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A couple of things:
How many of you have actually had to "use" your insurance? Not health insurance for illness or injury, but insurance based upon something you did or did not do, as an official?
Secondly, IMHO every insurance policy is probably different, and most will do anything they can "not" to pay, so I'd be certain what the specific exclusions / inclusions were, before I relied upon it.
For example, it's my understanding that in the ASA world, the insurance an official has for the annual fee DOES NOT cover that official if the game is not "sanctioned" by ASA. What that means to me, then, is that even though I'm ASA legitimate, when I call community recreation department slow pitch games in that league, I am not covered because the league is not "sanctioned".
That makes me think a little - who is more likely to seek legal remedy, high school kids (where I'm covered by the school and NHFS), or grown men / women playing under a much "looser" organization, city government?
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Lloyd
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