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Manny, the PIAA/NFHS coverage extends to any sport recognized by PIAA, even non-scholastic games: "Coverage for officials extends, not only to high school activities but also to college, independent youth, adult and recreational leagues. However, coverage is still limited only to sports recognized by the state high school association."
NASO: $116 ($199/2 years); NFOA: $35 ($25 if through a group with 50+ participants). NASO's liability coverage is vastly better than NFOA's. NFOA may have a medical component, but it's not clear to me if this is so.
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