Naso

[Mark T. DeNucci, Sr.]

Originally Posted by Camron Rust

I know that the OSAA provided insurance (from the NFHS) does. The only requirement is that it is a scheduled game (no pickup game) and that it be in a sport that is recognized by your state.....If the state recognizes varsity basketball, you're covered for a 3rd grade basketball game.

OhioHSAA in a 100% NFHS state and we have the same coverage that you do.

[ref2coach]

Originally Posted by RichMSN

I like having the liability insurance and have been a long-time member of NASO, but personal umbrella coverage is typically not expensive and covers a lot more than what you get from NASO.

Most personal umbrella policies have an exclusion in the base policy language for "profession activities". When you accept payment to referee you trigger the coverage exclusion on most personal umbrella policies. You would have coverage when refereeing for free for a charity game or organization, but not when being paid.

Please read the "definitions" and the "exclusions" portion of you policy before you get sued.

FYI: Licensed Insurance agent since 1990.

[26 Year Gap]

Originally Posted by Mark T. DeNucci, Sr.

I wasn't calling you stupid, I was not sure if FloridaHSAA insurance will cover you for non-FloridaHSAA events. My OhioHSAA insurance does but other states may be different. I know about the FloridaHSAA shirt thing because I have officiated a vast number of AAU and YBOA national basketball tournaments in Florida over the many many summers that I have been alive and have many Florida officiating friends. You may know one: Larry "Torch" Torchia of Torch's Referee & Umpire Supplies in Merritt Island, and Jim Thompson in Vero Beach.

MTD, Sr.

Essentially, FHSAA is for sanctioned events and travel to and from said events. I suspect had the official who was attacked been hurt or hospitalized that the insurance would have covered it. It is beat into our heads to NOT wear FHSAA patches to events not sanctioned by them. I do plenty of AAU, YBOA, USSSA & other non-FHSAA basketball down here and usually wear b/w shirts with no patches. I am about 1:45 below Orlando, so I do not know those folks, but know of Torch's.

[Camron Rust]

Originally Posted by 26 Year Gap

Essentially, FHSAA is for sanctioned events and travel to and from said events. I suspect had the official who was attacked been hurt or hospitalized that the insurance would have covered it.

Sounds like you're talking about medical insurance for the official, not liability insurance. Those are two very different things and most people are not worried about the medical as they likely have that covered elsewhere. It is the liability that everyone is worried about.

[Freddy]

...take your wife out of town and flash the NASO card and you'll save more on your hotel (I think Marriots) bill than what you paid for an annual membership.
Worthwhile for me.

[bob jenkins]

Originally Posted by Freddy

...take your wife out of town and flash the NASO card and you'll save more on your hotel (I think Marriots) bill than what you paid for an annual membership.
Worthwhile for me.

But, I think, that's comparing the Marriott rack rate with the discount rate. The real comparison is what you pay with the card vs. what you'd pay with hotwire, or travelocity, or AAA discount, or jsut calling the hotel....

The few times I've tried it the NASO card would have been more expensive than the rate I got.

[Rich]

Originally Posted by ref2coach

Most personal umbrella policies have an exclusion in the base policy language for "profession activities". When you accept payment to referee you trigger the coverage exclusion on most personal umbrella policies. You would have coverage when refereeing for free for a charity game or organization, but not when being paid.

Please read the "definitions" and the "exclusions" portion of you policy before you get sued.

FYI: Licensed Insurance agent since 1990.

Thanks. I wasn't trying to provide professional advice. That said, I have been a NASO member for a long time -- I have learned that one can never have enough insurance. But I'm glad you mentioned this in case I'm ever sued and tried to stack my policies.

[Rich]

Originally Posted by bob jenkins

But, I think, that's comparing the Marriott rack rate with the discount rate. The real comparison is what you pay with the card vs. what you'd pay with hotwire, or travelocity, or AAA discount, or jsut calling the hotel....

The few times I've tried it the NASO card would have been more expensive than the rate I got.

I've gotten some big bargains. I always try the VIP rate alongside the other discount rate codes I'm entitled to use. Sometimes I win, sometimes I don't. Mostly I stay at Starwood Hotels these days, so it doesn't really matter.