Please read this information and bookmark this site. USA Hockey provides the following described coverages for itself and its members. The following descriptions are not complete and are not contracts of insurance: rather, they are summary statements of the coverages provided to USA Hockey members. Complete provisions pertaining to the coverages are on file with USA Hockey, and if any provisions differ from this summary, the actual coverage provisions will govern. All coverages are determined by terms, conditions and exclusions, and are subject to change without notice.
WHO IS COVERED?
An officially registered player, referee or coach while participating in an approved/sanctioned activity. The coverage also extends to volunteers of USA Hockey while acting within the scope of their direct responsibilities on behalf of USA Hockey.
WHAT IS AN APPROVED/SANCTIONED ACTIVITY?
A competition, game or event which is approved/sanctioned by USA Hockey and includes pre-competition activities and practice sessions which are authorized/sanctioned, and supervised by the coach, or an adult designated by the coach, to supervise and coordinate such activities. Approved/Sanctioned games or exhibitions must be between USA Hockey registered teams unless prior authorization is obtained. For more information, contact your District Risk Manager.
The coverage is provided while participating as a member of a USA Hockey registered ice hockey team during a USA Hockey approved/sanctioned game, official tournament game or practice session during the season. If a registered member’s team has a scheduled approved/sanctioned game or official tournament game, then the member is covered while traveling with the team directly to and from such activity. Travel to and from practice sessions is excluded.
COVERAGES
ACCIDENTAL EXCESS MEDICAL EXPENSE — Covered Medical and Dental expenses are payable, secondary to any valid and collectible insurance the registered member has in force at the time of the accident. The member must meet a $1,000 out-of-pocket expense obligation, per accident, before this coverage begins. If the registered member has no valid and collectible insurance in force at the time of the accident, a deductible of $3,500 per accident will apply.
The company will pay up to a maximum of $50,000 of usual and customary costs for covered medical expenses incurred within two years (104 weeks) from the covered accident date and submitted within 15 months from the date of the accident, for necessary medical treatment required as a result of an accidental bodily injury. The first covered expenses must be incurred within 30 days of the accidental bodily injury. There are limited dental and physical therapy benefits.
MAJOR EXCLUSIONS (include but are not limited to):
As with any coverage, there are other specific exclusions and limitations. For more information contact your District Risk Manager.
DESCRIPTION OF COVERAGE
The Catastrophic Injury coverage will pay benefits up to $2,000,000 to an eligible, insured person, subject to a $50,000 deductible for losses due to a catastrophic injury and in excess of other valid and collectible insurance in force at the time of the injury.
As with any policy, there are exclusions and limitations specific to this coverage that appear in the master policy. For more information contact Janean Harter at K&K Insurance Company – (800) 237-2917, ext. 5623.
WHAT IS A CATASTROPHIC INJURY?
An injury sustained by an insured person during participation in an approved/sanctioned event, including:
BASIC PROGRAM
Provides broad legal liability protection for USA Hockey and USA Hockey affiliated organizations, their officers, directors, coaches, managers, officials, players, sponsors and volunteers against lawsuits arising due to accidental bodily injury that results from a claim of negligence being brought against them while acting within the scope of their responsibilities on behalf of USA Hockey and participating in an approved/sanctioned activity.
The policy is written on an occurrence form with a limit of $1,000,000 per occurrence and with a general aggregate limit of $5,000,000.
All approved/sanctioned activities necessary or incidental to the conduct of practice, exhibition, post season and scheduled games including, but not limited to, fundraising, meetings and award banquets are covered by this basic legal liability policy. An approved/sanctioned exhibition, post season or scheduled game must be between USA Hockey approved/sanctioned teams unless prior authorization is obtained. For more information contact your District Risk Manager.
Major exclusions include (but are not limited to):
As with any policy, there are other exclusions and limitations specific to this coverage that appear in the master policy. For more information contact your District Risk Manager.