SABO provided insurance from Sadler Sports and Recreation Insurance
http://www.sadlersports.com/
Every referee assigned by SABO has the following coverage provided under this program. The plan includes:
Commercial General Liability – coverage which protects the insured against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations, and personal and advertising injury.
Legal Liability to Participants – coverage which offers protection against bodily injury liability claims brought by persons participating in covered sports activities.
Professional Liability – provides protection against claims that arise out of the rendering, or failure to render: instruction, demonstration, direction and/or advice relating to the sports activity.
Medical Payments for Participants – coverage which pays the medical and dental expenses incurred by a participant when an accidental injury occurs while participating in your covered sports activities. The coverage is provided on an excess basis, responding after all other
medical coverage available to the participant has been exhausted. If no other medical coverage exists, the coverage becomes primary. A $100 deductible applies to each claim, and the benefit period is two years from the date of the accident.
Hired Auto and Employers’ Nonownership Liability (not provided while in Hawaii)– coverage which protects the insured against liability claims arising out of the maintenance or use of motor vehicles hired or borrowed by the insured on a short-term basis, as well as coverage for those autos your organization does not own, lease, hire, rent or borrow that are used in conjunction with your operations. Coverage does not extend to the transporting of participants or to those vehicles that are rented, hired or borrowed on a long-term basis.
Comparison of insurance provided by SABO and that provided by GHSA approved high school associations (GGSO, MBOA, CCOA, PSBOA, AQBA, AABOA etc)
Commercial General Liability SABO GHSA
Each Occurrence $ 2,000,000 $1,000,000
General Aggregate (other than Products-completed Operations) $ 4,000,000 ?
Products -completed Operations Aggregate $ 2,000,000 $1,000,000
Personal and Advertising Injury $ 2,000,000 $1,000,000
Medical Expense (other than participants) $ 5,000 ?
Professional Liability $ 2,000,000 $1,000,000
Legal Liability to Participants $ 2,000,000 $1,000,000
Medical Payments for Participants (secondary)-$100 deductible $ 250,000 $ 25,000
Accidental Death and Dismemberment $ -- 0 -- $ 10,000
Disability ($50/game - 3 game deductible) $ -- 0 -- $ 500
***This policy does NOT cover Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement Coverage
