2021 US Lacrosse Member Insurance Program Guide
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2021 US Lacrosse Member
Insurance Program Guide
USLACROSSE.ORGTABLE OF CONTENTS S E C T I O N 1 : I N T R O D U C T I O N .... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Insura n ce/ Ri sk M g m t Co m m itte e . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ............. 5 USL In su ra n ce P r o g ra m B e nef its .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ............. 5 Insura n ce Pro gra m a t a G l a nce . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ............. 7 S E C T I O N I I : H O W D O E S T H E U S L AC R O S S E I N S U R A N C E P R O G R A M P R O T E C T M E ? . ....................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 0 I A m a Pl ayer ...... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 11 I A m a Co ac h ...... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 15 I A m an Of fi c i al /A s s ig ne r .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 21 I A m a Pro gra m Ad m inis tra to r . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 26 I A m a F an / In ter na tio na l M e m b e r . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 29 USL S an c t i o n ed To ur na m e nts .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 29 S E C T I O N I I I : I N S U R A N C E P O L I C Y D E TA I L S . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 1 Acci den t M edi ca l P l a ns .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .......... 32 Base Acc i den t P o l ic y .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 33 C at a st ro ph i c Acc id e nt P o l ic y . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 36 Acci den t C l ai m s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 39 L i ab i l i t y Pl a n s: G e ne ra l a nd E xce s s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 41 How to H a n dl e a Lia b il ity C l a im . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 44 Di rec to rs & O f fi ce r s Lia b il ity (fo r Ce r tif ie d Coache s/Of f i ci al s).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 55 S E C T I O N I V: O P T I O N A L I N S U R A N C E P L A N S ( F O R P U R C H A S E ) . . . . . . . . . . . . 4 7 Op ti o n a l In su ra nce P l a ns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 48 Di rec to rs an d O f f ice r s Lia b il ity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 49 C ri m e In su ra n ce . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .......... 51 C y ber L i a bi l i t y.... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 53 E qu i pm en t In sura nce.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 54 Coac h es/O f fi c i a l s A l l -S p o r ts P l a n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 55 Insure Team s & Le a g ue s fo r Lia b il ity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .......... 58 Pea ce of Mi n d End o r s e m e nt.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 59 Ot her Opt i o n al Cove ra g e s.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 60 2 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
Hi re d/ N o n - Ow n e d Auto Lia b il ity I ns ura n ce .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 61
S E C T I O N V: A D D I T I O N A L I N F O R M AT I O N . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 3
US L ac ro sse Ri sk M a na g e m e nt a nd I ns u ran ce Re spon se to COV ID-19.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 64
RPS Co n t ac t In fo r m a tio n.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 66
USL In su ra n ce G uid e D is c l a im e r . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........... 67
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
3S EC T ION #1
Introduction
4 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EUS LACROSSE INSURANCE/RISK MANAGEMENT
SUBCOMMITTEE
The US L a c ro sse I ns ura nce /R is k M a na g e me n t commi tte e ( I/ RM ), a subcommi tte e of the
US L ac ro sse F i na nce a nd Aud it Co m m itte e , ove r se e s al l i n suran ce an d r i sk man ag e me n t activities
for U S L a c ro sse. Th e co m m itte e a nnua l l y eval uate s an d make s r e comme n d ati on s con ce rning
t he o rgan i za t i o n’ s m e m b e r s h ip ins ura nce pr og ram an d busi n e ss i n suran ce cove rag e s to ensu re
t hat t h e o rgan i za tio n a nd its m e m b e r s ar e appr opr i ate l y i n sur e d . The commi tte e , i n conju nction
wi t h t h e i n su ra nce p r o g ra m a d m inis tra tor , i s al so r e spon si bl e for con ti n uousl y eval uating and
st re n gt h en i n g th e r is k m a na g e m e nt p o li ci e s an d pr oce d ur e s of the or g an i zati on . The I/R M
com m i t tee a l so m a ke s r e co m m e nd a tio ns to the U S L acr osse B oar d of Di r e ctor s for ad d itional
i ns u ran ce covera g e s a nd a s s o c ia te d r is k man ag e me n t practi ce s for con si d e rati on an d approval,
as needed.
The US L a c ro sse I ns ura nce a nd R is k M a n ag e me n t Subcommi tte e i s compose d of the following
i nd i v i du al s, eac h of w h o m b r ing s a d e pth of pr ofe ssi on al ex pe r i e n ce r e l ati ve to i n surance, law
and ri sk m a n age m e nt:
Ap p oi n te d Com mi ttee Members
Mark O t to , C h air (P itts b ur g h , PA )
Bob M o n gel u z z i (P h il a d e l p h ia , PA )
Joe Ma n n es ( D a l l a s , TX)
Brad Ro bi n so n (I nd ia na p o l is , I N )
U S L a c ros s e S t a f f a n d Pro g ra m Ad mi n is t ra to r
Steve S ten ersen , U S La c r o s s e C E O (s ta f f )
C ara Mo rri s, V P of Fina nce a nd Ad m inis trati on ( staf f )
L ori W i n do l f C ri s p o , P r e s id e nt, R P S Bo l li n g e r ( i n suran ce pr og ram ad mi n i strator )
BENEFITS OF THE US LACROSSE MEMBER INSURANCE
PROGRAM
At US L ac ro sse, o ur g o a l is to c r e a te th e hi g he st q ual i ty l acr osse ex pe r i e n ce for our me m bers
so th a t t h ey can e nj oy a l ife tim e w ith the spor t i n var yi n g r ol e s. Thi s can on l y happe n i f
p art i c i pan t s h ave a f un a nd s a fe ex p e r ie n ce an d i f — d e spi te a pote n ti al i n jur y — they are able to
get ba c k i n t h e g a m e . R is k m a na g e m e nt an d pl aye r safe ty ar e cr i ti cal to our abi l i ty to ach ieve
t hese go a l s.
A key a spec t of o ur r is k m a na g e m e nt p l an to pr ote ct me mbe r s i s the U S L acr osse M e m ber
Insura n ce Pro gra m . Th is I ns ura nce Guide d e tai l s the i n suran ce pr og ram be n ef i ts by me mber
catego r y , as wel l a s by p o l ic y ty p e . Co nt i n ui ty i s cr uci al an d thi s g ui d e hi g hl i g hts many
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
5i mp o rt an t feat u r e s of th e U S L M e m b e r In suran ce Pr og ram:
• Hi g h -l i m i t Acc i d ent a n d C a ta s t ro phic I n s u ra n ce to cove r me mbe r s f r om i n jur y up to
$ 1 ,0 0 0 ,0 0 0 i n m e d ica l ex p e ns e s
• Hi g h -l i m i t Ge n era l L i a bi l i ty pro tec tio n ( $3, 000, 000 pe r occur r e n ce / $7, 000, 000 ag g regate per
lo ca t i o n ) fo r m e m b e r s in th e eve nt th ey ar e i nvol ve d i n a l i abi l i ty l awsui t or cl ai m
• G e n e ral L i ab i l i ty covera g e ex ten d s a u to ma t ica lly to 100% regis tered tea ms , lea gue s an d
vol u n te e r s ( of 1 0 0 % r e g is te r e d te a ms an d l e ag ue s) to pr ovi d e $3, 000, 000 pe r occur rence and
$ 7 ,0 0 0 ,0 0 0 ag g r e g a te p e r l o ca tio n
• C h an ge for 2 021 : A “ Co m m unica b l e D i se ase Excl usi on ” i s n ow par t of al l pol i ci e s. Pl ease see
t h e COV ID - 1 9 I ns ura nce Cove ra g e R e s pon se an d Ri sk M an ag e me n t G ui d e l i n e s i n Se ction V for
a ddi t i o n a l i n fo r m a tio n
• US L ac ro sse M e m b e r I ns ura nce p l a ns cove r me mbe r s w hi l e pa r t icipa t in g in any a mate ur
l a c ros s e a c ti v i t i es , no t j us t th o s e of the i r ‘ pr i mar y’ te am. If a me mbe r pl ays for their sch ool
a n d pl ays fo r a c l ub , w h il e a l s o a tte n d i n g a l acr osse camp an d a tour n ame n t – they will be
covered fo r al l of th o s e a c tiv itie s . O th e r i n suran ce pl an s may on l y cove r your pr i mar y team’s
a c t i v i t i es. S i m il a r l y , if a n of f ic ia l o r u mpi r e of f i ci ate s youth, HS, col l e g e , an d tour n am ents, h e
o r sh e i s cove r e d fo r a l l of th o s e a s p e cts of amate ur l acr osse .
• Th e bu y i n g powe r of U S La c r o s s e a nd i ts exce l l e n t cl ai ms hi stor y make i t possi bl e to continu e
prov i di n g b roa d i ns ura n ce covera g e wit h h igh - limit s a t a n a ffo rda ble co s t
• S t ab i l i ty of t h e pro g ra m is a f und a me n tal be n ef i t to al l w he n the r e i s so much tur moil in
t h e spo rt s i n s ura nce m a r ke t. U S La c r o sse has par tn e r e d w i th RPS B ol l i n g e r an d M ar kel for over
2 0 years – a te s ta m e nt to th e s tr e ng th an d pe r for man ce of the pr og ram. Thi s i s a r e markable
di f feren t i ato r a t a tim e w h e n m a ny s por ts or g an i zati on s have be e n can ce l l e d d ue to claims
h i sto r y , o r l ef t s tra nd e d by ins ura nce compan i e s w ho have ex i te d the mar ke t or si mp ly closed
t h ei r do o rs.
• Exp e r t i s e : Vo l unte e r s m a ke up th e backbon e of most l acr osse te ams an d l e ag ue s. They don’t
h ave t i m e to b e ins ura nce o r r is k m a nag e me n t ex pe r ts – an d they d on ’ t have to be . Th e US L
Insu ra n ce/ Ri s k M a na g e m e nt co m m itte e an d the U SL Spor t Sci e n ce an d Safe ty comm ittees pu t
to get h er best p ra c tice s , ins ura nce s u mmar i e s, an d safe ty g ui d e l i n e s so that vol un te ers h ave
t h i s expert i se a t th e ir f ing e r tip s to p r ote ct the mse l ve s an d the i r pl aye r s.
6 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EUS LACROSSE INSURANCE PROGRAM AT A GLANCE
G E N E R A L L I A B I L I T Y & E XC E S S BA S I C AC C I D E N T L I M I T S
LIABILITY COMBINED LIMITS
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Liability Limit $3,000,000 per occurrence
Limit of Liability (per Location) $7,000,000 aggregate
Participant Legal Liability (included in limit above)
Abuse/Molestation Liability $2,000,000 per occurrence
Abuse/Molestation Liability (per policy term) $3,000,000 aggregate
Personal Advertising Injury $3,000,000 per occurrence
Products/Completed Operations (per policy
$4,000,000 aggregate
term)
Damage to Premises Rented to You $1,000,000 per occurrence
Medical Expense Limit $10,000 (to non-participants)
Deductible $0 per claim
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
7BA S I C AC C I D E N T L I M I T S
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Accident Medical/Dental Expense Limit $100,000 per injury
Full Excess Basis
Accidental Death and Dismemberment $20,000 (incl. coverage for Cardiac/Circula-
Benefit tory claims)
Policy Benefit Period 2 years from date of injury
Physical Therapy Benefit $2,000 ($50 max per visit)
Durable Medical Equipment Benefit $2,500 per injury
Accident Deductible — Youth Players $500 per injury
Accident Deductible — HS Players $500 per injury
Accident Deductible — Certified Coaches
$500 per injury
and Officials
Accident Deductible — Non-Certified
$1,000 per injury
Coaches and Officials
Accident Deductible — Adult Women
$1,000 per injury
Players
Accident Deductible — Adult Men Players $3,000 per injury
Accident Deductible — US National Team
Players (while participating in national team $0 per injury
events)
Emergency Medical Evacuation (more than
$25,000 benefit for onfield injuries
100 miles from home)
Emergency Repatriation Benefit (more than
$25,000 resulting from onfield fatalities
100 miles from home)
$7,500 certified officials
Officials’ Game Fee Reimbursement Benefit
$5,000 noncertified officials
Officials’ Game Fee Max $200 per game
Deductible (Waiting Period) 7 Days from Injury
8 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EC ATA S T R O P H I C AC C I D E N T P O L I C Y
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Catastrophic Accident Medical/ Dental
$1,000,000 per injury
Expense Limit
Catastrophic Cash Benefit for Coma or
$250,000 lump sum payment
Paralysis Lasting More Than 6 Months
Deductible (dovetails with Basic Accident
$100,000*
policy limit)
Policy Benefit Period 10 years from date of injury
Deductible Incurral Period 2 years from date of injury
Full Excess Basis
Extended Cat Benefits (all benefits listed
$1,000,000 max limit
below capped at $1,000,000 in total payout)
Adjustment Expense Up to $125,000
Family Counseling Benefit Up to $25,000
College Education Benefit Up to $150,000
Adaptation Expense Up to $200,000
Ancillary Sickness/Injury Benefit Up to $200,000
Disability Benefit Up to $300,000
* To i n i t i a te t h e C a ta s tr o p h ic p o l ic y b e nef i ts, a cl ai m n e e d s to pay out at l e ast $100, 000 in
ex p en ses w i t h i n th e D e d uc tib l e I nc ur ral Pe r i od . The se ex pe n se s can be pai d by the U S Lacrosse
Basic Acc i den t p o l ic y , by th e c l a im a nt’ s pr i mar y i n suran ce , or by a combi n ati on of the two.
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
9S EC T ION #2
How Does the US Lacrosse
Insurance Program Protect Me?
( I N S U R A N C E P L A N D E TA I L S BY M E M B E R S H I P T Y P E )
10 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EI AM A PLAYER
A s a US L ac ro sse m e m b e r p l aye r , yo u a u tomati cal l y r e ce i ve a packag e of Acci d e n t an d Liability
Insura n ce t h a t cove r s yo u fo r a ny o r g a n i ze d amate ur l acr osse you pl ay i n d ur i n g the 12 -m onth
term of m em ber s h ip , w h e th e r th o s e a c t i vi ti e s take pl ace i n the U. S. or abr oad .
The US L a c ro sse M e m b e r I ns ura nce P r o gram g oe s i n to ef fe ct upon the d ate of r e ce i pt of you r
new o r ren ewal m e m b e r s h ip a p p l ica tio n i n U S L acr osse ’ s of f i ce ( usual l y same d ay i f applying
onlin e). If yo u o r yo ur co a c h m a il in th e appl i cati on to U SL , cove rag e d oe s n ot g o i n to ef fect
unt il t h e a ppl i ca tio n is r e ce ive d in U S L acr osse ’ s of f i ce . You can l ook up your me mbe r sh ip statu s
onlin e a t M em b e r s h ip Lo o k up
• Con ce r n e d a bo ut g ett i n g i nj ured wh ile play in g la cro s s e? Th e Accid en t po licies protect
yo u w i t h a $ 1 m il l io n l im it in ca s e yo u ar e hur t pl ayi n g l acr osse . Thi s cove rag e i s you r safety
n et fo r covering m e d ica l , d e nta l , p r e scr i pti on d r ug , physi cal the rapy an d othe r r e l ated
expen ses. Th is p o l ic y is E xce s s , s o if you have othe r he al thcar e cove rag e , that pol i cy pays
first — t h en a ny o ut-of -p o c ke t ex p e nse s or r e mai n i n g bal an ce s can be submi tte d to t h e US L
Acc i den t pl an. Th e r e is a l s o a d e d uc t i bl e ( $500 for youth an d hi g h school pl aye r s, $1,000 for
a du l t wo m en p l aye r s , $3 , 0 0 0 fo r a d ul t mal e pl aye r s) that must be me t befor e the U SL policy
pays i t s ben ef its .
• W h at i f I g e t s ued ? Wh il e no o ne wa n ts to hi r e l aw ye r s or e n d up i n cour t, U S L acr o sse takes
t h e st i n g o u t of l e g a l m a tte r s w ith the U SL L i abi l i ty In suran ce pl an . If you ar e sue d as a resu lt
of i n j u ri n g so m e o ne o r ca us ing p r o p er ty d amag e d ur i n g a l acr osse acti vi ty (an e r ran t sh ot
t h a t sh a t ters a ca r ’ s w ind s h ie l d , fo r exampl e ), the U SL L i abi l i ty pol i cy w i l l han d l e the lawsu it
fo r yo u fro m b e g inning to e nd . M a r kel In suran ce Company w i l l ar ran g e for an attor n ey to
represen t yo u a nd w il l cove r th e l e g al bi l l s, se ttl e me n ts or i n d e mn i ty pay me n ts that you incu r
(acco rdi n g to th e te r m s of th e p o l ic y).
• Am I cove re d even i f t h e o t h er people o n my tea m a re n o t U S L a cro s s e m embers?
Yes — as l o n g a s yo ur m e m b e r s h ip is i n for ce an d you ar e a me mbe r i n g ood stan d i n g with US
L ac ro sse, t h e ins ura nce p l a ns a r e th e r e for you. It d oe sn ’ t matte r i f you ar e pl ayi n g with
n o n - US L a c ro s s e m e m b e r s , o r if yo u g o to an eve n t that i s spon sor e d by an i n d e pe n dent
la c ro sse o rga niza tio n — th e U S La c r o s se M e mbe r In suran ce fol l ows you for the d uration of
yo u r m em ber s h ip .
• W i l l t h e U S L i ns ura n ce pl a n cover m e if I play box la cro s s e? The U S L acr osse M e m ber
Insu ra n ce Pro g ra m a p p l ie s w h e th e r t he l acr osse g ame s or acti vi ti e s ar e he l d outd oors or
i n do o rs, as l o ng a s th e e s ta b l is h e d r u l e s appr ove d by U S L acr osse ar e e n for ce d . For b ox
la c ro sse pl aye d w ith d a s h e r b o a r d s , US L acr osse B ox / In d oor r ul e s must be fol l owe d .
• M i n or m od i f i c a t i o ns to a pproved f ield r u les – w he the r pl aye d i n d oor s or outd oor s - su ch
a s redu ced n um b e r of p l aye r s , f ie l d si ze , boun d ar i e s, an d ti me w i l l n ot af fe ct the i n s u rance
coverage as l o ng a s th e m o d if ica tio ns d o n ot chal l e n g e the i n te n t of the r ul e s or je opardize
pl ayer safet y.
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
11INSURANCE COVERAGES FOR US LACROSSE MEMBER
PLAYERS
BASIC EXCESS AC C I D E N T : Th is pol i cy i s the f i r st l aye r of the two Acci d e n t pol i c ies th at
make u p t h e US La c r o s s e M e m b e r I ns uran ce Pr og ram Acci d e n t Pl an .
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Accident Medical Expense Limit $100,000 limit per Injury
$20,000 (incl. Cardiac/ Circulatory
Accidental Death Benefit
coverage*)
Accidental Dismemberment Benefit $20,000 principal sum
Deductible — Youth and High School
$500 per injury
Players
Deductible — Adult Male Players $3,000 per injury
Deductible — Adult Women Players $1,000 per injury
Deductible — National Team Players
(For injuries incurred during national team
practices and events only; if injured during $0 per injury
regular play, above deductibles apply.)
Physical Therapy/Chiropractic Limit $2,000 (limited to $50 maximum per visit)
Durable Medical Equipment Limit $2,500 maximum
Policy Benefit Period 2 years from date of injury
Emergency Medical Evacuation (more than
$25,000 benefit for on-field injuries
100 miles from home)
Emergency Repatriation Benefit (more than
$25,000 resulting from on-field fatalities
100 miles from home)
Full Excess Coverage
Fu l l Exce s s Covera g e: Th e Ba s ic Acc ide n t pol i cy i s w r i tte n on a f ul l exce ss basi s, me aning th at
i t p ays o n l y a f te r a ny o th e r co l l e c tib l e in suran ce has pai d i ts be n ef i ts. If n o othe r i n surance is in
p lace, t h e po l ic y p ays o n a p r im a r y b asi s af te r the d e d ucti bl e has be e n appl i e d .
*Acc i d e n t al D ea th B en ef i t — i n c l . C a rd ia c/Circu la to r y Covera ge: If a pl aye r d i e s w ith in 48
hou rs of a cardi a c o r c ir c ul a to r y (s tr o ke) i n ci d e n t d ur i n g a cove r e d acti vi ty, the d e ath b enefit
wi ll be pa i d to t h e m e m b e r ’ s fa m il y. Th e Acci d e n t pol i ci e s d o n ot pr ovi d e any othe r coverage for
si ck n ess o r i l l n e s s . Th e r efo r e , m e d ica l ex pe n se s for the car d i ac or ci r cul ator y i n ci d e n t wou ld not
b e p ai d; o n l y t h e D e a th Be nef it is p aya b l e .
12 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D ED ed u c t i b l e : Th e d e d uc tib l e und e r th is pol i cy appl i e s to e ach i n jur y r e g ar d l e ss of pay ments
made o r dedu c t ib l e s ta ke n by o th e r (p r i mar y) i n suran ce .
CATA STROPH I C AC C I D E N T : Th is pol i cy i s the se con d l aye r of Acci d e n t cove rag e for US
L acr o sse m em be r s — p r ov id ing up to $1 mi l l i on i n Acci d e n t M e d i cal Ex pe n se be n ef i ts.
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Accident Medical Expense Limit $1,000,000
Benefit Period 10 years
Catastrophic Cash Benefit for
$250,000 lump sum
Coma/Paralysis
$100,000 (integrates with Basic Accident
Deductible
policy)
Deductible Incurral Period 2 years from date of injury
Adjustment Expense —up to $125,000
Family Counseling Expense — up to $25,000
Catastrophic Injury Extended Benefits — College Education Benefit — up to $150,000
provides up to an additional $1,000,000 for a
combination of the following: Adaptation Expense — up to $200,000
Ancillary Sickness Benefit — up to $200,000
Disability Benefit — up to $300,000
Im p or t an t n ote: Th e B a s ic a nd C a ta s tr ophi c Acci d e n t pol i ci e s cove r on l y those me d i ca l/dental
ex p en ses ari si n g o ut of Acc id e nta l I nj uri e s that occur d ur i n g cove r e d acti vi ti e s. Th e policie s
do n ot p rovi d e covera g e fo r c l a i ms ar is in g o u t o f s ick n es s , illn es s o r bo dily co n ditions.
F or exa m pl e, n o cove ra g e is p r ov id e d for vi r us ( COV ID-19 or othe r ki n d of vi r us), communicable
di se a se, h eart atta c k , s tr o ke , p r e g na nc y, or othe r such con d i ti on s ( exce pt for the Acci d ental
Dea t h ben efi t , w h ic h s p e c if ica l l y ex te nds cove rag e to fatal i ti e s cause d by he ar t attack o r stroke).
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
13G E N E R A L L I A B I L I T Y A N D E XC E S S L I A B I L I T Y
The pri m ar y fo c us of th e G e ne ra l Lia b il ity pol i ci e s i s to cove r cl ai ms an d l awsui ts ar i si ng ou t of
Bodi l y In j u r y o r P r o p e r ty D a m a g e to o th e r s ar i si n g out of l acr osse acti vi ti e s. The G e n e ral Liability
and E xcess L i a b il ity co m b ine d p o l ic y l imi ts pr ovi d e d to me mbe r s ar e as fol l ows.
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Limit of Liability per Occurrence $3,000,000
General Aggregate Limit per Location $7,000,000
Products and Completed Operations
$4,000,000
Aggregate
Personal Injury/Advertising Injury Limit $3,000,000
Sexual Abuse Liability Limit per Occurrence $2,000,000
Sexual Abuse Liability Limit Policy
$3,000,000
Aggregate
Damage to Premises Rented to You $1,000,000
Medical Payments (to nonparticipants) $10,000
Deductible $0
E X A M P L E S O F L I A B I L I T Y C L A I M S F O R P L AY E R S
• A pl ayer i s se r io us l y inj ur e d (B o d il y I njur y) d ur i n g a g ame an d sue s the pl aye r w ho hit h im for
n egl i gen t co nta c t.
• A spec t a to r g e ts h it w ith a b a l l in th e eye ( B od i l y In jur y) an d sue s the pl aye r w ho sho t th e ball
a n d t h e fi el d ow ne r fo r no t p r o te c ting spe ctator s f r om e r ran t shots.
• Pl ayers o n a n ove r nig h t tr ip w ith th e i r te am ar e vi cti ms of hazi n g by othe r pl aye r s ( defined as
B o di l y In j u r y ) . Th e ir p a r e nts s ue th e a ccuse d pl aye r s an d the coache s i n a ci vi l sui t.
ADDITIONAL INSURANCE INFORMATION FOR PLAYERS
Thi s i s a su m m a r y of th e s co p e of cove rag e . For f ul l d e tai l s on e ach pol i cy, pl e ase se e S ection I I I .
• S t an d ard ama teur l a c ro s s e a c t i v i t ies : Pl aye r s ar e cove r e d for sche d ul e d g ame s, te am
prac t i ces, to ur na m e nts , ca m p s , c l inics an d spon sor e d te am/ l e ag ue acti vi ti e s (as d ef ined in
“O t h er S u per v is e d Ac tiv itie s ” ) , while under the direct super vision of a te am coach or oth er
of fi c i al l y desig na te d m e m b e r .
• No cove ra ge is p r ov id e d fo r p ic k -up g ame s, un supe r vi se d practi ce s, i n d i vi d ual wor kou ts,
prac t i ces o r co nd itio ning (g o ing to th e f i e l d to d o your ow n d r i l l s) or “hacki n g ar ound” with
yo u r l ac ro sse s tic k in s o m e o ne ’ s b a c kyar d . As a player m ember , you ar e cove r e d for playing
14 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D Ela c ro sse, n o t co a c h ing o r of f ic ia ting . If you al so par ti ci pate as a coach or of f i ci al , you must
register with US Lacrosse in each categor y in order to be covered by the insurance program for
those activities.
• Any an d al l a ma teur l a c ro s s e – i n d o o r s o r o u t : The U S L acr osse In suran ce Pr og ram
a ppl i es wh et h e r th e l a c r o s s e g a m e s o r acti vi ti e s ar e he l d outd oor s or i n d oor s, as l on g as th e
est a bl i sh ed ru l e s a p p r ove d by U S La cr osse ar e e n for ce d . For box l acr osse pl aye d w i th dash er
bo ards, US L a c r o s s e Box /I nd o o r r ul e s must be fol l owe d . M i n or mod i f i cati on s to appr oved US
L ac ro sse fi el d o r b ox r ul e s , s uc h a s r e d uce d n umbe r of pl aye r s, f i e l d si ze , boun d ar i e s and
t i m e – wh et he r ind o o r s o r o utd o o r s - w i l l n ot af fe ct the i n suran ce cove rag e as l on g as th e
m o di fi ca t i o n s d o no t c h a l l e ng e th e inte n t of the r ul e s or je opar d i ze pl aye r safe ty.
• O t h e r s u p e r v i s ed a c ti v i ti es : Te a m m e e ti n g s, ban q ue ts an d stan d ar d , n on hazar d ous
f un dra i sers - b a ke s a l e s , ca r wa s h e s a n d si mi l ar , l ow -r i sk eve n ts -- ar e cove r e d . “H azardou s”
f un dra i sers i n c l ud e s uc h a c tiv itie s a s boun ce house s, hi r i n g pe tti n g zoos, or hosti n g concerts,
and will need to be individually under w ritten and may incur an additional premium. No
coverage i s p r ov id e d fo r a ny eve nt that i n cl ud e s f i r ewor ks. Pl e ase con tact RPS B ol l i n ger to
i n su re “ h aza rd o us ” o r h ig h -r is k a c tiv i ti e s.
• G rou p t rave l — a cc i d ent i ns ura n ce : The U SL Acci d e n t pol i ci e s d o pr ovi d e cove rag e for
i n j u ri es i n c u r r e d d ur ing g r o up trave l . G r oup trave l r efe r s to a g r oup of te am me mbe rs going
di rec t l y to o r f r o m a l a c r o s s e a c tiv ity. In the eve n t of an auto acci d e n t, for exampl e , wh ere
pl ayers are i nj ur e d , th e U SL M e m b e r Acci d e n t pol i ci e s w i l l r e spon d on an exce ss basis (af ter
t h e au to i n sura nce , no -fa ul t ins ura nce , an d / or pr i mar y he al th i n suran ce pol i ci e s have paid
ben efi t s). N o cove ra g e is p r ov id e d fo r i n jur i e s i n cur r e d d ur i n g i n d i vi d ual trave l , such as a
pl ayer dri v i n g to o r f r o m p ra c tice .
• G rou p t rave l — l i a bi l i ty i ns ura n ce: The U SL L i abi l i ty pol i ci e s d o n ot pr ovi d e cove rage for
lawsu i t s stem m ing f r o m G r o up o r I ndi vi d ual Trave l . The r e i s n o auto l i abi l i ty or any o th er
lia bi l i t y covera g e fo r l aws uits a r is ing out of tran spor ti n g par ti ci pan ts. Thi s me an s that th ere
i s n o coverage fo r co a c h e s , p a r e nts , pl aye r s, or vol un te e r s w ho d r i ve pl aye r s or othe r s to any
la c ro sse a c t i v ity. R P S Bo l l ing e r a nd US L acr osse str on g l y ad vi se te ams w ho ar e tran sporting
part i c i pa n t s to m a ke ce r ta in th a t th e d e si g n ate d d r i ve r s an d ve hi cl e s ar e pr ope r l y l i censed
a n d f u l l y i n sur e d p r io r to trave l ing .
• COVID -1 9/Co mmuni c a bl e D i s ea s e E xclu s io n : As of 1/ 1/ 2 1, the U SL G e n e ral L i abi l i ty and
E xcess L i abi l ity p o l ic ie s w il l ca r r y a “Communicable Disease” exclusion . Thi s me an s that th ere
wi l l be n o l i a b il ity cove ra g e – inc l ud in g n o d efe n se cove rag e – for cl ai ms ar i si n g out of any
a l l egat i o n s re g a r d ing tra ns m is s io n, s pr e ad , i n jur y, d e ath or othe r l oss as a r e sul t of a ny viru s
o r co m m u n i ca b l e d is e a s e , o r th r e a t of such, i n cl ud i n g COV ID, SARS, an d othe r s. B odily I nju r y).
Th ei r paren t s s ue th e a cc us e d p l aye r s an d the coache s i n a ci vi l sui t.
I AM A COACH
A s a US L ac ro sse m e m b e r co a c h , yo u a utomati cal l y r e ce i ve a packag e of Acci d e n t an d Liability
Insura n ce t h a t cove r s yo u w h e n co a c h ing any or g an i ze d amate ur l acr osse d ur i n g the 12-m onth
term of m em ber s h ip , w h e th e r th o s e a c t i vi ti e s take pl ace i n the U. S. or abr oad .
The US L a c ro sse M e m b e r I ns ura nce P r o gram g oe s i n to ef fe ct upon the d ate of r e ce i pt of you r
new o r ren ewal m e m b e r s h ip a p p l ica tio n i n U S L acr osse ’ s of f i ce ( usual l y same d ay i f applying
onlin e). If yo u o r yo ur te a m m a il in th e appl i cati on to U SL , cove rag e d oe s n ot g o i n to ef fect u ntil
t he appl i ca t i o n is r e ce ive d in U S La c r o s se ’ s of f i ce . L ook up your me mbe r shi p status on line at
Mem bersh i p L o o k up
• Con ce r n e d a bo ut g ett i n g i nj ured wh ile coa ch in g la cro s s e? Th e Acciden t po licies protect
yo u w i t h a $ 1 m il l io n l im it in ca s e yo u ar e hur t coachi n g l acr osse . Thi s cove rag e i s yo u r
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
15sa fet y n et fo r cove r ing m e d ica l , d e nta l , pr e scr i pti on d r ug , physi cal the rapy an d othe r related
expen ses. Th is p o l ic y is E xce s s , s o if you have othe r he al thcar e cove rag e , that pol i cy pays
first — t h en a ny o ut-of -p o c ke t ex p e nse s or r e mai n i n g bal an ce s can be submi tte d to t h e US L
Acc i den t pl an. Th e r e is a l s o a d e d uc t i bl e ( $1, 000 for n on -ce r ti f i e d coache s, or $500 fo r US L-
cert i fi ed co a c h e s ) th a t m us t b e m e t befor e the U SL pol i cy pays i ts be n ef i ts.
• W h at i f I g e t s ued by o n e o f my pl ayer s? Whi l e n o on e wan ts to hi r e l aw ye r s or be taken
to co u rt , US L a c r o s s e ta ke s th e s ting out of l e g al matte r s w i th the L i abi l i ty In suran ce plan.
Th e covera ge p r o te c ts yo u if yo u a r e sue d as a r e sul t of an i n jur y to some on e or pr op erty
dam a ge to o th e r s (fo r exa m p l e , if yo u ar e sue d as a r e sul t of d amag e to an i n d oor fac ility
wh en a n erra nt b a l l b r e a ks a tr o p hy case ). Ce r ti f i e d coache s of U S L acr osse ar e al so covered
a u to m a t i ca l l y fo r D ir e c to r s a nd O f f icer s L i abi l i ty ( w r on g f ul acts) cl ai ms. Pl e ase se e “Directors
a n d O f fi cers Lia b il ity ” a t th e e nd of thi s se cti on for d e tai l s.
• Am I cove re d a s a coa c h even i f a l l t h e player s o n my tea m a re n o t U S L a cro s s e
m e m b e r s? Ye s — a s l o ng a s yo ur m e mbe r shi p i s i n for ce an d you ar e a me mbe r i n g ood
stan di n g wi t h U S La c r o s s e , inc l ud ing passi n g of backg r oun d scr e e n i n g an d Safe Spor t training
t h e US L Acc i d e nt a nd Lia b il ity ins uran ce cove rag e i s the r e for you.
• W i l l t h e U S L i ns ura n ce pl a n cover m e if I coa ch box la cro s s e? The U S L acr osse Mem ber
Insu ra n ce Pro g ra m a p p l ie s w h e th e r t he l acr osse g ame s or acti vi ti e s ar e he l d outd oors or
i n do o rs, as l o ng a s th e e s ta b l is h e d r u l e s appr ove d by U S L acr osse ar e e n for ce d . For b ox
la c ro sse pl aye d w ith d a s h e r b o a r d s , US L acr osse B ox / In d oor r ul e s must be fol l owe d .
Mi n o r m o di fi ca tio ns to a p p r ove d f ie l d r ul e s – w he the r pl aye d i n d oor s or outd oor s - su ch as
redu ced n u mb e r of p l aye r s , f ie l d s ize , boun d ar i e s, an d ti me w i l l n ot af fe ct the i n surance
coverage as l o ng a s th e m o d if ica tio ns d o n ot chal l e n g e the i n te n t of the r ul e s or je opardize
pl ayer safet y.
• Are t h e re a d d i t i o na l ben ef i ts i f I a m a U S L a cro s s e Cer t if ied Coa ch? Ye s. U SL Certified
Co ac h es h ave a l owe r a cc id e nt d e d ucti bl e - $500 pe r i n jur y i n ste ad of $1, 000.
• If I am a pai d coa c h, i s my US L a c ro s s e Acciden t I n s u ra n ce inva lid a ted? Thi s i s a gray
a rea becau se p a id co a c h e s fa l l und e r the d ef i n i ti on of “e mpl oye e ” ( w hi ch r e q ui r e s wo rkers’
co m pen sat i o n ins ura nce ) a nd no t “ in d e pe n d e n t con tractor ” ( w hi ch d oe sn ’ t r e q ui r e workers’
co m pen sat i o n) . Bo th th e U S L Acc id e nt an d L i abi l i ty pol i ci e s excl ud e cl ai ms “e l i g i bl e for
wo rkers’ co m p e ns a tio n o r E m p l oye r ’ s L i abi l i ty cove rag e . ”
If yo u are a pai d co a c h , yo ur te a m is l e g al l y r e spon si bl e to pr ovi d e wor ke r s’ compe n sation
i ns u ran ce fo r i n j ur ie s yo u m ay inc ur w h i l e wor ki n g . The ambi g ui ty ar i se s i f you ar e pai d bu t you r
leag u e h a s n o t p ur c h a s e d wo r ke r s ’ co mpe n sati on . It i s possi bl e i n thi s i n stan ce , that you r inju r y
coul d be covere d by U S La c r o s s e ’ s m e mbe r i n suran ce (al thoug h i t d oe sn ’ t r e l i eve your team or
leag u e of t h ei r l e g a l d uty to p r ov id e wo r ke r s’ compe n sati on — for w hi ch they coul d be liable
or fin ed by t h e s ta te ’ s wo r ke r s ’ co m p e nsati on boar d ). To f ul l y pr ote ct your se l f i f you ar e a paid
coac h , m a ke su r e th e te a m p r ov id e s wo r ke r s’ compe n sati on i n suran ce for you.
16 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EPOLICY LIMITS FOR COACHES
Thi s i s a su m m a r y of b e nef its . Fo r f ul l de tai l s on e ach pol i cy, pl e ase r efe r to Se cti on III.
BA S I C E XC E S S AC C I D E N T : Th is pol i cy i s the f i r st l aye r of the two Acci d e n t pol i cies
t hat m a ke u p t h e U S La c r o s s e Acc id e nt Pl an .
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Accident Medical Expense Limit $100,000 limit per injury
$20,000 (including Cardiac/ Circulatory
Accidental Death Benefit
coverage*)
Accidental Dismemberment Benefit $20,000 principal sum
Deductible — Non-certified Coaches $1,000 per injury
Deductible — USL Certified Coaches $500 per injury
$2,000 (limited to $50
Physical Therapy/Chiropractic Limit
maximum charge per visit)
Durable Medical Equipment Limit $2,500 maximum
Policy Benefit Period 2 years from date of injury
Emergency Medical Evacuation (more than $25,000 benefit for on-field
100 miles from home) injuries
Emergency Repatriation Benefit
$25,000 resulting from on-field fatalities
(more than 100 miles from home)
Full Excess Coverage
Fu l l Exce s s Covera g e: Th e Ba s ic Acc ide n t pol i cy i s w r i tte n on a f ul l exce ss basi s, me aning th at
i t p ays o n l y a f te r a ny o th e r co l l e c tib l e in suran ce has pai d i ts be n ef i ts. If n o othe r i n sura nce is in
p lace, t h e po l i c y p ays o n a p r im a r y b a s is af te r the d e d ucti bl e has be e n appl i e d .
*Acc i d e n t al D ea th B en ef i t — C a rd i a c /Circu la to r y Covera ge: If a coach d i e s w i thi n 48 h ou rs
of a ca rdi a c o r c ir c ul a to r y (s tr o ke ) inc id e n t d ur i n g a cove r e d acti vi ty, thi s be n ef i t w i l l b e paid
to t h e m em ber’ s fa m il y. Th e Acc id e nt pol i ci e s d o n ot pr ovi d e any othe r cove rag e for si ckness or
i llne ss. Th erefo r e , m e d ica l ex p e ns e s fo r a car d i ac or ci r cul ator y i n ci d e n t woul d n ot be paid; only
t he D ea t h B en ef it is p aya b l e .
D ed u c t i b l e : Th e d e d uc tib l e und e r th is pol i cy appl i e s to e ach i n jur y r e g ar d l e ss of pay ments
made o r dedu c t ib l e s ta ke n by o th e r (p r i mar y) i n suran ce .
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
17CATA STROPH I C AC C I D E N T : Th is pol i cy i s the se con d l aye r of Acci d e n t cove rag e for US
L acr o sse m em be r s — p r ov id ing up to $1 mi l l i on i n Acci d e n t M e d i cal Ex pe n se be n ef i ts.
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Accident Medical Expense Limit $1,000,000
Benefit Period
10 years
Catastrophic Cash Benefit for $250,000 lump sum
Coma/Paralysis
$100,000 (integrates with Basic Accident
Deductible
policy)
Deductible Incurral Period 2 years from date of injury
Adjustment Expense — up to $125,000
Catastrophic Injury Extended Benefits — Family Counseling Expense — up to $25,000
provides up to an Additional $1,000,000 for a College Education Benefit — up to $150,000
combination of the following: Adaptation Expense — up to $200,000
Ancillary Sickness Benefit — up to $200,000
Disability Benefit — up to $300,000
Im p or t an t n ote: Th e B a s ic a nd C a ta s tr ophi c Acci d e n t pol i ci e s cove r on l y those me d i ca l/dental
ex p en ses ari si n g o ut of Acc id e nta l I nj uri e s that occur d ur i n g cove r e d acti vi ti e s. Th e policie s
do n ot p rovi d e covera g e fo r c l a i ms ar is in g o u t o f s ick n es s , illn es s o r bo dily co n ditions.
F or exa m pl e, n o cove ra g e is p r ov id e d for vi r us ( i n cl ud i n g COV ID-19 an d othe r s), communicable
di se a se, h eart atta c k , s tr o ke , p r e g na nc y, or othe r such con d i ti on s ( exce pt for the Acci d ental
Dea t h ben efi t , w h ic h s p e c if ica l l y ex te nds cove rag e to fatal i ti e s cause d by he ar t attack o r stroke).
18 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EG E N E R A L L I A B I L I T Y A N D E XC E S S L I A B I L I T Y
The pri m ar y fo c us of th e G e ne ra l Lia b il ity pol i ci e s i s to cove r cl ai ms an d l awsui ts ar i si ng ou t of
Bodi l y In j u r y o r P r o p e r ty D a m a g e to o th e r s ar i si n g out of l acr osse acti vi ti e s. G e n e ral L i a bility and
E xce ss L i abi l i t y Co m b ine d P o l ic y Lim its pr ovi d e d to me mbe r s ar e :
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Limit of Liability per Occurrence $3,000,000
General Aggregate Limit per Location $7,000,000
Products and Completed Operations
$4,000,000
Aggregate
Personal Injury/Advertising Injury Limit $3,000,000
Sexual Abuse Liability Limit per Occurrence $2,000,000
Sexual Abuse Liability Limit Policy
$3,000,000
Aggregate
Damage to Premises Rented to You $1,000,000
Medical Payments (to nonparticipants) $10,000
Deductible $0
E X A M P L E S O F L I A B I L I T Y C L A I M S T O C OAC H E S
• A pl ayer i s se r io us l y inj ur e d (B o d il y I njur y) d ur i n g a g ame an d sue s the Coach an d th e team
fo r a l l owi n g r o ug h p l ay.
• D u ri n g pra c t i ce d r il l s , a Co a c h h its a pl aye r acci d e n tal l y i n the eye ( B od i l y In jur y). Th e player’s
fa m i l y su es t h e Co a c h fo r d a m a g e s w he n the pl aye r i s n ot abl e to par ti ci pate i n r e cr uiting
sh owcases due to th e inj ur y.
• Th e w i n dsh i el d of a ca r is d a m a g e d by an ove r thr ow n bal l ( Pr ope r ty Damag e to others), and
t h e ow n er of th e ca r s ub m its th e b il l s for r e pai r to the te am Coach for pay me n t.
• Pl ayers at a to ur na m e nt h e l d o n a col l e g e campus se t a por ta-potty on f i r e ( Pr ope r ty Dam age
to o t h ers), a nd th e co l l e g e b il l s th e Coache s for the d amag e .
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
19ADDITIONAL INSURANCE INFORMATION FOR COACHES
Thi s i s a su m m a r y of th e s co p e of cove rag e . For f ul l d e tai l s on e ach pol i cy, pl e ase se e S ection I I I .
• S t an d ard L a c ro s s e Ac t i v i t i es : P l ayer s ar e cove r e d for sche d ul e d g ame s, te am practices,
to u rn am en t s, ca m p s , c l inic s a nd s p o n sor e d te am/ l e ag ue acti vi ti e s (as d ef i n e d i n “Ot h er
S u per v i sed Ac tiv itie s ” ) , w h il e und e r t he d i r e ct supe r vi si on of a te am coach or othe r of ficially
desi gn a ted me m b e r .
• No cove ra ge is p r ov id e d fo r p ic k -up g ame s, un supe r vi se d practi ce s, i n d i vi d ual wor kou ts,
prac t i ces o r co nd itio ning (g o ing to th e f i e l d to d o your ow n d r i l l s) or “hacki n g ar ound” with
yo u r l ac ro sse s tic k in s o m e o ne ’ s b a c kyar d . As a player m ember , you ar e cove r e d for playing
la c ro sse, n o t co a c h ing o r of f ic ia ting . If you al so par ti ci pate as a coach or of f i ci al , you must
register with US Lacrosse in each categor y in order to be covered by the insurance program
for those activities.
• Any an d al l a ma teur l a c ro s s e – i n d o o r s o r o u t : The U S L acr osse In suran ce Pr og ram
a ppl i es wh et h e r th e l a c r o s s e g a m e s o r acti vi ti e s ar e he l d outd oor s or i n d oor s, as l on g as th e
est a bl i sh ed ru l e s a p p r ove d by U S La cr osse ar e e n for ce d . For box l acr osse pl aye d w i th dash er
bo ards, US L a c r o s s e Box /I nd o o r r ul e s must be fol l owe d . M i n or mod i f i cati on s to appr oved US
L ac ro sse fi el d o r b ox r ul e s , s uc h a s r e d uce d n umbe r of pl aye r s, f i e l d si ze , boun d ar i e s and
t i m e – wh et he r ind o o r s o r o utd o o r s - w i l l n ot af fe ct the i n suran ce cove rag e as l on g as th e
m o di fi ca t i o n s d o no t c h a l l e ng e th e inte n t of the r ul e s or je opar d i ze pl aye r safe ty.
• O t h e r s u p e r v i s ed a c ti v i ti es : Te a m m e e ti n g s, ban q ue ts an d stan d ar d , n on hazar d ous
f un dra i sers - b a ke s a l e s , ca r wa s h e s a n d si mi l ar , l ow -r i sk eve n ts -- ar e cove r e d . “H azardou s”
f un dra i sers i n c l ud e s uc h a c tiv itie s a s boun ce house s, hi r i n g pe tti n g zoos, or hosti n g concerts,
a n d wi l l n eed to b e ind iv id ua l l y und er w r i tte n an d may i n cur an ad d i ti on al pr e mi um. No
coverage i s p r ov id e d fo r a ny eve nt that i n cl ud e s f i r ewor ks. Pl e ase con tact RPS B ol l i n ger to
i n su re “ h aza rd o us ” o r h ig h -r is k a c tiv i ti e s.
• G rou p t rave l — a cc i d ent i ns ura n ce : The U SL Acci d e n t pol i ci e s d o pr ovi d e cove rag e for
i n j u ri es i n c u r r e d d ur ing g r o up trave l . G r oup trave l r efe r s to a g r oup of coache s or te am
m em bers go i ng d ir e c tl y to o r f r o m a l acr osse acti vi ty. In the eve n t of an auto acci d e nt, for
exam pl e, t h e U S L M e m b e r Acc id e nt pol i ci e s w i l l r e spon d on an exce ss basi s (af te r the au to
i n su ran ce, n o -fa ul t ins ura nce , a nd /o r pr i mar y he al th i n suran ce pol i ci e s have pai d be nefits). No
coverage i s p r ov id e d fo r inj ur ie s inc u r r e d d ur i n g i n d i vi d ual trave l , such as a coach d riving to
o r fro m prac tice .
• G rou p t rave l — l i a bi l i ty i ns ura n ce: The U SL L i abi l i ty pol i ci e s d o n ot pr ovi d e cove rage for
lawsu i t s stem m ing f r o m G r o up o r I ndi vi d ual Trave l . The r e i s n o auto l i abi l i ty or any o th er
lia bi l i t y covera g e fo r l aws uits a r is ing out of tran spor ti n g par ti ci pan ts. Thi s me an s that th ere
i s n o coverage fo r co a c h e s , p a r e nts , pl aye r s, or vol un te e r s w ho d r i ve pl aye r s or othe r s to any
la c ro sse a c t i v ity. R P S Bo l l ing e r a nd US L acr osse str on g l y ad vi se te ams w ho ar e tran sporting
part i c i pa n t s to m a ke ce r ta in th a t th e d e si g n ate d d r i ve r s an d ve hi cl e s ar e pr ope r l y l i censed
a n d f u l l y i n sur e d p r io r to trave l ing .
• COVID -1 9/Co mmuni c a bl e D i s ea s e E xclu s io n : As of 1/ 1/ 21, the U SL G e n e ral L i abi l i ty and
E xcess L i abi l ity p o l ic ie s w il l ca r r y a “Communicable Disease” exclusion. Thi s me an s that th ere
wi l l be n o l i a b il ity cove ra g e – inc l ud in g n o d efe n se cove rag e – for cl ai ms ar i si n g out of any
a l l egat i o n s re g a r d ing tra ns m is s io n, s pr e ad , i n jur y, d e ath or othe r l oss as a r e sul t of a ny viru s
o r co m m u n i ca b l e d is e a s e , o r th r e a t of such, i n cl ud i n g COV ID, SARS, an d othe r s.
20 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EI AM AN OFFICIAL/ASSIGNER
A s a US L ac ro sse m e m b e r O f f ic ia l , yo u automati cal l y r e ce i ve a packag e of Acci d e n t an d Liability
Insura n ce t h a t fo l l ows yo u fo r of f ic ia ting any or g an i ze d amate ur l acr osse g ame s, tour n am ents,
cli ni c s, cam ps o r r e l a te d a c tiv itie s d ur in g the 12-mon th te r m of your me mbe r shi p, w heth er in
t he U.S . o r abroa d . Cove ra g e is in fo r ce for your of f i ci ati n g d uti e s, w he the r or n ot the team s on
t he fi el d a re 1 0 0% U S La c r o s s e m e m b e rs.
The US L a c ro sse m e m b e r ins ura nce g o e s i n to ef fe ct upon the d ate of r e ce i pt of your n ew or
renewal m em be r s h ip a p p l ica tio n in U S L acr osse ’ s of f i ce ( usual l y same d ay i f appl yi n g o nline).
If yo u m ai l i n yo ur a p p l ica tio n to U S L, cove rag e d oe s n ot g o i n to ef fe ct un ti l the appl i ca tion is
recei ved i n US L a c r o s s e ’ s of f ice . Yo u ca n l ook up your me mbe r shi p status on l i n e at U S Lacrosse’s
Mem bersh i p L o o k up .
• Cove ra g e for As s i g n ers , Tra i n ers an d Obs er ver s : As a r e g i ste r e d U S L acr osse of f i cial, you
a re al so cover e d by th e Lia b il ity p o l ici e s i f you se r ve as an assi g n e r , trai n e r or obse r ver for
a m a teu r l ac ro s s e .
• Con ce r n e d a bo ut g ett i n g i nj ured wh ile o ff icia t in g la cro s s e? The Acci d e n t pol i ci es protect
of fi c i al s o n an exce s s b a s is w ith a $1 mi l l i on l i mi t ( w i th a $1, 000 d e d ucti bl e , or $500 for US
L ac ro sse certif ie d of f ic ia l s ) in ca s e you ar e hur t w hi l e of f i ci ati n g l acr osse . We hope you will
n ever h ave to us e it — b ut it’ s th e r e as a safe ty n e t to he l p i n cove r i n g your me d i cal , dental,
presc ri pt i o n d r ug s , p hys ica l th e ra py an d othe r r e l ate d ex pe n se s.
In addi t i o n , th e r e is a G a m e Fe e R e im bur se me n t cove rag e that pr ovi d e s up to $7, 500 in
m i ssed gam e s , fo r U S La c r o s s e ce r tif i e d of f i ci al s, an d $5, 000 for n on -ce r ti f i e d of f i ci als. Th is is
desi gn ed to a s s is t yo u w ith fe e s m is s e d i f you ar e pr eve n te d f r om of f i ci ati n g g ame s du e to an
i n j u r y fro m of f ic ia ting l a c r o s s e .
N o te: No a cci d ent covera g e a p p l ie s to assi g n e r s, trai n e r s or obse r ve r s; they ar e covered only
by t h e US L ac r o s s e l ia b il ity p o l ic ie s .
• W h at i f I g e t s ued by a n i nj ured pl ayer ? Whi l e n o on e wan ts to hi r e l aw ye r s or be taken to
co u rt , US L ac r o s s e ta ke s th e s ting o u t of l e g al matte r s w i th the U SL L i abi l i ty In suran ce plan.
If yo u a re su e d a s a r e s ul t of a n inj ur y to some on e d ur i n g a cove r e d l acr osse acti vi ty, th e
US L L i abi l i t y p o l ic y w il l h a nd l e th e l iabi l i ty cl ai m f r om be g i n n i n g to e n d . M ar ke l In surance
Co m pa ny w i l l a r ra ng e a n a tto r ney to r e pr e se n t you an d cove r l e g al bi l l s, se ttl e me n ts or
pay m en t s (a cco r d ing to th e te r m s of the pol i cy).
• D o I re ce i ve s pec i a l ben ef i t s i f I a m a U S L a cro s s e Cer t if ied Off icia l/As s ign er ? Yes.
Cert i fi ed of fi c ia l s a nd a s s ig ne r s a r e cove r e d for Di r e ctor s an d Of f i ce r s L i abi l i ty ( w r ongf u l acts)
cl a i m s. Pl ea se s e e “ D ir e c to r s a nd O f f ice r s L i abi l i ty” at the e n d of thi s se cti on for d e tails. I n
a ddi t i o n , US L Ce r tif ie d O f f ic ia l s h ave a l owe r Acci d e n t d e d ucti bl e ( $500 vs. $1, 000 for non-
cert i fi ed); a n d h ave a h ig h e r Ga m e Fee Re i mbur se me n t l i mi t ( $7, 500 i n ste ad of $5, 000 for
n o n - cert i fi ed ) .
• If I am a pai d o f f i c i a l , i s my US L a cro s s e Accid en t I n s u ra n ce inva lida ted ? N o. Most states
reco gn i ze t h a t p a id of f ic ia l s a r e ind epe n d e n t con tractor s. As such, you ar e n ot subje ct to
wo rkers’ co m p e ns a tio n ins ura nce l aws — an d the U S L acr osse Acci d e n t an d L i abi l i ty p olicy
exc l u si o n s fo r “ inj ur ie s cove r e d by Wo r ke r s’ Compe n sati on In suran ce ” woul d n ot apply.
Th erefo re, paid of f ic ia l s a r e f ul l y p r o te cte d by the U S L acr osse Acci d e n t an d L i abi l i ty policies.
• D o I n e e d to o f f i c i a te by cer t a i n ru les in o rder fo r my U SL I n s u ra n ce to be in force? Yes,
of fi c i al s a re cove r e d fo r of f ic ia ting a l l amate ur l acr osse as l on g as they fol l ow U S L ac rosse’s
stated defi n i t io n of a l l owa b l e r ul e s . Al l owabl e r ul e s for the pl ay of l acr osse i n cl ud e Federation
of In tern at i o na l La c r o s s e (FI L) ; Na tio nal Col l e g i ate Athl e ti c Associ ati on ( N CAA); f i e l d lacrosse
ru l es spec i fi e d by th e Na tio na l Fe d e rati on of State Hi g h School Associ ati on s ( N FH S) and US
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
21L ac ro sse; i n do o r o r b ox l a c r o s s e r ul e s spe ci f i e d by FIL an d U S L acr osse . In ad d i ti on , gu idelines
o r ru l es fo r l a c r o s s e d is c ip l ine s d eve l ope d spe ci f i cal l y for athl e te s w i th cog n i ti ve or p hysical
ch al l en ges, or fo r o th e r ty p e s of p l ay ( Tr y-L ax , Coe d L acr osse , e tc. ), that ar e e i the r w ritten or
a do pted by U S La c r o s s e , a l s o fa l l und e r thi s cate g or y.
POLICY LIMITS FOR OFFICIALS
Thi s i s a su m m a r y of b e nef its . Fo r f ul l de tai l s on e ach pol i cy, pl e ase r efe r to Se cti on III.
BA S I C E XC E S S AC C I D E N T : Th is pol i cy i s the f i r st l aye r of the two Acci d e n t pol i cies
t hat m a ke u p t h e U S La c r o s s e Acc id e nt Pl an .
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Accident Medical Expense Limit $100,000 limit per injury
$20,000 (including Cardiac/ Circulatory
Accidental Death Benefit
coverage*)
Accidental Dismemberment Benefit $20,000 principal sum
Deductible — Non-certified Officials $1,000 per injury
Deductible — USL Certified Officials $500 per injury
Physical Therapy/Chiropractic Limit $2,000 (limited to $50
Durable Medical Equipment Limit maximum charge per visit)
Policy Benefit Period $2,500 maximum
Emergency Medical Evacuation (more than
2 years from date of injury
100 miles from home)
Emergency Repatriation Benefit (more than
$25,000 benefit for on-field injuries
100 miles from home)
Full Excess Coverage $25,000 resulting from on-field fatalities
Fu l l Exce s s Covera g e: Th e Ba s ic Acc ide n t pol i cy i s w r i tte n on a f ul l exce ss basi s, me aning th at
i t p ays o n l y a f te r a ny o th e r co l l e c tib l e in suran ce has pai d i ts be n ef i ts. If n o othe r i n sura nce is in
p lace, t h e po l i c y p ays o n a p r im a r y b a s is af te r the d e d ucti bl e has be e n appl i e d .
*Acc i d e n t al D ea th B en ef i t — C a rd i a c /Circu la to r y Covera ge: If an of f i ci al d i e s w i thi n 48 h ou rs
of a ca rdi a c o r c ir c ul a to r y (s tr o ke ) inc id e n t d ur i n g a cove r e d acti vi ty, thi s be n ef i t w i l l b e paid
to t h e m em ber’ s fa m il y. Th e Acc id e nt pol i ci e s d o n ot pr ovi d e any othe r cove rag e for si ckness or
i llne ss. Th erefo r e , m e d ica l ex p e ns e s fo r a car d i ac or ci r cul ator y i n ci d e n t woul d n ot be paid; only
t he D ea t h B en ef it is p aya b l e .
D ed u c t i b l e : Th e d e d uc tib l e und e r th is pol i cy appl i e s to e ach i n jur y r e g ar d l e ss of pay ments
made o r dedu c t ib l e s ta ke n by o th e r (p r i mar y) i n suran ce .
22 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EC ATA S T R O P H I C AC C I D E N T : Th is pol i cy i s the se con d l aye r of Acci d e n t cove rag e for US
L acr o sse m em be r s — p r ov id ing up to $ 1 mi l l i on i n Acci d e n t M e d i cal Ex pe n se be n ef i ts.
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Accident Medical Expense Limit $1,000,000
10 years
Benefit Period
$250,000 lump sum
Catastrophic Cash Benefit for
Coma/Paralysis
Deductible 2 years from date of injury
Adjustment Expense — up to $125,000
Family Counseling Expense — up to $25,000
Catastrophic Injury Extended Benefits — College Education Benefit — up to $150,000
provides up to an additional $1,000,000 for a
combination of the following: Adaptation Expense — up to $200,000
Ancillary Sickness Benefit — up to $200,000
Disability Benefit — up to $300,000
Im p or t an t n ote: Th e Ba s ic a nd C a ta s tr o phi c Acci d e n t pol i ci e s cove r on l y those me d i cal/dental
ex p en ses ari si n g o ut of Acc id e nta l I nj ur i e s that occur d ur i n g cove r e d acti vi ti e s. Th e po licie s do
n ot p rov i d e covera g e fo r c l a i ms a ri s in g o u t o f s ick n es s , illn es s o r bo dily co n d it ions. F or
exam pl e, n o cove ra g e is p r ov id e d fo r v ir us ( i n cl ud i n g COV ID-19 an d othe r s), commun i cable dis-
ease , h eart at t a c k , s tr o ke , p r e g na nc y , o r othe r such con d i ti on s ( exce pt for the Acci d e n tal Death
b en efi t , wh i c h s p e c if ica l l y ex te nd s cove rag e to fatal i ti e s cause d by he ar t attack or str oke).
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
23G E N E R A L L I A B I L I T Y A N D E XC E S S L I A B I L I T Y
The pri m ar y fo c us of th e G e ne ra l Lia b il ity pol i ci e s i s to cove r cl ai ms an d l awsui ts ar i si ng ou t of
Bodi l y In j u r y o r P r o p e r ty D a m a g e to o th e r s ar i si n g out of l acr osse acti vi ti e s. G e n e ral L i a bility and
E xce ss L i abi l i t y Co m b ine d P o l ic y Lim its pr ovi d e d to me mbe r s ar e :
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Limit of Liability per Occurrence $3,000,000
General Aggregate Limit per Location $7,000,000
Products and Completed Operations
$4,000,000
Aggregate
Personal Injury/Advertising Injury Limit $3,000,000
Sexual Abuse Liability Limit per Occurrence $2,000,000
Sexual Abuse Liability Limit Policy
$3,000,000
Aggregate
Damage to Premises Rented to You $1,000,000
Medical Payments (to nonparticipants) $10,000
Deductible $0
EXAMPLES OF LIABILITY CLAIMS TO OFFICIALS / ASSIGNERS
• A pl ayer i s se r io us l y inj ur e d (B o d il y I njur y) d ur i n g a g ame an d sue s the Of f i ci al s for allowing
ro u gh pl ay.
• A spec t ato r i s f il m ing th e g a m e b e h in d the g oal an d g e ts hi t w i th a bal l i n the eye ( b odily
i n j u r y ). H e su e s th e p l aye r w h o s h o t the bal l an d the of f i ci al for n ot ke e pi n g hi m out of th e
en d zo n e an d p r o te c ting h im f r o m e r ran t shots.
• A fi gh t breaks o ut d ur ing a g a m e a nd pl aye r s ar e i n jur e d as a r e sul t. It tur n s out that both
of fi c i al s a t t h e g a m e a r e ve r y inex p e ri e n ce d . Pl ai n ti f f s sue the of f i ci al s for n ot be i n g able
to m ai n t ai n s a fe ty of th e p l aye r s , a nd they sue the assi g n e r as we l l for n ot putti n g an
experi en ced of f ic ia l o n th e f ie l d .
24 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EADDITIONAL INSURANCE INFORMATION FOR OFFICIALS
Thi s i s a su m m a r y of th e s co p e of cove rag e . For f ul l d e tai l s on e ach pol i cy, pl e ase se e S ection I I I .
• S t an d ard L a c ro s s e Ac t i v i t i es : O f f ic i al s ar e cove r e d w hi l e of f i ci ati n g g ame s, tour n aments
a n d part i c i pa ting in c l inic s o r tra inin g se ssi on s. Cove rag e appl i e s to atte n d i n g of f i ci als’ or
a ssi gn ers’ ass o c ia tio n m e e ting s . A s a n of f i ci al me mbe r , you ar e al so cove r e d for assi gning,
t rai n i n g a n d o b s e r v ing d utie s . H oweve r , i f you al so pl ay or coach, you must r e g i ste r with US
L ac ro sse as a p l aye r o r co a c h ca te g o r y i n or d e r to be cove r e d for those acti vi ti e s.
• Any an d al l a ma teur l a c ro s s e – i n d o o r s o r o u t : The U S L acr osse In suran ce Pr og ram
a ppl i es wh et h e r th e l a c r o s s e g a m e s o r acti vi ti e s ar e he l d outd oor s or i n d oor s, as l on g as th e
est a bl i sh ed ru l e s a p p r ove d by U S La cr osse ar e e n for ce d . For box l acr osse pl aye d w i th dash er
bo ards, US L a c r o s s e Box /I nd o o r r ul e s must be fol l owe d . M i n or mod i f i cati on s to appr oved US
L ac ro sse fi el d o r b ox r ul e s , s uc h a s r e d uce d n umbe r of pl aye r s, f i e l d si ze , boun d ar i e s and
t i m e – wh et he r ind o o r s o r o utd o o r s - w i l l n ot af fe ct the i n suran ce cove rag e as l on g as th e
m o di fi ca t i o n s d o no t c h a l l e ng e th e inte n t of the r ul e s or je opar d i ze pl aye r safe ty.
• G rou p t rave l — a cc i d ent i ns ura n ce : The U SL Acci d e n t pol i ci e s d o pr ovi d e cove rag e for
i n j u ri es i n c u r r e d d ur ing g r o up trave l . G r oup trave l r efe r s to a g r oup of of f i ci al s or te am
m em bers go i ng d ir e c tl y to o r f r o m a l acr osse acti vi ty. In the eve n t of an auto acci d e nt, for
exam pl e, t h e U S L M e m b e r Acc id e nt pol i ci e s w i l l r e spon d on an exce ss basi s (af te r the au to
i n su ran ce, n o -fa ul t ins ura nce , a nd /o r pr i mar y he al th i n suran ce pol i ci e s have pai d be nefits). No
coverage i s p r ov id e d fo r inj ur ie s inc u r r e d d ur i n g i n d i vi d ual trave l , such as an of f i ci al driving to
o r fro m a ga m e .
• G rou p t rave l — l i a bi l i ty i ns ura n ce: The U SL L i abi l i ty pol i ci e s d o n ot pr ovi d e cove rage for
lawsu i t s stem m ing f r o m G r o up o r I ndi vi d ual Trave l . The r e i s n o auto l i abi l i ty or any o th er
lia bi l i t y covera g e fo r l aws uits a r is ing out of tran spor ti n g par ti ci pan ts. Thi s me an s that th ere
i s n o coverage fo r of f ic ia l s , co a c h e s , par e n ts, pl aye r s, or vol un te e r s w ho d r i ve pl aye r s or
o t h ers to a ny l a c r o s s e a c tiv ity. R P S B ol l i n g e r an d U S L acr osse str on g l y ad vi se te ams wh o
a re t ra n spo rting p a r tic ip a nts to m a ke ce r tai n that the d e si g n ate d d r i ve r s an d ve hi cl es are
pro perl y l i cen s e d a nd f ul l y ins ur e d p r i or to trave l i n g .
• COVID -1 9/Co mmuni c a bl e D i s ea s e E xclu s io n : As of 1/ 1/ 2 1, the U SL G e n e ral L i abi l i ty and
E xcess L i abi l ity p o l ic ie s w il l ca r r y a “ Commun i cabl e Di se ase ” excl usi on . Thi s me an s th at th ere
wi l l be n o l i a b il ity cove ra g e – inc l ud in g n o d efe n se cove rag e – for cl ai ms ar i si n g out of any
a l l egat i o n s re g a r d ing tra ns m is s io n, s pr e ad , i n jur y, d e ath or othe r l oss as a r e sul t of a ny viru s
o r co m m u n i ca b l e d is e a s e , o r th r e a t of such, i n cl ud i n g COV ID, SARS, an d othe r s.
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
25I AM A PROGRAM ADMINISTRATOR
• How d o I ge t i ns ura n ce ben ef i t s f ro m U S L a cro s s e? The r e i s n o spe ci f i c me mbe r sh ip
catego r y fo r p r o g ra m a d m inis tra to r s . The r efor e , the U SL M e mbe r In suran ce Pr og ram does not
a u to m a t i ca l l y a p p l y to yo u. H oweve r , you can be cove r e d by the U SL L i abi l i ty pol i ci e s if all of
t h e team s/ l ea g ue s und e r yo ur d ir e c tion ar e 100% r e g i ste r e d w i th U S L acr osse .
• 100 % m e m b ers hi p g ui d el i n e = L i a bility in s u ra n ce fo r yo u : U n d e r the U SL G e n e ral Liability
pl an , covera g e o nl y ex te nd s to te a m s, l e ag ue s an d tour n ame n ts as “e n ti ti e s” i f they a re 100%
regi stered wi th U S La c r o s s e . Wh e n that happe n s, the L i abi l i ty pol i ci e s ex te n d to the team
o r l eagu e a s a n e ntity , a s we l l a s a ny l e ag ue of f i ce r s, d i r e ctor s, pr og ram ad mi n i strators and
vo l u n teers. Th e r efo r e , if yo ur l e a g ue i s 100% r e g i ste r e d w i th U S L acr osse an d you ar e su ed
perso n al l y a s a r e s ul t of inj ur ie s o r p rope r ty d amag e be cause of your l acr osse d uti e s, you
wo u l d be pro te c te d by th e U SL Lia b ili ty pol i ci e s (accor d i n g to the te r ms of the pol i c y).
• How d o I e n s ure t ha t my pro g ra m is co mplia n t wit h t h e 100% m ember s h ip gu ide lin e?
In o rder to m e e t th e 1 0 0 % g uid e l ine , al l pl aye r s an d coache s must be cur r e n t me mbers of
US L ac ro sse. O nl y th e n w il l th e Lia b il i ty cove rag e appl y to te ams, l e ag ue s, of f i ce r s, directors,
pro gram a dm inis tra to r s a nd vo l unte er s. Pl e ase se e the se cti on ti tl e d “How to In sur e Team s/
L ea gu es fo r Lia b il ity. ”
• W h at are t h e ben ef i ts o f reg i s teri n g my pro gra m 100% wit h U S L a cro s s e? The r e are
m u l t i pl e ben ef its of j o ining U S La c r o sse . On e of the most i mpor tan t i s the i n suran ce package
of ben efi t s, i n c l ud ing $ 3 m il l io n of l iabi l i ty i n suran ce , an d $1mi l l i on of acci d e n t me dical
i n su ran ce fo r yo ur p a r tic ip a nts . Fo r p r og ram ad mi n i strator s, the se be n ef i ts ar e i mportant
becau se n o t o nl y a r e yo ur p l aye r s a nd coache s we l l -pr ote cte d i n case of i n jur i e s or l awsu its,
bu t yo u r pro g ra m o r tow ns h ip is a l s o pr ote cte d un d e r the l i abi l i ty pl an s – i n ad d i ti on to you as
t h e adm i n i st ra to r , yo ur vo l unte e r s , a nd your l acr osse boar d .
In addi t i o n , 1 0 0 % r e g is te r e d m e m b e rshi p e n ti tl e s you to ce r ti f i cate s of i n suran ce , n a ming
yo u r fi el ds a nd fa c il itie s a s a d d itio na l i n sur e d s at n o ad d i ti on al char g e . Ce r ti f i cate s of
i n su ran ce can b e a cce s s e d th r o ug h th e RPS B ol l i n g e r we bsi te usi n g the fol l ow i n g l i nk:
Cert i fi ca tes of I ns ura nce .
• Exp e r t i s e : J o ining fo r ce s w ith U S Lacr osse al so me an s you r e ce i ve the be n ef i t of their
resea rc h an d d eve l o p m e nt into s p o r t s sci e n ce an d safe ty, r i sk man ag e me n t an d be st
prac t i ces. Th e info r m a tio n f r o m th e U SL In suran ce / Ri sk M an ag e me n t commi tte e , an d th e
US L S po rt S c i e nce a nd S a fe ty co m m it te e s i s avai l abl e so that PA’ s an d vol un te e r s have th is
expert i se at t h e ir f ing e r tip s to p r o te ct the mse l ve s an d the i r pl aye r s.
• Is n ’ t i t eas i e r to buy o ur ow n i ns ura n ce fo r t h e lea gu e? Actual l y, n o. B y man d ati ng
US L ac ro sse me m b e r s h ip fo r yo ur p l aye r s an d coache s, you can r e st assur e d that you r
part i c i pa n t s, l e a g ue , d ir e c to r s , of f ice rs an d vol un te e r s ar e pr ote cte d by the be st sports
i n su ran ce pl a n ava il a b l e in to d ay ’ s mar ke t. You d on ’ t have to r e ad thr oug h pr oposal s and
po l i c i es to fi g ur e o ut w h a t’ s a p p r o p r i ate for your l e ag ue : the U S L acr osse I/ RM committee
h as a l ready d o ne th is wo r k fo r yo u. Pl us, you g e t the assi stan ce of U S L acr osse ’ s M e mbersh ip
D epa rt m en t , th e ir o nl ine r e g is tra tio n pr og ram, acce ss to U S L acr osse san cti on e d tournaments
a n d even t s, a nd th e b e nef it of th e ex pe r ti se an d r e se ar ch d on e by the U S L acr osse Sports
S c i en ce an d S a fe ty co m m itte e to m a ke sur e you ar e of fe r i n g the safe st l acr osse ex perience for
yo u r pl ayers. Th is is a w in- w in fo r yo u an d your or g an i zati on !
26 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EINSURANCE POLICY LIMITS FOR PROGRAM
ADMINISTRATORS
Thi s i s a su m m a r y of b e nef its fo r PA ’ s of 100% r e g i ste r e d te ams an d l e ag ue s. For f ul l d etails on
each po l i c y , pl e a s e r efe r to S e c tio n I I I .
G E N E R A L L I A B I L I T Y A N D E XC E S S L I A B I L I T Y P O L I C Y L I M I T S
The pri m ar y fo c us of th e Lia b il ity p o l ic ie s i s to cove r cl ai ms an d l awsui ts ar i si n g out of bodily
i nju r y o r pro per ty d a m a g e to o th e r s a r is i n g out of l acr osse acti vi ti e s. G e n e ral L i abi l i ty a nd
E xce ss L i abi l i t y Co m b ine d p o l ic y l im its pr ovi d e d to pr og ram ad mi n i strator s ar e show n below.
C OV E R AG E D E S C R I P T I O N L I M I T S / D E TA I L S
Limit of Liability per Occurrence $3,000,000
General Aggregate Limit per Location $7,000,000
Products and Completed Operations
$4,000,000
Aggregate
Personal Injury/Advertising Injury Limit $3,000,000
Sexual Abuse Liability Limit per Occurrence $2,000,000
Sexual Abuse Liability Limit Policy
$3,000,000
Aggregate
Damage to Premises Rented to You $1,000,000
Medical Payments (to nonparticipants) $10,000
Deductible $0
AC T UA L L AC R O S S E L I A B I L I T Y C L A I M S
• Er ran t bal l : A n e r ra nt b a l l m is s e s th e g oal , g oe s ove r the fe n ce an d cracks the w i n d sh ield
of a passi n g ca r . Th e ow ne r s e nd s th e $1, 870 bi l l to the l e ag ue ad mi n i strator . The l e a gu e is
co m po sed of 1 0 0 % r e g is te r e d te a m s w i th U S L acr osse an d the r efor e the G e n e ral L i ab ility
po l i c y pays t h e c l a im (w ith a $ 0 d e d u cti bl e ).
• S e r i ou s i n j u r y pro mpt s l aws ui t : A fe mal e youth pl aye r r uptur e s he r ACL d ur i n g a game
a n d t h e pa ren ts na m e th e co a c h , th e l e ag ue an d the l e ag ue of f i ce r s i n a l awsui t. The initial
dem a n d fro m th e p a r e nts ’ a tto r ney is $280, 000. The l e ag ue i s 100% r e g i ste r e d w i th US
L ac ro sse. Th e r efo r e , th e co a c h , th e l e ag ue i tse l f , an d the l e ag ue of f i ce r s ar e pr ote cted, and
t h e i n su ra n ce co m p a ny h a nd l e s d efe nse for the l awsui t an d any pote n ti al jud g me n ts or
se t t l em en t s th a t m ay b e m a d e .
• S p e c t ator i n j ur y : At a l a c r o s s e g a m e i n Fl or i d a, a l oose bal l hi ts a spe ctator , br e aki ng h is
a rm . Th e m an h a s no h e a l th ins ura nce an d sue s the te am. The te am i s n ot 100% r e g i stered,
a n d t h erefo re , th e r e is no cove ra g e for thi s cl ai m un d e r the L i abi l i ty pol i cy. The te am m u st
cover t h e l aws uit co s ts , a nd p ay l e g a l fe e s f r om the i r ow n f un d s.
U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D E
27ADDITIONAL INFORMATION PROGRAM ADMINISTRATORS
SHOULD KNOW ABOUT THE US LACROSSE MEMBER
INSURANCE PROGRAM
• Cove r s s t an da rd L a c ro s s e Ac ti v i ti es : Te ams an d l e ag ue s ar e cove r e d for sche d ul e d
ga m es, team p ra c tice s e s s io ns a nd s pon sor e d te am/ l e ag ue acti vi ti e s (as d ef i n e d be l ow in
“O t h er S u per v is e d Ac tiv itie s ” ) . Co a c h e s ar e al so cove r e d for on e -on -on e or g r oup training/
co n di t i o n i n g s e s s io ns th a t th ey r un, an d w hi l e atte n d i n g coache s’ cl i n i cs. As a coach m em ber,
yo u are o n l y cove r e d fo r co a c h ing — n ot pl ayi n g or of f i ci ati n g . If you al so par ti ci pate as a
pl ayer o r of fi c ia l , yo u m us t r e g is te r w i th U S L acr osse i n e ach cate g or y to be cove r e d by th e
i n su ran ce pro g ra m fo r o th e r a c tiv ities.
• Any an d al l a ma teur l a c ro s s e – i n d o o r s o r o u t : The U S L acr osse In suran ce Pr og ram
a ppl i es wh et h e r th e l a c r o s s e g a m e s o r acti vi ti e s ar e he l d outd oor s or i n d oor s, as l on g as th e
est a bl i sh ed ru l e s a p p r ove d by U S La cr osse ar e e n for ce d . For box l acr osse pl aye d w i th dash er
bo ards, US L a c r o s s e Box /I nd o o r r ul e s must be fol l owe d . M i n or mod i f i cati on s to appr oved US
L ac ro sse fi el d o r b ox r ul e s , s uc h a s r e d uce d n umbe r of pl aye r s, f i e l d si ze , boun d ar i e s and
t i m e – wh et he r ind o o r s o r o utd o o r s - w i l l n ot af fe ct the i n suran ce cove rag e as l on g as th e
m o di fi ca t i o n s d o no t c h a l l e ng e th e inte n t of the r ul e s or je opar d i ze pl aye r safe ty.
• O t h e r s u p e r v i s ed a c ti v i ti es : Te a m m e e ti n g s, ban q ue ts an d stan d ar d , n on hazar d ous
f un dra i sers - b a ke s a l e s , ca r wa s h e s a n d si mi l ar , l ow -r i sk eve n ts -- ar e cove r e d . “H azardou s”
f un dra i sers i n c l ud e s uc h a c tiv itie s a s boun ce house s, hi r i n g pe tti n g zoos, or hosti n g concerts,
and will need to be individually under w ritten and may incur an additional premium . No
coverage i s p r ov id e d fo r a ny eve nt that i n cl ud e s f i r ewor ks. Pl e ase con tact RPS B ol l i nger to
i n su re “ h aza rd o us ” o r h ig h -r is k a c tiv i ti e s.
• G rou p t rave l — a cc i d ent i ns ura n ce : The U SL Acci d e n t pol i ci e s d o pr ovi d e cove rag e for
i n j u ri es i n c u r r e d d ur ing g r o up trave l . G r oup trave l r efe r s to a g r oup of coache s or te a m
m em bers go i ng d ir e c tl y to o r f r o m a l acr osse acti vi ty. In the eve n t of an auto acci d e nt, for
exam pl e, t h e U S L M e m b e r Acc id e nt pol i ci e s w i l l r e spon d on an exce ss basi s (af te r th e au to
i n su ran ce, n o -fa ul t ins ura nce , a nd /o r pr i mar y he al th i n suran ce pol i ci e s have pai d be nefits). No
coverage i s p r ov id e d fo r inj ur ie s inc u r r e d d ur i n g i n d i vi d ual trave l , such as a coach d riving to
o r fro m prac tice .
• G rou p t rave l — l i a bi l i ty i ns ura n ce: The U SL L i abi l i ty pol i ci e s d o n ot pr ovi d e cove ra ge for
lawsu i t s stem m ing f r o m G r o up o r I ndi vi d ual Trave l . The r e i s n o auto l i abi l i ty or any oth er
lia bi l i t y covera g e fo r l aws uits a r is ing out of tran spor ti n g par ti ci pan ts. Thi s me an s tha t th ere
i s n o coverage fo r co a c h e s , p a r e nts , pl aye r s, or vol un te e r s w ho d r i ve pl aye r s or othe r s to any
la c ro sse a c t i v ity. R P S Bo l l ing e r a nd US L acr osse str on g l y ad vi se te ams w ho ar e tran sp orting
part i c i pa n t s to m a ke ce r ta in th a t th e designated drivers and vehicles are properly licensed
and f ully insured prior to traveling.
• COVID -1 9/Co mmuni c a bl e D i s ea s e Exclu s io n : As of 1/ 1/ 2 1, the U SL G e n e ral L i abi l i ty and
Excess L i abi l ity p o l ic ie s w il l ca r r y a “Communicable Disease” exclusion . Thi s me an s that th ere
wi l l be n o l i a b il ity cove ra g e – inc l ud in g n o d efe n se cove rag e – for cl ai ms ar i si n g out of any
a l l egat i o n s re g a r d ing tra ns m is s io n, s pr e ad , i n jur y, d e ath or othe r l oss as a r e sul t of a ny viru s
o r co m m u n i ca b l e d is e a s e , o r th r e a t of such, i n cl ud i n g COV ID, SARS, an d othe r s.
28 U S L A C R O S S E 2 0 2 1 I N S U R A N C E G U I D EYou can also read
