The US Lacrosse Liability Plans provide coverage for claims and lawsuits involving Bodily Injury and Property Damage to others, which arise out of lacrosse activities and operations. The Liability Plans are comprised of two policies: the General Liability policy and the Excess Liability policy. These coverages round out the insurance benefits of US Lacrosse membership and provide much-needed protection to members in today’s litigious society.
Who is Covered?
The following are covered as named insureds under the General Liability policy: US Lacrosse, Inc., and the US Lacrosse Foundation; all currently registered member players, coaches and officials residing in the U.S.; the directors and officers of US Lacrosse and its member chapters, In addition, teams and leagues that have 100% of players and coaches currently registered as members of US lacrosse are covered for Liability for the team/league as an entity; and liability coverage extends to their board and volunteers. Camps, Clinics and Tournaments for which US Lacrosse Event Insurance has been purchased are also covered by the Liability plans.
Coverages Provided by the Liability Plans
Under the General Liability and Excess Liability policies, coverage is provided for claims and lawsuits arising out of:
- Participant injury
- Spectator injury
- Property damage liability (to others)
- Operations and activities necessary and incidental to the conduct of games or practices
- Sponsored functions like meetings, banquets and fundraisers
- Advertising and Personal Injury liability
- Products and Completed Operations liability, as respects the functions incidental to a lacrosse team or league
- Claims arising out of alleged or actual Sexual Abuse or Molestation. Note that coverage is not provided for those accused of abuse, but for civil suits alleging negligence or other claims against the Team, League or others in positions of authority.
- Policy coverage is worldwide, provided that suits are brought in a U.S. court of law.
General Liability and Excess Liability Combined Policy Limits:
|Per Occurrence Limit:||$3,000,000|
|General Aggregate Limit per Location:||$7,000,000|
|Products & Completed Operations Aggregate:||$3,000,000|
|Personal Injury/Advertising Injury Limit:||$2,000,000|
|Sexual Abuse & Molestation Limit per occurrence:||$2,000,000|
|Sexual Abuse & Molestation aggregate:||$3,000,000|
|Damage to Premises Rented by you:||$1,000,000|
|Medical Payments (to non-participants):||$10,000|
The primary focus of coverage for General Liability policies is to cover claims and lawsuits arising out of Bodily Injury or Property Damage to others. Examples of these types of claims are:
- A player is seriously injured (Bodily Injury) during a game and sues the team, the league and the officials for allowing rough play.
- A spectator gets hit with a ball in the eye (Bodily Injury) and sues the team and the field owner for not protecting spectators from errant shots.
- The windshield of a car is damaged by an overthrown shot (Property Damage to others) and the owner of the car submits the bills for repair to the Tournament Director for payment.
- Players at a camp held on a college campus set a Porta-Potty on fire (Property Damage to others) and the college presents the bill to the Camp Director for payment.
- Players on an overnight trip with their team are victims of sexual abuse by their coach (defined as Bodily Injury). Their parents sue the coaches, the team and the league in a civil suit for negligence, failure to supervise and child endangerment.
This summary is a brief description only of the coverages, conditions and exclusions of the policy, and in no way affects or alters the scope of coverage provided. For the full details of terms and limitations, please refer to the actual policy, which is available for review in the US Lacrosse National Headquarters in Sparks, Md.
Notable Liability Policy Exclusions
In addition to the standard exclusions found under the General Liability policy (such as Pollution, Asbestos, Nuclear Energy or Employment Practices), these policies exclude coverage for: Transportation of Participants, claims involving Fireworks, Sexually Transmitted Disease or the use of Trampolines. Also, with regard to Indoor Lacrosse, the policies exclude coverage for any box lacrosse or for play of lacrosse that permits boarding or cross-checking.
Please note that General Liability policies do not cover claims alleging "wrongful acts" or "errors and omissions". These types of claims are covered under Directors & Officers Liability policies and can include allegations such as eligibility disputes; wrongful termination or wrongful suspension; discrimination issues; and other matters involving rules interpretation, First Amendments rights and the like. For more information on Directors & Officers Liability or to purchase coverage, please go to Additional Insurance Policies.
The General Liability and Excess Liability Policies are underwritten by Markel Insurance Company, Glen Allen, VA. Markel is rated "A" by A.M. Best’s rating service.