Wednesday, December 11, 2019


Dissinger Reed is proud to provide insurance and risk management for the NFHS Officials Association. With over 34 years of insurance experience for governing organizations and high school associations, Dissinger Reed understands the unique special risks involved with the NFHS and its members. The NFHS and Dissinger Reed have specifically designed an insurance plan to cover Officials and all registered member Associations. Plan details are as follows:


As a member of the National Federation of High Schools Officials Association, you are provided with an insurance package which includes, General Liability, Accident Medical and Accidental Death and Dismemberment insurance. This insurance package is provided to you as part of your membership dues. There is no additional fee.


    All officials currently registered with a member state association, or with an affiliate of the NFHS (if that association registers officials and if that association registers for NFHS insurance benefits)

    State and local officials’ associations who have 100% membership in the NFHS Officials Association.

    Assignors, instructors and rule interpreters who are currently registered with the NFOA are covered under the Liability Policy for claims involving bodily injury and property damage. There is no coverage under the Liability Policy for any other type of claim.


    Insurance coverage applies while the member is performing his/her officiating duties during a regularly scheduled sports or activity competition.

    The sport or activity must be recognized in that state by the member state high school association or by high schools that follow the state association guidelines.

    If the sport is recognized by the state high school association for men or women, the official will be covered for officiating that sport for both men and women.

    Officiating duties include chain crews and attending officiating camps, clinics and meetings.

    Coverage for officials extends, not only to high school activities, but also to college, independent youth, adult and recreational leagues. However, coverage is still limited only to sports recognized by the state high school association.

    Accident medical coverage only for direct travel to and from a covered activity. No general liability coverage.

National Federation of State High School Associations 

Coaches and Officials Coverage 


General Liability Insurance Carrier: Scottsdale Insurance Company

Effective Date: July 1, 2019 – July 1, 2020

General Aggregate Limit: $5,000,000 

Products-Completed Operations Aggregate Limit: $5,000,000 

Each Occurrence Limit: $2,000,000

Personal and 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 Coverage Endorsement 

Crisis Response – Each Event/Aggregate: $25,000 

Deductible: $0 (zero) 

Excess Liability Insurance 

Carrier: HDI Global Specialty SE 

Effective Date: July 1, 2019 – July 1, 2020 

Each Occurrence Limit: $1,000,000 

General Aggregate Limit: $1,000,000 

Blanket Accident Program 

Carrier: Hartford Fire Insurance Company 

Effective Date: July 1, 2019 – July 1, 2020 

Benefits: Excess Accident Medical Expense Benefit

Maximum Benefit $50,000

Deductible (Disappearing)$250

Accidental Death and Dismemberment Maximum Benefit $10,000

Heart & Circulatory Malfunction Maximum Benefit $10,000

Physical Therapy – per Visit Up to $50 Per Day

Physical Therapy– Maximum per Injury 40 Days, Limited to One Treatment Per Day 

Durable Medical Equipment – Maximum per Injury Up To $1,000 per Covered Accident

Prescription Drug – Maximum per Injury Up To $1,000 per Covered Accident

Benefit Period 52 Weeks


Treatment by a Physician Within 26 Hours

Concussion - Maximum   3

Covered Activities: Insured persons are covered for injury resulting from an accident which occurs directly from:

*Activities that are scheduled, sponsored, or supervised by the policyholder;

*Premises owned, leased or borrowed by the policyholder;

*Travel scheduled, sponsored or supervised by the policyholder. (accident medical coverage only)

*For officials/referees, coverage shall apply only while the member is engaging in officiating activities

during regularly scheduled sports or activities competition, which includes assigning, chain crew, and

attending or operating officiating camps, clinics or meetings.

*Coaches - coverage is only afforded to those members of the National Federation Coaches Association

who are certified by the NFHS as having completed the National Federation Coaches Education Program.

Dissinger Reed, LLC

8700 Indian Creek Parkway, Suite 320

Overland Park, KS 66210

Phone: 800-386-9183 or 913-491-6385

Fax: 913-491-0527