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Originally Posted by BigFarns
As I understand it, by being a member of NFHS that my dues insure me against any litigation should a kid get hurt or whatever during a game. Does this protection extend to Pee-wee or the local Semi-pro games? If not where/how should I protect myself?
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I hope an attorney who reads this board can provide an update but even with insurance coverage, you could be found liable for something if the courts find you negligent. For example, if you are aware an administrator or the band is on the edge of the field during a game and do nothing about it and a player goes into them causing an injury, you could be found negligent. If there was a lawsuit I believe the insurance would cover you but this doesn't remove the responsibility to manage that situation properly.