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.
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.
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.
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.