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.
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.
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: firstname.lastname@example.org. 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.