[BillyMac]

I have this. Don't really understand it. Would it cover me in the situation in my thread starter post? Is this good insurance for a basketball official? I've only posted the liability information. $3,000,000 doesn't seem enough for a quadriplegic high school student?

IAABO Insurance Program

General Liability
Pays for claims arising out of bodily injury and property damage to third parties – includes providing a legal defense for IAABO, IAABO Boards, and Member Officials

General Liability Coverage
$3,000,000 Per Occurrence
$5,000,000 Aggregate Per Official
Participant Legal Liability Included (suit from a player)
No Deductible
No Player vs Player Exclusion (suit resulting from a fight)
Covered for “any game, anywhere”
Carrier: Markel Insurance Company

Liability Protection (Included with IAABO Membership)
Covers bodily/personal injury and property damage to third parties
Bodily injury also includes defamation and negligence
Cost to defend a lawsuit is paid by the insurance company
Meeting sites for board meetings may ask for a certificate of insurance

Examples of Lawsuits

Negligence
Claims can arise based on official’s failure to inspect the court, control the game, etc.
Example: Player is attacked by opponent and sues official alleging that referee negligently failed to protect him.
Example: Injured player alleges that an official failed to control the game by not calling fouls or technical fouls, leading to a much rougher game and resulting in the player’s injuries.

Judicial Review of Official’s Decision on the Court
Calls made on the court can be a basis for a suit
Example: Athletes file suit against official claiming that the ref was not following proper procedures in the game, thus affecting their opportunity to secure college athletic scholarships.
Example: Actual IAABO claim – Coach sued IAABO official after being ejected from the game and escorted from gym by police. Claimed mental anguish, suffering, etc.

Liability
Aggregate $5,000,000 per Official/Per Location
Products-Completed Operations Aggregate Limit: $5,000,000
Personal & Advertising Injury Limit: $3,000,000
Each Occurrence Limit: $3,000,000
Player vs. Player $3,000,000
Participant Legal Liability $3,000,000
Fire Legal Liability $ 100,000
Medical Expense Limit-Other than Participants $ 5,000
Deductibles: None
Point of Contact: Borden Perlman