AYF: Brief Coverage Descriptions of All 5 Insurance Policies

Accident Insurance

Pays medical bills on behalf of injured participants on an excess basis after family health insurance, if any, has first responded. If there is no existing family health insurance, benefits are paid on a primary basis.

Covered persons include tackle and flag football players, cheerleaders, coaches, managers, officials, employees, volunteers, staff members, independent contractors, team workers, media personnel, and VIPs of the participating organization or plan sponsor.

Covered activities are scheduled, approved, and adult supervised team or association activities including but not limited to tryouts, practice, play, tournaments, clinics, fundraisers, award banquets, team outings, and parades including travel to and from the place of such covered activity. Coverage is included for set-up, tear-down, and management of each event.

Accident Medical Expense Benefits (full excess):

Maximum benefit amount: $100,000

Deductible (per injury): choice of $0, $100, $250, or $500

Accidental Death & Specific Losses: $10,000

The above is a brief summary of coverage for illustrative purposes. Please see the plan description for full details.

General Liability

Responds to certain lawsuits alleging bodily injury, property damage, personal injury (ex: slander, libel), and advertising injury. Most covered claims arise from bodily injury to a spectator or participant. The policy pays for legal defense and any adverse jury verdict or settlement amount.

Coverage is provided to the association as an entity and respective directors, officers, employees, and volunteers while operating within scope of official duties.

Covered applies to activities necessary and incidental to conduct of practices, exhibitions, scheduled and post-season games or competitions, and functions like meetings, awards banquets, and fund-raisers. Coverage also applies to the ownership, maintenance, or use of football fields, stands, and playing areas of AYF or AYC members.

Limits:

Each Occurrence                                                $1,000,000, $2,000,000, or $5,000,000

Sex Abuse & Molestation                                   $1,000,000

Non Owned & Hired Auto Liability                    $1,000,000

The above is a brief summary of coverage for illustrative purposes. Please see the plan description for full details.

Directors & Officers Liability

 Responds to certain lawsuits alleging “wrongful acts” such as discrimination based on age, sex, race, or handicap; failure to follow your own rules or bylaws when making administrative decisions; and wrongful suspension or termination of league personnel or players.

Coverage is extended to the covered association as an entity and respective directors, officers, employees, and volunteers.

Limits: $1,000,000 or $2,000,000

The above is a brief summary of coverage for illustrative purposes. Please see the plan description for full details.

Crime

Pays for financial loss due to insider:

  • embezzlement of funds 
  •  improper payment of personal expenses from league accounts or credit card charges
  •  theft of other property

Pays for financial loss due to outsider:

 Theft of money & securities

$25,000 limit

$500 deductible

The above is a brief summary of coverage for illustrative purposes. Please see the plan description for full details.

Equipment

Pays for financial loss to league equipment such as:

  • sports equipment and uniforms
  • field maintenance equipment
  • concession equipment
  • fences, bleachers, scoreboards, lights
  • small buildings

Covered perils:

  • fire
  • wind
  • theft
  • vandalism

The above is a brief summary of coverage for illustrative purposes. Please see the plan description for full details.