DESCRIPTION OF INSURANCE COVERAGES FOR MEMBERS

General Liability Insurance

Provides comprehensive general liability insurance with a $1,000,000 limit of coverage, per occurrence, with no annual aggregate limit. This coverage protects USA Hockey and its registered members against claims of negligence during a USA Hockey sanctioned event. Major coverages include: Bodily Injury and Property Damage Liability, Participant Legal Liability, Contractual Liability, Personal Injury Liability, Independent Contractors, and Premises Medical Payments. Policy exclusions apply to this coverage; for additional information please contact Skip Williams, District Risk Manager.

Sports Accident Coverage

This plan is provided for registered members participating on all USA Hockey registered ice hockey teams and registered officials.  It provides participant medical accident insurance for the covered medical expenses of registered members, on an excess basis, over and above their personal or group medical insurance, with no deductible per accident (if there is other valid and collectible insurance in force at the time of the accident).  If there is NOT other valid, collectible medical insurance in force at the time of the accident, the deductible becomes $1,000 per accident, before participant accident insurance applies.  Medical expenses for physical therapy, braces or prescriptions, and the deductible portion of a primary insurance policy, are some of the expenses NOT COVERED by the policy.

Participant Accident (Excess) insurance provides coverage, on an excess basis, for accidental medical expenses, accidental death and dismemberment, and/or paralysis resulting from an accidental bodily injury while participating as a member of a team during a USA Hockey-sanctioned game, official tournament game, controlled scrimmage or practice session involving ice hockey.  A member is also covered on an excess basis while traveling, as a team, directly to and from a sanctioned game or official tournament in which their team is scheduled to participate.  Coverage for travel to and/or from practice sessions is excluded.

Benefits

Accidental Excess Medical Expense - The coverage may pay up to a maximum of $25,000 for covered medical expenses incurred for medically-necessary treatment required as a result of an accidental bodily injury.  Included is up to a $2,000 dental limit for injury to whole, natural and sound teeth.  The first bills for any covered expenses must be incurred within 30 days of the accidental bodily injury.

All medical and dental expenses are payable in excess and only after all other valid and collectible insurance in force at the time of the accident has been applied to the claim; this coverage is not subject to a deductible for each covered accident if there is other insurance in force.  Chiropractic care and treatments are limited to a $1,000 maximum per insured per year. 

Covered expenses means those incurred and submitted (within one year from the date of the covered accident) for payment of:  treatment by a licensed physician or osteopath, or any of their designated referrals; admission to a legally constituted hospital; x-rays or radiological exam; or transportation by an emergency vehicle or ambulance.

Accidental bodily injury means bodily injury that is accidental; and is the direct source of the loss; and is independent of disease, bodily infirmity or other cause.

Please contact Skip Williams, District Risk Manager for additional coverages and exclusions.

Catastrophic Injury Coverage

Provides $3,000,000 insurance for a seriously injured member's medical, dental or rehabilitation expenses which are greater than $25,000 (which is the policy's deductible). An important policy benefit is the provision of case management/assistance services. Losses of this nature should be reported immediately to Skip Williams, District Risk Manager or the Director, Risk Management Services at USA Hockey.