What does the nfhs insurance cover?


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What does the NFHS Insurance cover?

  • What does the NFHS Insurance cover?

  • What is your General Liability?

  • How do we minimize risk?


What Officials are Covered



General Aggregate Limit – None

  • General Aggregate Limit – None

  • Products-Completed Operations Aggregate Limit $5,000,000

  • Each Occurrence Limit $1,000,000

  • Personal & Advertising Injury Limit $1,000,000

  • Damage to Premises Rented to You $300,000

  • Premises Medical Payments $5,000

  • Sexual Abuse & Molestation – Each Occurrence $1,000,000

  • Sexual Abuse & Molestation – Aggregate $2,000,000

  • Participant Legal Liability $1,000,000

  • Crisis Response – Each Event/Aggregate $25,000



NFHS membership coverage ONLY extends to you as an individual!

  • NFHS membership coverage ONLY extends to you as an individual!

  • It does NOT apply to your duties as a camp or tournament director, nor does it cover social events such as golf outings or annual social events.

  • Does not cover decisions you may make as an officer in the association.



More Responsibility creates More Liability



Follow IHSAA & NFHS Guidelines



NASO-ON D&O $550/year

  • NASO-ON D&O $550/year

  • NFHS Crime Ins $290/year

  • Event Coverage $100/per event (2 EVENTS)

  • TOTAL: $1,040/year

  • TOTAL PER MEMBER: $6.94/year



NASO-ON D&O $550/year

  • NASO-ON D&O $550/year

  • NFHS Crime Ins $290/year

  • NASO Gen Liab. $940/year

  • TOTAL: $1,780/year

  • TOTAL PER MEMBER: $11.87/year




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