Safety Policies, Forms, & Insurance
Do we have coverage under AYSO’s General Liability Policy to participate in parades with registered players and volunteers riding on a trailer or walking beside the vehicle?
No. This would be considered an uncovered off-field activity. The AYSO policy would exclude liability and auto coverage for this type of event. Auto coverage would fall to the insurance policy of the driver of the vehicle. However, our Soccer Accident Insurance (SAI) policy would be available to registered players or volunteers.
Do we have coverage under AYSO’s General Liability policy to offer a bounce house or an amusement ride at our opening date ceremonies?
No. AYSO’s General Liability policy specifically excludes bounce houses, amusement rides and various other non-soccer related activities. For a more detailed list of excluded items, contact the National Office at 800-872-2976.
No. AYSO’s General Liability specifically excludes the selling of fireworks.
AYSO covers a specific list of volunteers and employees who are cleared to rent vehicles when requested to conduct official AYSO business by the National Office. If you are not on that list then you would not have coverage and you would have to rely upon your own automobile insurance to provide coverage.
Currently the list includes those serving as National Board members, Special Directors, Section Directors and National Office staff who have passed a DMV check.
Do I have coverage under AYSO’s automobile policy for a rental car traveling to another Region for training?
No, you will not have coverage and we recommend that you pick up any additional insurance the rental company offers.
Do I have coverage under AYSO’s automobile policy for a 15-passenger van that will be traveling to a tournament?
No, you will not have coverage. AYSO recommends you purchase the insurance coverage offered by the rental company regardless of the vehicle chosen. AYSO also strongly recommends not renting 15-passenger vans as the risk of accident with these vans is significantly higher than a private passenger auto.
Do I have automobile insurance coverage under AYSO’s policy as a parent who transports several players to/from practices and games?
No, coverage would fall under your own automobile policy. However, in the event of an accident, all the registered players would be covered under our Soccer Accident Insurance (SAI) policy.
Is there coverage under AYSO’s General Liability policy for off-field activities such as team celebrations off-site, banquets at restaurants, and amusement park days)?
No, this would be considered an uncovered off-field activity. Coverage would only be provided through the Soccer Accident Insurance (SAI) policy. There is no coverage under the AYSO General Liability policy. For a more detailed list of excluded items, contact the National Office at 800-872-2976.
As the owner of the vehicle owner you must file the claim through your own insurance company to immediately rectify the damage or utility of the car. Wind, rain, and other natural occurrences are considered by insurance companies to be “Acts of God.” These types of occurrences are not “at fault” coverage’s where a company is negligent or legally liable.
Will AYSO’s General Liability policy provide primary coverage for me if I am accused of sexual abuse as a registered Coach in my Region.
Yes, you will be covered by AYSO’s policy on a primary basis, and you will not have to look to your own homeowner’s policy. A person will have coverage up to the point where it is determined that that person took part in inflicting physical or sexual abuse upon another person. All General Liability policies exclude intentional acts once proven by a court of law.
Do I have coverage under AYSO’s General Liability policy if I unintentionally injure a player while trying to break up a player fight between said player on the field?
Yes! There would be coverage under AYSO’s current General Liability policy for that type of lawsuit.
Why does AYSO not provide liability coverage for a lawsuit arising out of volunteers versus volunteer situations?
AYSO and its insurance carrier insures against negligent activities related to its operations, not private incidents between two players or two volunteers.
Do we have coverage under AYSO’s General Liability policy if a participant files a lawsuit over injuries received by another participant in a physical altercation?
There would be no coverage under AYSO’s General Liability policy for that type of lawsuit. Our policy specifically excludes participant versus participant lawsuits.
Why does AYSO not provide liability coverage for lawsuits arising out of player versus player situations?
Because injuries arising out of playing the sport of soccer or other activities associated with soccer such as practices, games, pre- and post- game activities, related non-athletic activities are considered part of the sport and excluded from our General Liability coverage. AYSO and its insurance carrier insures for activities related to its operations, not private incidents between two players or volunteers.
Do we have coverage under AYSO’s General Liability policy if a parent files a lawsuit over player injuries received by another player in a physical altercation?
There would be no coverage under AYSO’s General Liability policy for that type of lawsuit. Our policy specifically excludes player versus player lawsuits.
Are intentional acts of harm, deliberate causes of injury, during an AYSO event covered under AYSO’s General Liability policy?
There is no coverage for AYSO’s volunteers under our General Liability policy for any intentional acts of harm.
Our policy provides primary coverage unless the incident occurs during a non-soccer related event. For instance, if a volunteer holds an end of season party at their house, our carrier will provide excess coverage over any underlying homeowner’s policy. This means that anyone suing you for an incident that may occur during the non-soccer related event would first look to your homeowners policy for coverage if one exists, and then to the AYSO liability policy, in that order.
A renewal certificate will not automatically be generated. Please be sure to renew your eCert every year.
What if the entity requesting a certificate of insurance will not accept the standard form produced via the online system?
Call the National Office at 800-872-2976.
Click here and use Step 3, Contact Us. Or call the National Office at 800-872-2976.
Not directly. AYSO has placed the cost of producing certificates into the total per player premium.
Producing certificates of insurance is a necessary but costly business process. Using eCertsOnline helps minimize premium costs.
Agents are looking for two things. Firstly, that the AYSO ID is valid and exists in the AYSO membership database? And secondly, is the player or volunteer registered for the season in which the injury occurred?
If you have not been provided contact information by the coach, you can use AYSO’s website to find the RC’s and Safety Director’s contact information through Region Search or send a message to firstname.lastname@example.org asking for their contact information.
The signatures of the Regional Commissioner and Safety Director ensures they are aware of the injury and provides further verification that the player and/or volunteer is property registered.
AYSO is a National Organization divided into approximately 1,000 local communities we call regions. Every region has an identifying regions number. This will help identify you and your claim.
Contact your local Regional Commissioner or Registrar for your Region’s Number.
Log into the AYSO registration system of record and locate player and volunteer AYSO ID’s from the My Account Tab.
AYSO IDs are automatically generated by our registration system of record upon completion of a player registration form or a volunteer application form.
The AYSO ID is a unique identifiable number which may be used to prove a player or volunteer’s identity. A player AYSO ID is received after completing the registration process and paying the registration fee to your local region. Volunteers receive AYSO ID after completing a formal National Office approved volunteer application form AND being approved by trained local volunteers and national AYSO staff.
To prevent the payment of claims to persons who should not be filing. This saves time and resources from going toward fraudulent claims. And it’s the right thing to do!
A claims processing agent must validate a player or volunteer is properly registered in the AYSO system of record before they can pay the claim.
Yes. SSNs and Visa Numbers are only used for claims processing and claimant identification. They are not published or given out. Computer systems, email and fax lines are secure and compliant with federal HIPAA regulations. Security is updated regularly in accordance with the Department of Insurance and the Department of Health and Human Service Regulations.
The AYSO SAI Claim form is an application for insurance benefits and our Third Party Administrator is allowed by the Department of Insurance to request this information in order to ensure accurate claims processing and for HIPAA verification. SAI Claims submitted without either of these numbers will not be processed.
The first medical expense must be incurred within 60 days of the covered accident/injury. Emergency Room visits must be done within 48 hours of the covered accident/injury.
You run the risk of having your claim denied. If you file the claim late and it is denied, you may be offered the ability to file an appeal.
If there is no other insurance available to the participant, the claim will be processed on a primary basis. See the claim form instructions on how to submit a claim for primary coverage.
Yes, there is a $200 deductible. The AYSO policy would consider claims applied to the another policy’s deductible in accordance with all policy provisions after applying the $200 deductible to the first $200 of allowed expenses under the other policy. AYSO’s policy is a Full Excess, pays Usual & Customary and will not always reimburse in full as there are plan limitations. It is not a Flex Plan but evaluates all claims in accordance with policy provisions.
Usual & Customary means claims will be paid for medical fees and services that do not exceed those generally charged for similar Medical Care in your area.
Full Excess means you must submit your medical bills to any other applicable health care plan you have in force, prior to making a claim under this policy. If your medical coverage is under an HMO or similar plan, you must follow their rules for obtaining benefits; otherwise no benefits will be paid under this policy. Refer to the SAI brochure your were given during registration or on this website.
It is a Full Excess Policy and all claims will be paid on a Usual & Customary basis paying medical costs up to $50,000 maximum per claim to an insured person for accidental bodily injuries occurred as a direct result of participation in a covered activity.
A steward is someone entrusted with safeguarding, protecting, watching over. AYSO launched the concept of Stewards of the Game in order to make player safety the number one priority on game day. Coaches from each team and the referees are asked to work together as a team of stewards to focus on player safety including pre-game player equipment checks, field inspections, review of concussion protocols as well as checking in with each other at game stoppages.
Stewards of the Game are also asked to help maintain kids zone sideline behavior and to promote good sportsmanship.
It’s important that a basic first-aid kit is available to each AYSO team during all practices and games. First-aid kits can be provided to each coach for the season or can be made available at a standardized location at each soccer field during practices or games.
The contents of a first-aid kit can vary and can be purchased from a number of locations, but a basic first-aid kit should include the minimum recommended list of the following items:
- Adhesive bandage strips – 10 each
- Adhesive bandage – 3 large and 3 medium
- Antiseptic wipes – 5 each
- 2×2 gauze- 10 each
- Elastic wrap – 2 each
- Individual first-aid cream packets
- Non-latex gloves – 2 pair
- Mouth rescue breather – 1 each
- Instant Cold pack
Application of elastic wrap or athlete tape should be limited to use by individuals trained in their application to avoid impairing circulation or causing further injury.
AYSO strongly recommends that first-aid training opportunities be made available to all Regional volunteers. Training should be conducted by certified professionals from local organizations such as a chapter of the American Red Cross, the Fire Department or hospital. Ideally, all coaches should receive basic first-aid training; however, it is not a requirement that all coaches be first-aid certified.
Safe Haven™ is a program designed to address a growing need for child and volunteer protection. There are four elements in the Safe Haven™ intervention cycle: Create Policies, Screen Volunteers, Train Volunteers, and Promote Education and Awareness. These are intended to stop child abuse and its agents before they get into the program.
The Volunteer Protection Act of 1997
This law grants immunity from certain types of prosecution for volunteers who meet its requirements. In order to receive full protection under the law, AYSO volunteers must: 1. be properly trained and certified; 2. be performing duties as laid out in a position description; 3. act within the scope of AYSO’s Policies, Procedures, and Guidelines.
AYSO’s goal is to provide training certification for all its volunteers. Certification offers the hope that every AYSO child will be treated with understanding, compassion, and respect.
The national media has focused on the negative, even violent, behavior of players, coaches and parents involved in youth sports. Kids Zone™ is a dynamic program targeted to eliminate negative sideline behavior. Kids Zone™ buttons and signs are distributed throughout the Region and parents are asked to sign the Kids Zone™ Pledge promising to behave within the guidelines of the program.
AYSO does not provide automotive liability or property coverage for transporting children to official games and team practices. Most states require primary automotive coverage be carried by the owner of the vehicle.
General Liability – provides coverage for the organization, its directors, officers, field owners, employees and volunteers for injuries or damages the organization had become legally obligated to pay, including applicable legal costs for defense.
General Liability Claims
To file a claim or seek liability coverage, contact the Risk Management/Insurance Department at the AYSO National Office, 1-800-872-2976, or email: email@example.com. Be prepared to provide supporting documentation and the completed AYSO Incident Report Form (see Incident Reporting Chapter).
Certificates of Insurance
Agreements for permission to use fields or facilities, whether or not a fee is charged, often require proof of insurance coverage or a Certificate of Insurance.
Click here for eCerts Made Simple! instructions.
Emergency Treatment Authorization Form – authorizes the treatment and/or care of players in cases of medical emergency.
Coaches must have a copy of the Player Registration Forms or acceptable Emergency Authorization forms with them at all times during practices and games in the event of medical emergency. It is the Safety Director’s responsibility to check with local hospitals and clinics to determine whether AYSO’s authorization is acceptable. If AYSO’s Authorization is not acceptable, obtain a copy of the necessary form and distribute it to all the Region coaches. Parents of each player must fill out and sign the appropriate form and return it to the coach for their keeping.
Soccer Accident Insurance (SAI) – serves as a secondary/excess medical and/or dental insurance should an accidental injury occur during specified AYSO activities and events.
Who is covered:
All AYSO members currently registered* (players, coaches, referees and other volunteers) are “Covered Persons” for accidental bodily injury while participating in the following covered activities:
-Team practice sessions, scheduled matches, tournaments, or other sponsored activities (meetings, banquets, fundraisers) provided they are under the direct supervision of an AYSO registered volunteer.
-Group travel, defined as (5) five or more people in one vehicle, directly to and from an AYSO sanctioned event such as practice sessions, matches, tournaments, or sponsored activities, provided that players are traveling as a team and a licensed adult driver operates the vehicle. Group travel which is interrupted for more than two hours, is excluded. (Please see Automotive Liability Chapter for further details)
What is covered?
-Medical/surgical treatment by a doctor or dentist.
-Services of a licensed or graduate nurse.
-Stays in a hospital.
-AYSO Nationally Sanctioned Events
Soccer Accident Insurance (SAI) 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. Eligible expenses incurred within 1 year of the date of a covered accident (one within 1 year of the policy effective date) are eligible for benefits under this policy. Accident Medical and Dental Expense Benefits are only payable for:
-Usual and customary charges incurred after the deductible has been met;
-Those medically necessary covered expenses that the covered person receives;
-Claims when the first medical/dental expense is incurred within 90 days of the covered accident;
All claims must be filed within 90 days of the covered accident and each claim is subject to a $1000 Deductible.
Filing an SAI Claim
The Regional Safety Director is responsible for ensuring that any injured participant, or their parent/guardian, receives the SAI information and claim form from the AYSO website.
To file a claim, the claimant must:
- Obtain an AYSO Soccer Accident Insurance (SAI) form, here.
- The injured person (or their parent/guardian) must complete, sign and date Part A of the claim form and return the form to the Safety Director for signatures.
- The Regional Safety Director and Regional Commissioner must complete, sign and date Part B of the claim form. This section also requires proof of eligibility in the form of the claimant’s AYSO identification number on the printed player registration or volunteer application forms or ID cards.
It is the responsibility of the claimant to collect the fully completed form from the Regional Safety Director, make a copy for his/her own records and should submit the claim form to the address provided on the form within 90 days of the date of injury.
Claimant should consider sending the form Certified/Return Receipt through the US Postal Service.
If the player or player’s parents are covered by any other health care plan, bills must be submitted to the other plan first. After the primary plan has paid its share of the claim, any remaining balances will be eligible for consideration under the AYSO SAI Plan.
SAI claims may be submitted before receipt of the Explanation of Benefits (EOB) Form in order to comply with the 90 day filing period, but copies of the EOB and all itemized bills should be submitted as soon as the claimant receives them.
A Safety Director – The role of the Safety Director is to serve as the Region focal point for Safety Awareness and Insurance Information.
The primary responsibilities of the Safety Director include:
Implementing a Regional Safety Plan which includes:
-First aid kits.
-Field and equipment inspections.
-Procedures for environmental hazards.
Acting as the focal point for Insurance Information and safety awareness.
Ensuring compliance with AYSO Emergency Treatment Authorization, Incident and Concussion Reporting.
Ensuring the availability of Soccer Accident Insurance brochures and claim forms.
Being familiar with the SAI claim process.
Safety Director training requirements include:
Safety Director Job Training
AYSO’s Safe Haven
CDC’s Concussion Awareness Training
A CVPA – Child and Volunteer Protection Advocate, is one of the 7 required Regional Board positions as specified in the National Bylaws and Standard Regional Policies and Protocols. The CVPA serves as the Safe Haven program representative in the local Region, Area or Section.
The primary responsibilities of the CVPA include:
- Screening Volunteers at the local level.
- Working with the Regional Board to ensure all approved volunteers are registered and assigned to their specific positions.
- Working with the Regional Coach Administrator, Regional Referee Administrator and Regional Commissioner to ensure that all coaches, referees and volunteers are properly trained and certified and that they receive an annual Safe Haven protocol review.
- Serving as a contact for child abuse, child protection concerns.
- Working with the Regional Commissioner to ensure mandated reporting of suspected child abuse.
The CVPA is training requirements include:
- CVPA Job Training
- AYSO’s Safe Haven
- CDC’s Concussion Awareness Training
- AYSO’s Annual Safe Haven Addendum
The Volunteer Protection Act of 1997 was passed by Congress to promote volunteerism. It provides protection from certain liabilities for those volunteers who meet its requirements including when an authorized volunteer acts within the scope of their position responsibilities and in accordance with their training.
For the protection of both players and volunteers, AYSO requires all volunteers to:
- Complete and eSign a volunteer application each and every year.
- Be authorized to perform their job by an AYSO Region, Area, Section, National Board or other AYSO authority.
- Act with the scope of their job descriptions, AYSO’s policies, procedures and guidelines.
- Complete AYSO’s Safe Haven (child, volunteer protection) training, and
- Be properly trained for their job (job training).
These requirements help ensure that volunteers receive all the protection they are entitled to under the Volunteer Protection Act and any Good Samaritan laws while providing for the protection of players and complying with municipal, state and federal legislation.
Accreditation by an authorizing agency attests to and approves our programs as meeting a prescribed standard. Accreditation applies to our programs, the way that they are delivered, and who delivers them. Through accreditation, an outside, credentialed institution grants recognition that we maintain reputable standards. The National Council for Accreditation of Coaching Education (NCACE) Standards Accreditation – Accreditation and adherence to NCACE’s national standards provides AYSO with across the board recognition and validity from colleges, universities, high school athletic associations, national governing bodies of sport, youth sports organizations, and others for AYSO’s certification programs.
Registering and Screening All Volunteers
AYSO requires all volunteers to complete a volunteer application every year and agree to background investigations. References are checked for all brand new volunteers and every volunteer is asked to consent to criminal background checks in accordance with AYSO’s National Criminal Background Check Policy and any state or federal legislation.
Training and Certification
In order to ensure the fulfillment of AYSO’s vision and the protection of players and volunteers, every volunteer is required to take AYSO’s Safe Haven (child/volunteer protection) training and be properly trained for their jobs (job training). AYSO’s certification program provides every volunteer with the highest level of training and features child-centric curriculum, age and developmentally appropriate activities and AYSO certified instructors.
Child and Volunteer Protection Guidelines
AYSO’s protection guidelines are designed to prevent opportunities for abuse to occur while minimizing opportunities for volunteers to be misunderstood or falsely accused. The guidelines hold coaches responsible for all players, for maintaining supervision protocols and maintaining appropriate adult/child boundaries.
Safety and Injury Prevention
All volunteers are asked to help promote safety and injury prevention by recognizing common emergency medical conditions, risks associated with environmental hazards, weather conditions, field conditions and equipment.
AYSO’s Safe Haven® program is designed to address the growing need for both Child and Volunteer Protection in youth sports. The components of the program help create a safe, fair, fun and family friendly environment – “safe haven” – for all participants.