MEMBER SCHOOL INSURANCE REQUIREMENTS
All member school principals must certify on the membership application that all of the coverage referenced below has been obtained,
and must also provide a certificate of coverage from their insurance carrier or broker for the catastrophic accident medical, catastrophic
disability and general liability coverage. The Board of Directors has established the following requirements with regard to insurance
coverage for member schools:
8.1 Athletic Medical Base Plan. Up to $25,000 limit is required for medical expenses for each participant
in interscholastic athletics sponsored, supervised and engaged by the school. The member school principal will be allowed to accept
certification from parents that the coverage is in place for the student-athlete on a family plan that meets this requirement. If the
student-athlete is not covered under his/her parents’ family plan, then the school must provide a plan for the student that will satisfy
these requirements. The student may purchase this plan individually or the school may purchase a blanket plan for all members of its
athletic teams. The principal must certify on the membership application that each student has the minimum coverage.
8.2 Athletic Catastrophic Accident Medical Plan. Minimum limits of $1,000,000 is required for
medical expenses for each participant in interscholastic athletics sponsored, supervised and engaged in by the school. This coverage
is to be in excess of the athletics base plan medical policy limits or the policy can include the base plan medical coverage within the
policy. The policy must provide no fault coverage.
8.3 Athletic Catastrophic Disability. Minimum limits of $500,000 is required for total disability of any
participant in interscholastic athletics sponsored, supervised and engaged in by the school. Structured pay-out benefits may vary.
Coverage must also include some limited benefits for partial disability. The policy must provide no fault coverage.
8.4 General Liability. A general liability plan with minimum limits of $1,000,000 is required.