[JRutledge]

Rick,

I think you need to read the nfhs.org website about the insurance. I think it may vary a little depending on how much your state puts into the insurance. You also can get insurance if you are a NASO member or even a member of this website (on the paid site). I have looked over the insurance but could not tell you many of the details because I have never had to file a claim myself. I do know people that have over the years, but the insurance has changed since those people filed a claim.

Peace