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Interesting differences
Again, the system here in Australia is very different to the USA.
All players, coaches and officals must register with their local association before playing/training/coaching/refereeing. This registration fee is around AUD$75 per annum. Of this, approximately AUD$65 goes to the state governing body (in my case - New South Wales).
This registration fee covers our insurance. It includes injury, disability and death insurance. I can't remember the exact numbers, but it covers around 75% of the cost of treatment for injuries, and will also cover loss of income for up to 6 weeks (there is also a maximum $ value). Again, I'm not sure of the exact numbers, but the payout for total permanent disability or death is around the AUD$250,000 ammount.
On top of this, it also provides public and professional liability insurance up to AUD$10 million and free legal assistance and representation.
Personally, I think this is a pretty reasonable level of cover, at a decent price. The way I look at it, is that I need to referee less than 5 games per year to cover my registration - everything on top of that is profit.
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