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The NASO game fee insurance program is a separate package that I didn't think was worthwhile. If you have games booked well into the future and suffer an injury, it might be worthwhile. But I'm a 1-sport official in an area where officiating contracts are signed shortly before the season, so I didn't think the coverage was worth the premium.
I do like the NASO's liability coverage. It covers you for pretty much any type of organized game, as opposed the the coverage provided by our state association.
And I enjoy the magazine, too.
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