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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 provide general liability coverage to the Tennessee Athletic Coaches Association and its members.
Carrier
HDI Global Specialty (A Rated)
Policy Period
August 1, 2024 - August 1, 2025
Limits of Insurance
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Each Occurence |
$1,000,000 |
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General Aggregate (per Member) |
$2,000,000 |
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Products/Completed Operations |
$1,000,000 |
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Personal & Advertising Injury |
$1,000,000 |
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Fire Damage |
$300,000 |
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Sexual Abuse (Per Member) |
$50,0000 |
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Medical Payments |
Excluded |
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Coverages Provided by this Policy
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Educators Professional Liability
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Participant Legal Liability for insured members
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Liability assumed under insured written contract
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Defense Cost outside limits
Exclusions
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The use of automobiles, buses, watercraft and aircraft
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Property of others in the care, custody, and control of the insured.
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This insurance does not apply to members that coach at an All -Star game that is not approved by your state coaches association.
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This insurance does not apply to any loss, cost or expense arising out of infectious or communicable disease.
Camp Insurance
Today, most Coaches are involved in some type of sports camp. Please note that our General Liability Program follows insured 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 a camp, clinic or event, this secondary coverage helps offset the loss suffered by families affected by such accidents.
New Procedure for Camp Insurance
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Participant Waivers - Signed waivers must be in place for all participants attending camps. The waiver must have indemnification language and acknowledgement that primarymedical insurance is in place for the participant.
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Participant/Accident (Medical) - If you cannot secure such a waiver, you must purchase coverage for all participants attending your camp.
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Additional Insured/Certificate of Insurance - If you require a certificate of insurance naming an additional insured, you must purchase the Participant/Accident (Medical) coverage for all participants attending your camp.
As a member benefit of your state coaches association, all members in good standing have a $100,000 per occurrence General Liability policy limit 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:
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Wavers: Signed wavers showing indemnification language
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Participant/Accidental Insurance: You must have Participant/Accident coverage in place for all participants attending sports camps. (This coverage is available to member coachesat a discounted rate. Please complete the Camp Insurance Request Form for a quoatation).
For any additional information please contact Loomis & LaPann, Inc. at 800-566-6479 or by Fax 518-792-3426 www.loomislapann.com
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Greg Joly |
gjoly@loomislapann.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it |
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Lori George |
lgeorge@loomislapann.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it |
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Karen Boller |
kboller@loomislapann.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it |
Disclaimer: This is an insurance overview for summary purposes only; for complete policy terms and conditions please refer to the NOCAD Master Policy.
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