Association – Executive Committee What does the NFHS Insurance cover? What is your General Liability? How do we minimize risk?

NFHS Coverage What Officials are Covered Activities Covered General Liability Benefit Summary

NFHS General Liability Benefit Summary General Aggregate Limit – None Products-Completed Operations Aggregate Limit $5,000,000 Each Occurrence Limit $1,000,000 Personal & Advertising Injury Limit $1,000,000 Damage to Premises Rented to You $300,000 Premises Medical Payments $5,000 Sexual Abuse & Molestation – Each Occurrence $1,000,000 Sexual Abuse & Molestation – Aggregate $2,000,000 Participant Legal Liability $1,000,000 Crisis Response – Each Event/Aggregate $25,000

Your General Liability NFHS membership coverage ONLY extends to you as an individual! It does NOT apply to your duties as a camp or tournament director, nor does it cover social events such as golf outings or annual social events. Does not cover decisions you may make as an officer in the association.

Directors & Officers More Responsibility creates More Liability Suspension of a member Failure to have or follow by-laws Mismanagement of funds Members file lawsuit against decision made Negligence at an Association Training Event

How to Minimize Risk Follow IHSAA & NFHS Guidelines Have and Enforce By-Laws Accounting Practices Insurance Coverage D&O Event Coverage Crime Insurance

150 Member Association Insurance Cost Example w/o General Liability NASO-ON D&O$550/year NFHS Crime Ins$290/year Event Coverage$100/per event (2 EVENTS) TOTAL:$1,040/year TOTAL PER MEMBER:$6.94/year

150 Member Association Insurance Cost Example with General Liability NASO-ON D&O$550/year NFHS Crime Ins$290/year NASO Gen Liab.$940/year TOTAL:$1,780/year TOTAL PER MEMBER:$11.87/year