Religious Headwear ...

[Danvrapp]

Originally Posted by BillyMac

...and I lose my house and savings in a negligence lawsuit.

I agree with you whole-heartedly for this reason alone!

I like how the AD in your article was "unaware" of the rule that required written approval, thereby throwing the official under the bus.

The quote about the official having "good intentions but poor judgement" seems kind of hypocritical to me. Shame on that official for hiding behind the written rulebook!

I wonder, as the article goes on to say, when the rulebook gets rewritten so as to avoid players feeling ostracized and AD's feeling angry and deeply saddened, if there will be an inclusion to give officials amnesty if an when this event ever happens.

Nothing wrong with a little CYA, I suppose... Touchy subject...

[BillyMac]

I have this. Don't really understand it. Would it cover me in the situation in my thread starter post? Is this good insurance for a basketball official? I've only posted the liability information. $3,000,000 doesn't seem enough for a quadriplegic high school student?

IAABO Insurance Program

General Liability
Pays for claims arising out of bodily injury and property damage to third parties – includes providing a legal defense for IAABO, IAABO Boards, and Member Officials

General Liability Coverage
$3,000,000 Per Occurrence
$5,000,000 Aggregate Per Official
Participant Legal Liability Included (suit from a player)
No Deductible
No Player vs Player Exclusion (suit resulting from a fight)
Covered for “any game, anywhere”
Carrier: Markel Insurance Company

Liability Protection (Included with IAABO Membership)
Covers bodily/personal injury and property damage to third parties
Bodily injury also includes defamation and negligence
Cost to defend a lawsuit is paid by the insurance company
Meeting sites for board meetings may ask for a certificate of insurance

Examples of Lawsuits

Negligence
Claims can arise based on official’s failure to inspect the court, control the game, etc.
Example: Player is attacked by opponent and sues official alleging that referee negligently failed to protect him.
Example: Injured player alleges that an official failed to control the game by not calling fouls or technical fouls, leading to a much rougher game and resulting in the player’s injuries.

Judicial Review of Official’s Decision on the Court
Calls made on the court can be a basis for a suit
Example: Athletes file suit against official claiming that the ref was not following proper procedures in the game, thus affecting their opportunity to secure college athletic scholarships.
Example: Actual IAABO claim – Coach sued IAABO official after being ejected from the game and escorted from gym by police. Claimed mental anguish, suffering, etc.

Liability
Aggregate $5,000,000 per Official/Per Location
Products-Completed Operations Aggregate Limit: $5,000,000
Personal & Advertising Injury Limit: $3,000,000
Each Occurrence Limit: $3,000,000
Player vs. Player $3,000,000
Participant Legal Liability $3,000,000
Fire Legal Liability $ 100,000
Medical Expense Limit-Other than Participants $ 5,000
Deductibles: None
Point of Contact: Borden Perlman