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I can understand that you feel the need to have insurance coverage and that's been rehashed here over and over so I'm not going to address that issue.
If you're unsure about taking a game for whatever reason you need to tell the assigner that you're not available for these games, please let me know about games next week or whatever their assigning period is.
This buys you a few days to do your research. As a rookie softball umpire you may feel like there's a chance something will happen that you will be sued for, for myself as a 20-year official, I quit worrying about that a long time ago knowing the odds are in my favor there won't be an issue.
When you wish to officiate, you're at the mercy of the assigner who controls the available work. S/he is your entry to doing the games and you need to respect that situation.
It's really not fair to the rest of your officials to take a game and then not show for it, it makes everyone look bad. If I'm in your association and know that you've taken a game and I'm sitting at home watching the grass grow because there are no other unassigned games and I decide to go down to the local park and find that the only umpire assigned to the game or there's now a single umpire because someone failed to show, I'm not going to be impressed with you especially if there is an umpire and they say, oh, Jim was supposed to be here, don't know where he is....not ok.
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