Naso

[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.