NAYS Member Insurance Policies
Insurance already included with active NAYS Memberships

Each NAYS Coach receives $2,000,000 Excess General Liability insurance coverage. The coverage increases and adds an additional $250,000 in Excess Accident Medical insurance once the member renews his/her membership after the first year. A NAYS Coach is covered while acting in their capacity as a coach during youth sport activities, which are defined as non-scholastic sports involving participants 19 years of age and younger. In order for coverage to apply, the coach or official must be trained in the sport in question. This excess insurance will pay all sums above primary insurance up to the policy limits which a NAYS Coach becomes legally obligated to pay for claims arising out of bodily injury, property damage, and personal injury as outlined in the policy of insurance.
NAYS Select Coaches receive $2,000,000 in Excess General Liability insurance and $250,000 in Excess Accident Medical insurance.

Excess General Liability: NAYS League Directors receive Excess General Liability coverage, which covers NAYS League Directors while acting in their capacity as administrators in youth sports activities if they become legally obligated to pay for claims arising out of bodily injury, property damage and personal injury. The limit is $2,000,000 per occurrence with a $4,000,000 General Aggregate. There is a sublimit for abuse and molestation claims of $1,000,000 per occurrence with a $2,000,000 General Aggregate.
Youth sports organizations may also need to carry Workers Compensation, Business Auto, Umbrella Liability, Property and other coverage unique to each program. Despite the need for each youth sports organization to investigate various types of coverage, the Accident and General Liability insurance remain mainstays in the field of youth sports.

Excess General Liability: Covers NAYS Officials, but only while acting in their capacity as officials during youth sport activities, which are defined as non-scholastic sports involving participants 19 years of age and younger. This excess insurance will pay all sums above primary insurance up to the policy limits which NAYS Officials become legally obligated to pay for claims arising out of bodily injury, property damage, and personal injury as outlined in the policy of insurance.
Policy limit is $2,000,000 per occurrence with $4,000,000 general aggregate.
Please keep in mind that this information is not intended as legal advice, and whenever making decisions for your program it is always best to consult with an attorney. Coverage descriptions of policies mentioned above are summaries.
The policies are contracts that specifically and fully describe coverage. Certain terms, conditions, restrictions and exclusions apply. Coverage terms and conditions may vary by state. The policies may not be available in all states. Please refer to the policies for detailed terms and conditions. If there are any differences or inconsistencies between the terms and conditions in the overview and the policies, the policies will govern.