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Take a stand.
1. Refuse to pay for the insurance which you are no longer receiving. It is fine if the state association no longer wishes to have officials procure their insurance through that office, but they can’t continue to charge for it. Insist that your dues are reduced by the proper amount or have your officials not pay any of it. This hits the state office in the pocketbook.
2. What does your contract say with the state? Is there a timeline or notice period which must be given when changes are made?
3. You have several options for obtain your own insurance. NASO, NFHS individual membership, NFHS group plan (at a discount, inquire), private insurance from a company, etc. Find out what the requirements are where you officiate and who sets those levels. Is it the state office? The schools? The school district? What is needed $1M in liability? Negligence coverage? Personal medical?
4. If your group informs all of the schools that PIAA dropped your insurance and your officials may not now have the necessary time to obtain outside coverage, what are they going to do? Are there other officials in your area which they could use for soccer? If not, would they cancel the contests? You have leverage. Think about your angles and how you wish to proceed.
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