Once again, damn I'm gald I don't live in the USA.
Under Australian laws, there is no way that a referee can be held liable for an injury to a player - with the exception of forcing a player that is injured to move. All local assosications have insurance that covers players, referees, team followers, and spectators in the case of injury, even if they are training, scrimaging or whatever.
It must really suck to have to constantly consider the legal ramifications of your actions. Thankfully all I hve to worry about is getting the call right