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 High School Associations
Coaches and Officials Coverages

General Liability Insurance 

Carrier: Everest National Insurance Company 

Effective Date: July 1, 2018 – July 1, 2019

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: $2,000,000 

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: $2,000,000 

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

Employee Benefit Liability/Each Claim $1,000 ,000
                                        Deductible: $1,000
Employee Benefit Liability Aggregate: $3,000,000
Terrorism: Included
Deductible - $0 (zero)

Excess Liability Insurance

Carrier: Everest National Insurance Company 

Effective Date: July 1, 2018 – July 1, 2019

Policy Limit: $1,000,000 

Policy Form: Straight Excess 

General Aggregate Limit: $1,000,000 

Products-Completed Operations Aggregate Limit: $1,000,000 

Terrorism: Included

Blanket Accident Program

Carrier: United States Fire Insurance Company 

Effective Date:July 1, 2018 – July 1, 2019

Benefits: Accident Medical Expense Benefit

Maximum Benefit     $50,000
Deductible      $250
Maximum Dental Limit (Sound and Natural Teeth)       Included In Medical Max
Accidental Death and Dismemberment Maximum Benefit     $10,000
Heart & Circulatory Malfunction Maximum Benefit     $2,500
Physical Therapy/Chiropractic – per Visit    $50
Physical Therapy/Chiropractic – Maximum per Injury   $2,000
Durable Medical Equipment – Maximum per Injury   $1,000
Outpatient Prescriptions – Maximums per Injury    $1,000
Accidental Death & Dismemberment Benefit  $2,500

Benefit Period      1 Year
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. 


Dissinger Reed

8700 Indian Creek Pkwy, STE 320

Overland Park, KS 66210

toll-free: 800-386-9183

tel: 913-491-6385

fax: 913-491-0527


Christian Reed – President

Max Biggerstaff – Account Executive

Mindee Blount – Business Development

Claims Questions: please call 800-386-9183 and speak with Max Biggerstaff.

Please Note: For Membership questions, please call the NFHS directly at (317) 972-6900.