I spent 4 months working in a personal injury law firm. The fact of whether or not to sue doesn't factor into the equation when someone has died as a result of negligence. It rarely happens, but when it does, you need to be prepared. And if something goes wrong and there's a remote question as to whether they'll sue you, they probably will. Always be prepared. In my football association, we boycotted a league because we couldn't get insurance for that league. It needs to be taken seriously.

Yeah, what factors into the decision is can the lawyer get paid when the case is done.

15 yo with liability coverage is at a much greater risk to get sued than a 15 yo with no income, no assets and no insurance.

When Brandan has a house, kids, good job & responsibilities let him worry about getting ripped off by the insurance industry. For now, f 'em.

Of course, ymmv. :shrug:

Take a look at the NF polciy closely. the last time we looked it covered NF sanctioned sports. Here is he wording from the NF site

The Insurance coverage shall apply only while the member is engaging in officiating activities during regularly scheduled sports or activities competition. That sport/activity must be recognized in that state or U.S. territory/possession by the member state high school association or by high schools that follow the guidelines of the member state associations (or an NFHS affiliate association in the territory/possession). If a sport is recognized for either men or women in that state, territory or possession, the official will be covered for officiating both men and women. Coverage also applies while such member is officiating temporarily outside the United States, its territories and possessions, as long as the sport is recognized by one of the state high school associations or an NFHS affiliate association.

• Officiating activities also include chain crews, and attending officiating camps, clinics and meetings.

• Coverage is not limited to high school activities. It also applies to officiating activities for independent youth or recreational leagues, junior college and college events but only for sports that are recognized for high school participation by that state’s high school association.


The biggest exclusion is pro or semi pro event.