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Insurance

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    • About Us
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    • Girls Rosters
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  • Coaching Education
    • Why Coaching Education
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    • Licenses/Courses
    • Training Plans
    • State Coaching Certificate
  • Programs/Camps
    • Growing the Game
      • See It, Be It Initiative
      • Innovate to Grow Grant
      • Grow the Game Fund
    • Resident Camp
    • LeadHER
    • Soccer Parenting Association
    • Union League’s Good Citizenship Award
    • TOPSoccer
    • Respect
    • Eastern Pennsylvania Developmental Referee Program
    • US Youth Soccer Programs
  • News & Events
    • News
    • Videos
    • US Soccer Meetings
    • Business Seminar
    • Annual Awards Banquet
      • Past Recipients
    • Annual General Meeting
    • Events
    • Touchline
    • The Evolving Game
  • Resources
    • Field & Goal Standards
    • Soccer Job Openings
    • Referees (EPSARC.org)
    • Dick’s Sporting Goods Community Programs
2024-25 insurance summary (pdf)

2024-25 Certificates of Insurance (COIs) Request Form Below:

Complete the form below to provide owners or operators of game and practice facilities proof of liability insurance before allowing member organizations to use those facilities. Standard COI requests take 2-3 business days to process. If special wording is needed, the processing time will be more. Please ensure you allow ample time for your request.

Organizations making requests must be Eastern Pennsylvania Youth Soccer members in good standing with an Annual Membership Affiliation Form on file. All COI requests must be made by the organization’s Insurance Coordinator or President.

As of September 1, 2022, bulk completed certificates will be sent to the Club President. Additionally requested COIs will be sent to the Insurance Coordinator for the organization. As a reminder, this individual is required to be listed in the organization’s GotSport Club Admin portal. It is their responsibility to make sure the property owner receives the certificate.

If you are requesting a certificate for a commercial facility, Eastern Pennsylvania Youth Soccer will only issue a certificate if the commercial facility is a sanctioned facility.

request form for certification of insurance

Please contact Eastern Pennsylvania Youth Soccer regarding any questions about Certificates of Insurance – mpetroski@epysa.org​.


Medical Claim Procedures:
Any accident prior to September 1, 2022, please reach out to the State Office
Any accident or injury on or after September 1, 2022, please use the instructions below:

Player’s Health Insurance Claim Form
Health Insurance Claim Form Link

Complete the online claim form found above. Once the claim has been submitted, Player’s Health will reach out to you directly. Claim forms should be submitted as soon as possible (within 60 days from date of injury). Player’s Health will then collect itemized bills, Explanation of Benefits (EOBs) from your primary carrier, any cancelled checks for bills you have paid relating to this injury, or any other necessary medical documentation. If you do not have primary insurance coverage, please make Player’s Health aware of this once they have contacted you.

Medical Insurance Coverage
Medical coverage for travel teams is paid through the Primary League they participate in. Recreational clubs are paid through the league they play in. Intramural leagues pay Eastern Pennsylvania Youth Soccer directly. If your club/league purchased the coverage, then there is a $500 deductible (this $500 is not applied towards your primary deductible, you will have $500 deducted from the amount you are requesting for a refund). You should check with your organization before completing the paperwork for a claim.

If you have any questions regarding the insurance process, please contact: mpetroski@epysa.org.


Please review the Insurance Frequently Asked Questions below if you have any questions!

General Liability, Accident, Umbrella, Directors and Officers

General liability provides primary coverage of $1M for indemnification and defense costs for EPYSA and member clubs. Umbrella coverage provides additional coverage of $5M in excess of the primary general liability coverage.

Bodily injury, property damage, personal injury and advertising injury claims and lawsuits.

Yes. It is common practice. A Certificate of Insurance (COI) is proof of insurance that is provided by the user to the owner/operator. 

Yes. It is common practice. A Certificate of Insurance (COI) is proof of insurance that is provided by the user to the owner/operator. 

Yes- all registered players, coaches associated volunteers or staff members of a member organization are covered when participating in sanctioned activities and events.

Insurance coverage only applies to sanctioned activities or events. A sanctioned activity or event is one operated under the auspices of Eastern Pennsylvania Youth Soccer, US Youth Soccer or US Soccer. In general, most competitions are sanctioned. Some tournaments and leagues (beach soccer, indoor soccer or futsal) are not. Our policy does not follow you to these unsanctioned activities. To confirm that an event is sanctioned, look for the operators “application to host” which should be posted on their website. If still unsure, please check EPYSA.org or contact the state association office.

Eastern Pennsylvania Youth Soccer, member clubs, and their board members and officers are insured against allegations of wrongful acts pertaining to decisions made on behalf of the organization (subject to policy exclusions).

Yes. Eastern Pennsylvania Youth Soccer has obtained a master policy which allows member clubs to secure coverage for equipment coverage and crime (dishonesty) coverage for club funds. This coverage must be purchased at the club level and is not automatically provided.

Typically, yes, but negligence is somewhat of a broad term. This is more directed at a Board of Directors claims matter as the General Liability policy deals with Bodily injury, Property Damage, Personal & Advertising Injury claims. Under the Directors & Officers policy, coverage is defined as for wrongful acts. See the policy verbiage below:

“Wrongful Act” means any actual or alleged:

1. act, error, omission, misstatement, misleading statement, neglect or, breach of duty, including a Personal Injury Wrongful Act or Publisher Wrongful Act by any Insured Person in their capacity as such or in an Outside Capacity or, with respect to Insuring Agreement C, by any Insured Organization.

The word neglect is included. It depends on how the claim is worded of course and what the allegations are, but it would not be the intent of the policy to cover anything related to a sickness claim. The chance of any D&O policy covering a sickness claim would be extremely remote – this is not the line of coverage that addresses those types of claims.

If the negligence suit was a result of a pandemic illness, there is an absolute BI/PD exclusion on the General Liability form so Covid-19 claims alleging any sort of sickness/illness would likely be excluded there as well.

Yes, you can be sued as a member of your board of directors and that’s why you have a D&O policy to protect your personal assets. Pennsylvania does not have any protective laws for non-profit board members.

Sexual abuse coverage is provided under the general liability policy limits. Limits are as follows: $1M each occurrence, $2M aggregate.

Lawsuits brought against clubs alleging liability as a result of an injury or property damage involving a vehicle that was hired or not owned is covered under the general liability policy. Clubs with owned autos must secure their own auto coverage.

Use of golf carts is covered; however, operators must have a driver’s license and it is preferred that they are at least 21 years old.

Non soccer related activity, such as club or team parties, fundraisers, and other special events may be covered. There are exclusions for bounce houses, trampolines, fireworks, food trucks etc. Vendors must provide you with a COI and name the organization as additionally insured and must contact Eastern Pennsylvania Youth Soccer to confirm that the event will be sanctioned.

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