As a benefit of membership, soccer players, coaches, officials and other registered members receive accident and general liability insurance coverage for their Covered Activities of US Club Soccer via the Insurance Office of America, Inc. (IOA), as outlined below.
This information covers the short-term insurance coverage policy period of January 1, 2019 – July 31, 2019, as well as the standard policy period of August 1, 2019 – July 31, 2020.
This page is only a summary of the policy benefits, terms and conditions, and does not alter, broaden or limit coverage in any way.
This policy provides coverage for accidental medical injuries incurred by Insured Persons, while participating in Covered Activities of US Club Soccer. This is a full excess policy, meaning insurance is payable in excess of any other valid and collectible health plan or insurance in force at the time of the accident causing injury. All medical bills need to be processed through your primary insurance plan prior to submission to the claims administrator, A-G Administrators, Inc. To be eligible for coverage, medical and/or dental expenses must be incurred within the Benefit Period.
If you are covered by another full excess insurance policy (such as through a state association or other U.S. Soccer Member Organization) that is applicable during the time of injury, this policy will respond to eligible expenses on a 50/50 split with the other full excess insurance policy.
Policy Limits (per claim):
|Accident Medical/Dental maximum:||$100,000|
|Accident Death & Dismemberment:||$5,000|
|Deductible per claim:||$500 (applies to each covered accident)|
|Benefit Period:||52 weeks from date of injury|
Coverage limitations exist for some benefits.
Who is Covered:
Under the participant medical accident policy, the following are covered as Named Insureds: US Club Soccer and its member clubs, teams and leagues; all registered players and players participating in try-outs (7 consecutive days or fewer); all member coaches and officials; volunteers of the team or league and other participants affiliated with the Association.
Registered members and volunteers are covered when participating in the following covered activities:
No coverage is provided for:
This description of coverage summarizes the provisions of the U.S. Fire Insurance Company Participant Accident Medical policy issued to US Club Soccer. Should there be any discrepancy between the policy and this description, policy provisions will prevail.
This policy provides general and excess liability coverage for Named Insureds for the Covered Activities of the Association.
|Coverage:||Limit of Liability:|
|Liability – per occurrence:||$5 million ($1 million general liability + $4 million excess liability)|
|Liability – policy aggregate (per sanctioned event):||$7 million ($3 million general liability + $4 million excess liability)|
|Participant Legal Liability:||$1 million|
|Products/Completed Operations – aggregate:||$3 million|
|Damage to Rented Premises:||$1 million|
|Personal & Advertising Injury:||$1 million|
|Sexual abuse/molestation:||$1 million each occurrence|
|Medical payments (to non-participants):||$5,000 any one person|
Who is Covered:
The Association, its member clubs, teams and leagues, and its member players, coaches and officials are all Named Insureds under this policy with respect to operations and sponsored activities of the Association.
Certificates of Insurance:
Liability certificates of insurance will be issued on behalf of member clubs, teams and leagues to facility and field owners who need proof of coverage. Requests should be sent to US Club Soccer, who will process your request in conjunction with IOA.
Notable Exclusions or Limitations:
The usual Standard Commercial General Liability policy exclusions apply, such as Worker’s Compensation, Nuclear Energy, Pollution and Lead; also, use of trampolines and fireworks is excluded. No coverage is provided for parents, coaches or volunteers using any automobile to transport team members or volunteers to any practice, game or activity.
This description of coverage summarizes the provisions of the Everest National Insurance Company Commercial General Liability policy issued to US Club Soccer. Should there be any discrepancy between the policy and this description, policy provisions will prevail.