If you or your child is injured during a Hartwell sanctioned event, it is possible you are eligible for CJSA's insurance coverage for your injury. For specific eligibility and instruction information refer to the CJSA Insurance webpage. Here are some highlights of the coverage:
- Individuals must be registered with CJSA to be covered. (players, coaches, assistant coaches, managers & volunteers registered in Hartwell fall or spring travel/rec season programs are ultimately registered with CJSA).
- The medical insurance is excess coverage - it kicks in after the individual's primary coverage has paid - so claims must be submitted to the individual's primary coverage before the CJSA policy can step in.
THIS INFORMATION IS FOR SEPT. 1, 2020 THROUGH SEPT. 1, 2021
Vist CJSA.ORG for current insurance policy and eligibility information.
See below for coverage outline from K&K Insurance Group, Inc.
Youth Soccer General Liability Benefits
Accidental Medical Expense Benefits
YOUTH SOCCER GENERAL LIABILITY BENEFITS
Explanation of Coverage
Term of Insurance: September 1, 2019 to September 1, 2020
Who is Covered?
Connecticut Junior Soccer Association, its affiliated associations, leagues, clubs and all officers, directors, coaches, employees, teams, team officials, and volunteers while acting on behalf of Connecticut Junior Soccer Association at a covered activity.
Limits of Liability
- General Aggregate $5,000,000 per Event
- Products/Completed Operations Aggregate $1,000,000
- Personal and Advertising Injury $1,000,000
- Each Occurrence $1,000,000
- Participant Legal Liability Each Occurrence (other than brain injury) $1,000,000
- Participant Legal Liability Aggregate (other than brain injury) $5,000,000 per Event
- Participant Legal Liability Brain Injury Each Occurrence $2,000,000
- Participant Legal Liability Brain Injury Aggregate $5,000,000
- Damage to Premises Rented to You Limit $300,000
- Medical Expense (Spectators Only) $5,000
- Sexual Abuse Each Occurrence $1,000,000
- Sexual Abuse Aggregate $2,000,000
- Non-Owned / Hired Auto Liability $1,000,000
- Excess Liability $5,000,000 subject to policy exclusions
What is Covered?
- Liability for bodily injury or property damage to spectators, game participants, and to members of the general public for activities sanctioned by Connecticut Junior Soccer Association.
- Liability for outdoor fields owned by affiliates for its sole use while acting on behalf as a member of the state association.
- Fundraising, meetings, awards banquets.
- Activities necessary or incidental to the conduct of practice, exhibition, post season and scheduled games.
- Liability for false arrest, detention or malicious prosecution, libel, slander, defamation of character, or wrongful eviction.
- Hired and non-owned auto, while being used in the business of the named insured. Excludes coverage for any driver transporting athletic participants.
- Products liability for food or drinks sold on premises.
- Medical Payments $5,000 (non-participants).
- Host Liquor liability for banquets and meetings.
Worldwide for bodily injury, property damage, and personal and advertising injury while temporarily outside of the United States providing suit is made within the United States.
Notable General Liability Exclusions
- Standard commercial general liability exclusions apply.
- Property of others in the care, custody and control of the insured such as personal property of players, coaches, or parents.
- Liability to pay Worker's Compensation.
- Intentional acts.
- Amusement devices other than inflatables and dunk tanks.
Certificates of insurance are furnished to each association identifying them as members of the state organization. Certificates of insurance will be issued upon request adding the name of a school district, university, private land owner, municipality, or sponsor. All other requests are subject to underwriting approval.
ACCIDENT MEDICAL EXPENSE BENEFITS & ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS
Explanation of Coverage
Term of Insurance: September 1, 2020 to September 1, 2021
Who is Covered?
Insured persons include all registered team members, those players participating in approved try-outs, coaches, managers, referees, officials, and volunteers of the teams, leagues or of the association.
Insured persons are covered for injuries resulting directly and independently of all other causes from accidents occurring while participating in the following covered activities:
- Scheduled games, team practice sessions, tryouts or sponsored activities provided they are under the direct supervision of a team official; or sanctioned local or national tournaments as a member of a contestant team.
- Organized and supervised group travel as authorized by the Policyholder directly to and from a covered event.
What Is Not Covered?
The plan does not provide coverage for:
- intentionally self-inflicted injury
- air travel except as a fare-paying passenger on a regularly scheduled airline on a scheduled flight
- injuries resulting from other than covered activities
- loss resulting from sickness or disease, except bacterial infection which occurs through an accidental wound
Accident Medical Policy Limits
For reasonable necessary medical expenses, our youth accident medical policy pays up to $100,000 for injuries sustained in a covered accident. Dental injuries are treated like any other injury. Payment will not be made for any expenses incurred after 104 weeks from the date of injury. An expense is considered incurred on the date the medical care is rendered. A $250 Deductible applies to each covered accident. A Physical Therapy/Chiropractic limit of $50 per visit/$2,000 maximum per injury also applies.
Connecticut Junior Soccer Association excess accident medical insurance policy is secondary insurance. Failure to follow the rules of your primary healthcare coverage will result in a benefit reduction of eligible expenses to 50% of the amount otherwise payable.
"Injury" means bodily injury of an Insured Person resulting directly and independently of all other causes from an accident which occurs while he or she is participating in a covered activity. Sickness or disease (except pus forming infections which occur through an accidental cut or wound) of any kind will not be considered as bodily injury.
Reasonable Expenses means usual and customary charges.
Accidental Death and Dismemberment Benefits
The plan pays:
- $5,000 for loss of life or loss of two or more members, which results from injuries sustained in an accident which occurred while participating in a covered activity.
- $2,500 for loss of one member (hand, foot or eye), which results from injuries sustained in an accident which occurred while participating in a covered activity.
- Such payment shall be in addition to any other indemnity payable to the date of loss, but only one amount, the larger amount applicable shall be payable for all such losses resulting from any one accident.
- "LOSS" shall mean, with respect to hands and feet, physical separation through or above the wrist or ankle joint; with respect to the eyes, entire and irrecoverable loss of sight.
The participant accident medical expense insurance is provided on an "excess" basis. This means that after the insured player or coach has been reimbursed for medical expenses by other insurance programs, and after the deductible has been satisfied, the Youth Soccer Accident Medical Expense plan will pay up to the maximum Medical Expense benefit for remaining treatment, service and supply expenses. These other programs include group, blanket or franchise health insurance coverage, group hospital or medical service plans, and prepayment coverage; any coverage under labor-management trustee plans, union welfare plans, employer organization plans, and coverage under any governmental programs, coverage required or provided by any statute, and automobile reparations insurance (no-fault) coverage.
For AD&D and Accident Medical Expense Claims, claim forms are available through your State Association, League or Club Offices. Detailed Accident Medical Expense claim instructions can be found on each claim form. In the event of injury requiring medical treatment, you should:
- Fully complete a claim form verified by a witness and submit it to your State Soccer Association for verification.
- Notice of claims must be filed within 90 days from the date of injury or as soon thereafter as is reasonably possible.
Youth Soccer Accident Medical coverage is provided on an "excess" basis. Therefore, charges must first be submitted to any other medical insurance carrier available to the participant.