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-   -   General Liability Insurance (https://forum.officiating.com/basketball/104090-general-liability-insurance.html)

maroonx Fri Oct 19, 2018 07:15am

General Liability Insurance
 
Where can i get a general liability policy for college officials?

SC Official Fri Oct 19, 2018 07:16am

I assume NASO is probably the most popular package.

AremRed Fri Oct 19, 2018 06:32pm

NASO and CBOA are the ones I know of, but not sure if you have access to CBOA unless you are a part of an affiliated group/staff.

I went with NASO, cuz it offers more coverage plus Referee Magazine (yay).

Mark T. DeNucci, Sr. Fri Oct 19, 2018 07:39pm

Quote:

Originally Posted by maroonx (Post 1025381)
Where can i get a general liability policy for college officials?


If you have moved up in your career to officiating at the college level I would strongly recommend that you become a member of NASO if only for the insurance coverage that NASO membership will give you. It will cover you for any basketball game at any level any where in the world.

MTD, Sr.

Matt S. Sun Oct 21, 2018 08:14am

I'm a NASO member and am supportive of its benefits. However, an official gets injured, it doesn't seem to do much. $50/game in lost fees is nothing even a D3 official. I'd be interested in knowing if there are any other insurers out there that have better benefits for when the official is the one who gets injured.

Camron Rust Sun Oct 21, 2018 10:45am

Quote:

Originally Posted by Matt S. (Post 1025407)
I'm a NASO member and am supportive of its benefits. However, an official gets injured, it doesn't seem to do much. $50/game in lost fees is nothing even a D3 official. I'd be interested in knowing if there are any other insurers out there that have better benefits for when the official is the one who gets injured.

This comes to mind...

http://2.bp.blogspot.com/-rQWCTMJfyG...9_2014_055.jpg

BillyMac Sun Oct 21, 2018 12:07pm

It's A Bargain ...
 
Quote:

Originally Posted by Matt S. (Post 1025407)
$50/game in lost fees is nothing even a D3 official.

I see that this could be a financial problem for a full schedule college official that gets injured early in the season and misses his assignments for the rest of the season.

IAABO insurance offered through the Borden Perlman Insurance Agency is also limited to $50.00 per game, with a $2,000.00 maximum payout (our varsity fee is $97.17).

It's still a bargain for $7.00 a year, especially the $5,000,000.00 liability insurance.

The medical and dental insurance is great for those officials who may not have medical insurance.

The $10,000.00 accidental death benefit is great for those officials who may not have life insurance. It will help the family pay for an unexpected funeral.

Imagine I have no medical insurance or life insurance, a fight breaks out in my first game of the season, somebody believes that I'm negligent in some slight manner, while moving toward the scorer's table to report the technical fouls for the fight, I accidentally trip over my own loose shoelace and hit my head on the table, I'm hooked up to respirator in a hospital for a month, and I eventually die. Seven bucks is a bargain for my family.

Note: I do not work for the Borden Perlman Insurance Agency, nor do any members of my immediate family, nor do I portray an insurance agent on television.

This is not me:

https://tse1.mm.bing.net/th?id=OIP.s...=0&w=229&h=173

The_Rookie Thu Nov 01, 2018 06:44pm

Some Officials who make $100,000 -$200,000 annually in game fees purchase an individual long term disability income policy that will replace lost income. No idea on cost of such a premium.

Raymond Fri Nov 02, 2018 07:59am

Kersey, Sealey, Clark & Associates Home Page

This company provides insurance coverage for athletic officials. I don't know any details of the plans. Kersey in the banner is the college supervisor.


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