Insurance
Overview
Ohio Soccer Association (OSA), in partnership with Player’s Health, provides general liability, participant accident medical, and Directors & Officers insurance coverage for their full member leagues and clubs while conducting operations on behalf of OSA.
Player’s Health is a mission-based athlete safety and insurance company focused on creating the safest environment in youth sports. As founder of the company, Tyrre Burks had a vision to create a company that tackled athlete safety issues such as abuse prevention and injury management in sports. OSA chose to partner with Player’s Health because of their expertise and willingness to provide creative solutions to meet the needs of its members.
THIS OUTLINE IS FOR GENERAL INFORMATION TO WHAT COVERAGE(S) THE INSURANCE POLICY OR POLICIES PROVIDE AND IS NOT INTENDED TO DESCRIBE ALL OF THE VARIOUS DETAILS PERTAINING TO THE INSURANCE. ACTUAL COVERAGES ARE DETAILED IN THE POLICY OF INSURANCE AND ARE ALWAYS SUBJECT TO TERMS, PROVISIONS, CONDITIONS, AND EXCLUSIONS AS CONTAINED THEREIN.
Health
National Health Plan [PDF]
Ohio Soccer Association, through our partnership with Player’s Health, is now able to offer a National Health Plan focused specifically for Sports Organizations. All staff, coaches, referees, and volunteers of OSA and its member leagues and clubs are now eligible for the Player’s Health National Health Plan, with additional reduced rates for those who are of W2 or 1099 status. Below are the benefits of the plan:
- Consolidate membership (sports club/league employees and their dependents) that normally participate in individual group insurance plans into one large group (fully insured) plan.
- Large group plans provide participants with rates resulting in lower health plan costs (9-15%) savings.
- Groups are placed in tiers based on their risk level, but overall benefit from manual rating. Watch the video here for clarity on this.
- Reduce workload and management for individual sports club/league employers.
We are asking all leagues and clubs to participate in the census, as this will have a dramatic impact on our group pricing. The more leagues and clubs we get to submit the census, the more affordable rates will be. Below are very important dates:
Census Deadline: September 10
Rates Provided: October 15th
Open Enrollment: October 15th – November 15th, 2021
Plan Start Date: January 1, 2022
An application form, along with further information and instructions to submit your census, is available HERE.
General Liability
Who Is Covered?
Ohio Soccer Association, its affiliated associations, leagues, clubs and all officers directors, coaches, employees, teams, team officials, and volunteers while acting on behalf of Ohio Soccer Association.
Insurance Carrier: Everest Indemnity Insurance Company (A.M. Best rated “A+”)
What Is Covered?
- Liability for bodily injury or property damage to spectators, game participants, and to members of the general public for activities sanctioned by Ohio Soccer Association
- Liability for outdoor fields owned by affiliates for its sole use while acting on behalf as a member of the state association.
- Activities necessary or incidental to the conduct of practice, exhibition, post season and scheduled games.
- Liability for false arrest, detention or malicious prosecution, libel, slander, defamation of character, or wrongful eviction.
- Hired and non-owned auto while being used in the business of the named insured. Excludes coverage for any driver transporting athletic participants.
- Products liability for food or drinks sold on premises.
Participant Accident Medical
Who Is Covered?
Insured persons include all registered team members, coaches, managers, referees, officials, and volunteers of the team, league or association.
What Is Covered?
Insured persons are covered for injuries resulting directly and independently of all other causes from accidents occurring while participating in the following covered activities:
- Scheduled games, team practice sessions, tryouts or sponsored activities provided they are under the direct supervision of a team official; or sanctioned local or national tournaments as a member of a contestant team.
- Organized group travel under the supervision of a team official as authorized by the Policyholder directly to and from a covered event.
Insurance Carrier: Great American Insurance Company (A.M. Best rated “A+”)
Ohio Soccer Association excess accident medical insurance policy is secondary insurance. Failure to follow the rules of your primary healthcare coverage will result in a benefit reduction of eligible expenses to 50% of the amount otherwise payable.
File A Claim
Participant Accident Medical Claim Procedures
In the event of injury requiring medical treatment:
1. You as a member of Ohio Soccer (Injured individual, guardian, or parent) file a claim on PH Claims site.
2. An incident/FNOL (First Notice of Loss) is created by the PH system and included on Ohio Soccer dashboard.
3. The incident/FNOL is verified by the Ohio State Soccer Administrator and either approved or denied.
4a. If denied by Ohio Soccer, will explain the reason why and it will be sent in an email to you.
4b. Incident/FNOL becomes a claim and moves into Claims dashboard.
5. Our Third Party Claims Administrator (Co-ordinated Benefit Plans) will reach out to the athlete, parent, guardian who filed claim to gather necessary information for the claim with an acknoledgement email. Please have your explanation of health insurance benefits ready if you have primary insurance. Crawford will review the policy and files for all information.
6. Claim is paid based on the insurance policy benefits.
Please include a copy of your approved roster along with your insurance claim to the OSA office.
Directors & Officers
Who Is Covered?
Ohio Soccer Association and its full members (league or club) scheduled onto the policy to include any individual who has been, now is or shall become a director, officer, governor, trustee, equivalent executive, employee (whether salaried or not), volunteer, leased or temporary employee, or committee member.
Directors & Officers Liability for Ohio Soccer Association Full Members
Tokio Marine Specialty Insurance Company
$1,000,000 Directors & Officers Liability
$1,000,000 Employment Practices Liability to include Third Party Wrongful Acts
$1,000,000 Policy Aggregate Limit (limit tied in with state policy)
Retention (Deductible per Claim)
$1,000 Director & Officers Liability
$5,000 Employment Practices Liability
Notable Exclusions: Bodily Injury, Property Damage, Class Action Lawsuits, Sexual Abuse, Peer Review, Credentialing
Certificate of Insurance
A Certificate of Insurance is valid for one year, September 1 – September 1.
If you have any questions, please contact Gina at the OSA office.
Note: Gina is out of office March 25-April 4, 2023. Please email office@ohio-soccer.org during this time.
To request a COI, please click the button below:
