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Unfortunately, in our court-based world, we could be held liable for fights, injuries, etc if there is proof that we are negligent or not adjudicating the rules. Most conferences don't have any sort of legal assistance for officials. The State Assoc. of HS officials I work in does have insurance for legal coverage when we are working for them. College conferences require that we carry our own insurance policy. I am covered through NASO ($100 annually).
My advice would be: figure out what if any insurance does your group offer officials. Check into NASO. Never referee a non-sanctioned contest or game that isn't assigned by your normal supervisor. Never allow stuff like jewelry in rec-leagues that contradicts the rules.
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