The information provided here is a general summary of the insurance coverage. It is not intended to be a full explanation of all provisions of the policy.

GENERAL LIABILITY COVERAGE SUMMARY

WHO is covered?
General Liability insurance is available to all NASO-ON member officials associations. General liability coverage will be provided to the NASO-ON member association, its officers, directors, and committee members while acting in the capacity of an officials association, or as an officer, director, or committee member of the association.

WHAT is covered?
General liability provides coverage for claims for bodily injury, property damage, and personal injury. Coverage extends to claims brought against the association by athletic participants (participant legal liability).

Coverage extends to typical activities of a local officials association and includes the assigning of game officials and the conducting of seminars, conferences, camps, clinics, and similar meetings designed to improve officiating knowledge and skills.

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NASO-ON member associations that purchase General Liability will now have coverage for unintentional errors and omissions, up to $50,000 per occurrence.

Coverage is provided for claims alleging a breach of duty as an officials association by reason of error or omission occurring while acting as an officials association or as an officer, director, or committee member of the association. This coverage does not eliminate the need for a Directors and Officers policy, but is an added benefit now included to address specific exposures of a local officials association.

WHAT are the policy limits?
The policy in which NASO-ON member associations are included provides up to a $3,000,000 per occurrence general liability limit with a policy aggregate of $4,000,000. The per occurrence limit is the most the policy will pay for all insureds for any one occurrence. The policy aggregate is the most the policy will pay for all claims that occur during the policy period.

The limit is $50,000 per occurrence for unintentional errors and omissions of the association, or its officers, directors, or committee members of the association. This limit is included, and not in addition to, the overall $3,000,000 occurrence and $4,000,000 aggregate limit stated above. The per occurrence limit is the most the policy will pay for all insureds for any one occurrence.

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WHEN does coverage begin and expire?
Coverage will begin once the enrollment form and premium are received by American Specialty. All policies begin and expire in September in a calendar year. For example, if a policy is received in the 2006 calendar year after 9/30/06, coverage will begin once the enrollment form and premium are received by American Specialty, and will expire on 9/30/07. Any NASO-ON member association purchasing coverage on or after 1/1/07 will pay a pro-rata fee.

NOTABLE policy exclusions include:

• Use of non-owned and owned automobiles or buses and aircraft
• Property of others in the care, custody and control of the insured
• Injury to an employee
• Liquor liability
• Medical malpractice
• Employment related practices
• War

No coverage is extended and no representations are made except by the policy. All claims will be evaluated on their own merit and all coverage issues will be determined by reference to the terms and conditions of the policy as issued.

General Liability Q&A

Q: Is premium adjusted for change in membership?
A: Premium is based on membership at the time of enrollment. Accurate membership figures should be provided at the time of enrollment. American Specialty reserves the right to audit membership numbers at any time.

Q: What should a NASO-ON member local officials association do if it thinks it has a claim or a potential claim?
A: An association leader should contact American Specialty at 800-245-2744 as soon as possible. In the event a lawsuit is filed, suit papers and other documentation should be sent to American Specialty by priority mail.

Q: Does this policy provide General Liability coverage for individual officials while officiating?
A: No, but officials who are members of NASO are provided with General Liability coverage.

General Liability Enrollment Procedures:
1) General Liability insurance is only available to NASO-ON member associations. Make sure your association is active with NASO-ON by calling 262-632-5448.

2) Complete the "Member Association General Liability Enrollment Form" for the General Liability coverage. The form should be completed by the president of your officials association or by a board member authorized to sign on behalf of the association.

3) Calculate the total fee due on the General Liability using the information at the bottom of the form.

4) Return the General Liability enrollment form along with a check payable to American Specialty Insurance & Risk Services, Inc. Coverage will not begin until the application and check are received by American Specialty.

A certificate of insurance will be returned to the contact person at your officials association evidencing General Liability insurance. If additional-insured certificates are required during the year, please contact Kris Whitted at 800-245-2744.

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Directors and Officers Q&A

NASO-ON offers an optional Directors and Officers insurance program for not-for-profit local officials associations. For-profit organizations are ineligible for the Directors and Officers (D&O) coverage.

D&O insurance will cover the local officials association, its directors and officers, committee members and employees for wrongful acts. Wrongful acts include actual or alleged errors or misstatements, omissions, negligent acts, misleading statements, or breach of duty committed by an insured in the performance of his or her duties on behalf of the insured officials association.These coverage limits apply:

• $1,000,000 limit for each loss$1,000,000 aggregate for the policy period$2,500 retention for each claimDefense costs are included within the limits stated above
• The cost of this policy depends on the size of your organization

Please note that D&O coverage is not purchased simply by completing the application. A proposal must be accepted first by the association.

Directors and Officers Q&A

Q: If I want to purchase D&O coverage, what do I do?
A: The association must complete the application and send it along with by-laws, financial information, and a list of the board of directors to American Specialty. Once information is received, a proposal will be returned to your association for review. If your association wishes to bind coverage, written documentation must be sent to American Specialty along with the original, signed application. Coverage will be effective the date American Specialty receives the order to bind. The policy will expire on 9/30/07.

Q: I am a member association and I want to purchase coverage on 1/1/07, will I pay a pro-rata premium for my coverage?
A: Your premium may be less depending on when you purchase the coverage, but it will be a minimum of $500 regardless of when the policy is bound. All D&O policies issued through NASO-ON will expire on 9/30/07.

Q: Why would a local officials association need D&O insurance?
A: Many directors and officers assume that because they have General Liability insurance, all of their exposures to loss are covered. This is not true. Directors and officers face risks that would not be covered by a General Liability policy. By purchasing D&O insurance, you can protect yourself against certain added exposures you have as a board member or committee member that is making decisions on behalf of the association.

For more information or to receive an application for D&O coverage:

1.) Check the designated box on the General Liability Enrollment Form, download the D&O application form or call Drew Smith at American Specialty Insurance at 800/245-2744. The application form should be completed by the president of your officials association or by a board member authorized to sign on behalf of the association.

2.) A proposal for D&O insurance will be sent directly to your association. If coverage is bound, the policy and proof of insurance will be returned to the contact person at your officials association evidencing D&O insurance. D&O insurance coverage will expire on 9/30/07.

Presented by:

National Association of Sports Officials-Organizations Network
2017 Lathrop Avenue
Racine, WI 53405

General Liability and Directors and Officers Insurance Program Administered by:

American Specialty Insurance & Risk Services, Inc.
142 North Main Street
Roanoke, IN 46783

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Contact Information

If a local association is interested in enrolling and is not yet a member of NASO-ON, contact:

NASO-ON Coordinator
2017 Lathrop Avenue
Racine, WI 53405
Phone: 262/632-5448

If individual members of the local association are interested in NASO membership, contact:

National Association of Sports Officials
2017 Lathrop Avenue
Racine, WI 53405
Phone: 262/632-5448

For insurance coverage questions or to report claims, contact:

American Specialty Insurance & Risk Services, Inc.
142 North Main Street
Roanoke, IN 46783
Phone: 260/672-8800
Fax: 260/673-1295
dsmith@amerspec.com

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