What automatic coverages are included with your Eastern Pennsylvania Youth Soccer membership?
General Liability, Accident, Umbrella, Directors and Officers
What is the difference between General Liability and Umbrella coverage?
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.
What does General Liability insure against?
Bodily injury, property damage, personal injury and advertising injury claims and lawsuits.
Can a field owner be named as additional insureds?
Yes. It is common practice. A Certificate of Insurance (COI) is proof of insurance that is provided by the user to the owner/operator.
How does Excess Medical insurance work?
A person’s primary medical insurance is the first line of coverage in the event of an injury. Should out of pocket costs exceed their policy’s amount of coverage, our excess medical may be accessed. There is a $500 deductible, which means you are required to cover the first $500 after your primary care, before the excess medical policy takes effect. Medical and dental expenses are covered up to a max of $500k.
Are players and coaches covered?
Yes- all registered players, coaches associated volunteers or staff members of a member organization are covered when participating in sanctioned activities and events.
Why does an event need to be sanctioned by Eastern Pennsylvania Youth Soccer for coverage to apply?
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.
What does Directors & Officers Liability insure?
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).
Is coverage available for property and equipment owned by member clubs?
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.
Would a lawsuit alleging negligence bring a response from the insurance carrier?
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.
Can I be sued as a board member and does PA have any protective laws?
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/Protection
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.