- Soccer Accident Insurance-updated benefit information effective July 1, 2016.
AYSO purchases Soccer Accident Insurance ("SAI"), which pays excess medical costs up to $50,000 maximum per accident to an insured person for accidental bodily injuries incurred as a direct result of participation in a covered activity subject to the policy terms, conditions and exclusions.Eligibility for benefits is 52 weeks from the policy effective date or the date of a covered accident. Download the SAI Brochure for more detailed explanation of the plan. Accident Medical Expense Benefits are only payable:
- for usual and customary charges incurred after the deductible has been met;
- for those medically necessary covered expenses that the covered person receives;
- first medical or dental expense must be incurred within 90 days of covered accident;
- proof of loss must be filed within 90 days;
- each claim is subject to a $1000 Deductible; and 20% member Coinsurance;
- Claims will require:
- Copies of primary Explanation of Benefits (EOB)
- Copies of itemized insurance billing forms - UB04 or CMS1500
- No Primary Insurance: If there is no other insurance available to the registered member, the medical benefit will be processed on a primary basis subject to Usual and Customary rates, and the policy terms, conditions and exclusions.
- MAXIMUM BENEFITS PAYABLE: (subject to policy terms, conditions & limits)
- $50,000 maximum excess medical costs
- $15,000 for Accidental Death & Dismemberment
- $10,000 for Dental Benefit for injuries to sound natural teeth
- $10,000 for Orthopedic Benefit
- $1,000 Physical Therapy; $100 per day up to 10 days
All AYSO currently registered* members (players, coaches, managers, team workers, referees, officials and volunteer workers) are "Covered Persons" for accidental bodily injury while participating in the following covered activities:
- Team practice sessions, scheduled games, tournaments, or other sponsored activities (meetings, banquets, fundraisers) provided they are under the direct supervision of an AYSO registered volunteer.
- Travel of covered members to and from a sponsored activity such as practice sessions, games, tournaments, or AYSO sanctioned activities, provided that players are traveling as a team and a licensed adult driver operates the vehicle.
For Injuries occurring on July 1, 2016 and after:
*Registration requirements will be verified before any benefits are paid.
- Incident Report
- Participation Release
Whenever a player or youth volunteer has suffered a concussion or an injury or illness that required the care of a physician or a visit to an emergency care facility, the AYSO Participation Release Form must be given to the parents or guardians. The participation release form must be completed in full and signed by the child's parents or guardians before the player or youth volunteer will be allowed to participate further in the program.
This form protects not only AYSO, but more importantly, the participants. Too often participants are out playing again before they are physically ready. Players should not participate until they are ready to play again. This form should also be used in cases of major illness.
Directions for use:
- The Regional Safety Director should enter the mailing information located in the lower portion of the form on a master copy of the form each year, and prepare copies for distribution or make the form downloadable from the Region's web site
- One or several blank forms should be given to all team coaches as part of the materials provided them at the beginning of any season.
- Tournament directors would be advised to have a supply on hand as well.
- The form should be sent to the Regional Safety Director for filing, but could be retained by the coach for a week or so in the event anyone might question the participation of the player subsequent to an illness or injury. (At the Region's option a two part NCR version of the form could be produced so that the coach retains a copy and sends the original to the Regional Safety Director.)
- The form is required whenever a player is removed from participation for concussion symptoms or it is known that the player has had to seek emergency room treatment or a physician office visit to treat an injury or illness affecting the player's readiness to participate.
- Participation Release Forms for a Concussion and any accompanying Medical Release required by State law, must be forwarded to the National Office at firstname.lastname@example.org.
- AYSO General Release
Once the team coach has assumed charge of the children on his/her team, the coach remains responsible until a duly designated adult has taken charge of each child after a practice or game. No child shall be left unsupervised after a game or practice
AYSO does not encourage children to walk or ride a bicycle home or to a friend or relative's house. However, we recognize that it may be necessary in some cases. When it is, coaches should secure a general release form from the parents/guardians to ensure their approval. General Release Form
- General Liability
AYSO carries a General Liability policy and the policy period is July 1 through June 30 of the next year.
Who is covered: The Organization, its Directors, Officers, players, employees and volunteers for injuries or damages the Organization becomes legally obligated to pay, including applicable legal costs for defense.
Coverage Limits: $1,000,000 each occurrence / $3,000,000 aggregate Per RegionCoverage is provided for:
- Participant injury
- Spectator injury
- Property damage liability
- Activities necessary and incidental to the conduct of games or practices
- AYSO sanctioned functions, including meetings, banquets and fundraisers
- Adults participating in
- Soccer scrimmages or games with the youth players
- Soccer games with other adults (other than the Adult League)
- Fireworks (sale or detonation) Note: Regions operating Firework stands for fundraising MUST contact the AYSO National Office first.
- Amusement Devices (specifically excludes bounce houses, climbing walls, tractor pulls but also excludes carnival-type rides in general). Call the National Office for a full list. 800-872-2976
- Equipment Insurance- effective November 2017.
Because Region equipment (other than golf carts and trailers) is not covered under the General Commercial Liability policy, AYSO has purchased Soccer Equipment Insurance (“Equipment Coverage”) though Everest. This is being offered for sport equipment (e.g., uniforms, balls, goals), field maintenance equipment (lawn mowers, field survey and lining equipment, etc.), concession stand equipment (and inventory), small storage sheds owned/leased/rented, and with prior approval other leased or rented equipment (portable generating lights).
Regions are responsible for the yearly premium. The premium is based on a rate of $2.50 per $100 of coverage subject to a $250 Minimum Premium. Example: $20,000 Limit of coverage divided by 100 equals 200 (Hundreds) X $2.50 Rate equals a total premium of 500.00.
Deductibles: $1,000 Per Occurrence for Theft and $500 Per Occurrence for all other claims (e,g, fire, vandalism) . No coverage is provided for losses due to flood or earthquake. Please read carefully all coverage conditions, pricing and other information on the Insurance Application provided.
Click Here for 2017-2018 AYSO EQUIPMENT PLAN INSURANCE APPLICATION
- Safety Director's Checklist
- Weather, Concussion and Goal Safety Information
- About Willis North America - AYSO's Insurance Broker
AYSO’s insurance program is reviewed annually to make sure we receive the maximum benefits for our premium dollars. Our insurance advisory firm, formerly known as Willis Group Holdings, merged with Towers Watson in January, and is now operating as Willis Towers Watson. They are a leading global advisory, broking, and solutions company. Willis Towers Watson is publicly traded on the New York Stock Exchange (NYSE:WLT), and has 39,000 employees in more than 120 countries.