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Insurance Program Summary - Youth (2020-21)

Overview

As a benefit of membership, soccer players, coaches, officials and other registered members receive excess participant accident medical and 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 insurance coverage policy period of August 1, 2020 - July 31, 2021.

This page is only a summary of the policy benefits, terms and conditions, and does not alter, broaden or limit coverage in any way.

Excess Participant Accident Medical Insurance

  • Carrier: United States Fire Insurance Company
  • Policy Term of Coverage: Aug 1, 2020 - Aug 1, 2021

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.

Schedule of Benefits / Policy Limits (per claim):

Plan Design:
  • Full excess benefits
  • Co-insurance: 80% of Usual, Reasonable & Customary (URC) Charges
  • Hospital Misc: $5,000 max
  • Surgeon, Anesthesia, Surgical facility: $5,000 max
  • Physio/Physical Therapy: $100/visit, up to $1,000 max
  • Prescription drugs: $1,000 max
Benefit Period: 52 weeks from date of injury
Incurral Period 1st Expense: 90 days
Accident Medical Maximum Benefit Amount: $100,000 per injury
Deductible corridor per claim: $500 (payments by other insurance does not reduce this deductible)
Accidental Death & Dismemberment benefit limit: $5000 principal sum


Coverage limitations exist for some benefits.

Description of Covered Persons:

All registered members of the Policyholder, including youth players, coaches, volunteers, managers and other staff members, and affiliate officials as approved by the Policyholder. Also, prospective registered members of the Policyholder participating in approved tryouts of seven (7) or fewer days with a member organization of the Policyholder.

Covered Activities:

Registered members and volunteers are covered when participating in the following covered activities:

  • Scheduled games, team practice sessions and sponsored activities, provided that they are under the direct supervision of a team official; or tournaments sanctioned by the Association, as a member of a contestant team.
  • Group travel, organized by the Policyholder, directly to or from such scheduled practices, games or sponsored activities.

Notable Exclusions (complete list of exclusions and limitations available via the Policy):

No coverage is provided for:

  • Sickness or disease
  • Injuries sustained traveling, except as specifically provided
  • The cost of eyeglasses, contact lenses or examinations, unless caused by a Covered Accident
  • The cost of dental treatment, except as specifically provided for injuries to sound, natural teeth
  • Any health-related expense
  • Cosmetic surgery, except for reconstructive surgery as a result of the accidental injury
  • Infection, except pyogenic or bacterial infection as a result of the accidental injury

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.

Liability Insurance

  • Carriers: Everest National Insurance Company (GL); Lloyd's of London (Excess 1); HDI Global Specialty SE (Excess 2)
  • Policy Term of Coverage: Aug 1, 2020 - Aug 1, 2021

These policies provide general and excess liability coverage for Named Insureds for the Covered Activities of the Association.

Policy Limits:

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
Brain Injury: $1 million
Products/Completed Operations – aggregate: $3 million
Damage to Rented Premises: $1 million (does not apply to individual member organization offices)
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:

National Association of Competitive Soccer Clubs Inc., DBA US Club Soccer, and its Member Organizations, Member Teams, Member Players, Member Coaches, Member Managers, Member Staff, Officials and staff/representatives are Named Insureds but only for liability arising directly from participation in an event or activity sanctioned or approved by US Club Soccer.

Covered Activities:

  • All sanctioned activities/events of the Named Insured Soccer Association
  • Claims for liability or negligence for bodily injury or property damage arising out of sponsored activities, its member teams, leagues and participants.
  • Liability for Personal or Advertising Injury, including false arrest, detention or malicious prosecution, or violation of right to privacy.

Certificates of Insurance:

Liability certificates of insurance will be issued on behalf of member organizations to facility and field owners who need proof of coverage. The process to request a COI is outlined on the main Insurance web page.

Notable Exclusions or Limitations:

The usual Standard Commercial General Liability policy exclusions apply, such as Worker’s Compensation, Nuclear Energy, Communicable Disease (including, but not limited to, COVID-19), Pollution and Lead; also, use of trampolines and fireworks is excluded. Coverage for Communicable Disease 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.

Other coverage situations

  • Camps. To the extent the "camp" is an internal activity limited to players of the applicable member organization who are registered with US Club Soccer, that is within the scope of the US Club Soccer-provided insurance coverage. If the activity is a true "camp" open to players outside of the member organization who are not registered with US Club Soccer, this camp falls outside the coverage the scope of the US Club Soccer-provided insurance coverage. Supplemental camp coverages are available by contacting IOA or a different broker.
  • Other coverage for member organizations. As detailed on the main Insurance web page, US Club Soccer strongly recommends member organizations obtain other insurance coverage that is not included within the US Club Soccer-provided coverage.