" plan. The activities must be school sanctioned and supervised by appointed school personnel. No rosters are needed under a Blanket Mandatory plan. Along with travel in school vehicles, practice and play are covered. When a school district purchases Blanket Mandatory coverage, K-12 field trip coverage is included at no extra charge. This field trip coverage is limited to day trips in school vehicles.

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Under the Voluntary Student Accident Plan, are the premium rates paid each month?

No, the rates shown on the brochure are the YEARLY rates. However, there is no prorata refund of premium if the coverage is purchased during the school year. The individual student effective date of coverage for the Voluntary Student Accident is when the application, along with premium, is received in our office. If the application is given to the school district, the effective date is when the school receives the check and application.

All school activities, with the exception of senior high football, can be covered by "at school coverage." There is a separate premium charge for senior high football.



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Does the Catastrophic Insurance Cover Non-Sport Activities?
At the discretion of the district, the Catastrophic Insurance can cover sport, non-sport, physical education classes, intramural, and all students of the district. There is a separate premium to cover these groups.

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What are the college products you offer?
For college athletics programs we offer both Basic Athletic and Catastrophic coverages. Basic Athletic coverage provides accident/injury insurance for all student athletes, managers, trainers, cheerleaders, and any other category of students you have elected to cover. Catastrophic, also known as Cat, provides extended coverage for students injured permanently or disabled while competing, traveling, or practicing. We offer Intramural and Club coverage as well as Staff AD & D for employees of the Athletic Department.

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What are the policy limits of these college coverages?

NJCAA and NAIA schools have Basic Athletic maximums of $25,000. Catastrophic coverage for these schools has a $25,000 deductible and a maximum benefit of $5 million. With the Cat deductible set at the policy maximum for Basic Athletic, schools have first dollar coverage by purchasing these two plans to $5 million.

NCAA schools have Cat furnished by the NCAA with a deductible of $90,000. Basic coverage for these schools has a maximum benefit of $90,000.



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What needs to be done to receive a quote for our intercollegiate coverage?
Simply complete the Quotation Request Form found in your brochure or call us at 800-247-1734 and we will email, fax, or mail you a form. Once we receive your completed form, we will provide quotes from several "A" rated carriers with no obligation on your part.

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6301 Southwest Blvd, Suite 101 | Ft. Worth, TX 76132
Phone: 800.247.1734 | Phone: 817.738.6899
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