Q: Why do we have to buy both Accident Medical and General Liability coverages?
A: It is a requirement of the General Liability carrier, Capitol Specialty Insurance Companies, that Accident Medical coverage be in place.

Q: Who are covered participants?
A: Covered participants are the player(s), coach(es) and manager(s) of a team, league or association for whom which premium has been received.

Q: What is Excess Accident Medical Coverage?
A: This means that the policy pays after any other insurance is payable. If no other insurance is available (Group, Individual, Auto) this policy becomes primary and pays the claims after the deductible has been satisfied. Also if there is other coverage this plan would pay out of pocket expenses like deductibles and co-insurance.

Q: Is travel in my personal auto covered under the Accident Medical or General Liability policies?
A: There is coverage under the Accident Medical Policy, on an Excess basis, when traveling to or from a sponsored activity. There is no coverage under the General Liability Policy.

Q: Who pays the claims?
A: Accident Medical claims are paid by Capitol Indemnity Insurance Company and the General Liability claims are paid by Capitol Specialty Insurance Company.

Q: How are participants added to or deleted from these plans?
A: The insurance companies have assumed in their pricing that the number of participants shown on the application will remain constant throughout the policy term. No additional premium or refunds will be made during the policy term.

Q: Is this coverage just for the season or for a full year?
A: Coverage will be written under the Master Policy (except Tackle Football). All premiums paid are considered fully earned premium.  The Master Policy is Effective January 1 and Terminates the following January 1.

Q: Why are we required to pay for Accident Medical insurance when most players have medical coverage through their parents?
A: The Accident Medical coverage is written on a mandatory basis as a requirement of the General Liability insurance company.

Q: Will we receive a copy of the Policies.
A: No. Each team, league or association will receive a Certificate of Insurance (includes policy numbers, coverage outline and effective dates of coverage), along with a Schedule of Benefits.

Q: Does the General Liability Insurance provide coverage for facilities that we may use or rent?
A: Yes. If the facility requires to be named as an additional insured, coverage can be added upon written request. Additional Insured Certificates will cost $35.00.

Q: How often do I pay the premiums?
A: Premium is paid once a year at initial enrollment.

Q: Why do we need this type of coverage?
A: In today's litigious society, every organization is vulnerable to lawsuits. Accident Medical Insurance provides valuable protection for the participant.  General Liability Insurance is generally required when using playing fields, so this important coverage allows your organization to comply with those requirements, while also protecting the organization from possible litigation.  For more information, please visit our Why We Need General Liability page.

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