Insurance Information

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This page contains information and resources for

  1. officials’ insurance;
  2. the required catastrophic insurance and
  3. the voluntary student-athlete accident insurance programs.

Officials' Insurance

Below is information summarizing the NCHSAA’s Officials Excess Accident and Catastrophic Accident Insurance program.  These policies are purchased using a portion of the annual registration fee by officials.

  • Brochures & Forms
  • For insurance claims or coverage questions, please contact the insurance broker for the NCHSAA,  the Marsh & McLennan Agency.

    For questions contact either :

    NCHSAA Officials General Liability program:

    • 12-month policy
    • $1mm limit each occurrence
    • $1mm limit legal liability to participants
    • $5M general aggregate limit, per location
    • Definition of Covered Activities:
      • For the 08/01/2020 - 08/01/2021 policy period – All events or activities of the NCHSAA regional supervisors and registered and eligible officials per sport, provided eligibility requirements are met on an annual basis or before the end of the academic year, relating to the performance of officiating duties at NCHSAA sanctioned events and public Middle School events, including travel to and from NCHSAA sanctioned events and Middle School events.
    • This is a brief summary of the benefits and not a contract.  The Master Policy has been provided to the NCHSAA that contains all of the provisions, limitations, exclusions, and qualifications of your insurance benefits. 
Student-Athlete Catastrophic Insurance

Below is information summarizing the NCHSAA’s Student-Athlete Catastrophic Accident insurance program.  This policy is purchased using the $3.75 fee per student-athlete paid by each high school

Claims or Coverage Questions

Contact the insurance broker for the NCHSAA, Marsh & McLennan Agency, LLC:

Russell James, Consultant at 919-719-9582 or russell.james@marshmma.com
Arlene Nunn, Account Manager at 919-719-9588 or arlene.nunn@marshmma.com

Coverage Highlights

  • 12-month policy
  • Catastrophic Insurance provides coverage from $ 25,000 paid medical expenses up to $5 million
  • Who is covered – All interscholastic High School student-athletes, team managers, trainers, school health professionals, cheerleaders, student participants, coaches and student trainers at Covered Events, and school personnel supervising NCHSAA student services programs at Covered Activities.
    • Covered Activities – Covered Activities means interscholastic competition that is authorized, sanctioned or scheduled by the Policyholder or by the state high school athletics authority, including school supervised practice, game-related activity, and related Travel
      • Travel means team or group travel arranged and supervised by the school to or from any Covered Activity.
  • Insurance includes coverage for fighting injuries to the NON-AGGRESSOR insured.
  • Notable Exclusions
    • A loss will not be a Covered Loss if it is caused by, contributed to, or results from:
      • Suicide or any attempt at suicide or intentionally self-inflicted injury or attempt an intentionally self-inflicted injury.
      • War or any act of war, whether declared or undeclared.
      • Involvement in any type of military service.
      • Illness or disease, regardless of how contracted; medical or surgical treatment of illness or disease; or complications following the surgical treatment of illness or disease.
      • Participation in the commission or attempted commission of any felony, or illegal occupation.
      • Parasailing, bungee jumping, heli-skiing, scuba diving or any other extra-hazardous activity.
      • Being intoxicated which is recognized if the level of alcohol in his/her blood exceeds the amount at which a person is presumed, under the law of the locale in which the accident occurred, to be intoxicated, if operating a motor vehicle
      • Being under the influence of any prescription drug, controlled substance or hallucinogen, unless prescribed by a Physician and taken in accordance with the prescribed dosage.
      • Travel or flight in any aircraft except as a fare-paying passenger on a regularly scheduled charter or commercial flight.
      • Alcoholism, drug addiction or the use of any drug or controlled substance except as prescribed by a licensed medical provider operating within the scope of his/her authority.
      • Any condition for which the Insured is paid benefits under any Workman’s Compensation Act or similar law.
      • The Insured rising in or driving any type of motor vehicle as part of a speed contest or scheduled race, including testing such vehicle on a track, speedway, or proving ground.
  • This coverage is paid in excess of benefits paid by other insurance.  Our accident insurance carrier coordinates the claim adjustment process with any underlying carrier.
  • Report any potential Catastrophic claim to Russell James at Marsh & McLennan (contact info above).
  • REMEMBER, BENEFITS ARE LIMITED AND ARE NOT INTENDED TO PAY 100%.
  • Please see the claim form below if you need to file a claim. 
  • It is the parent’s responsibility to fill out the claim form completely.
  • A claim form must be signed by a school official.
  • The Master Policy has been provided to the NCHSAA that contains all of the provisions, limitations, exclusions, and qualifications of your insurance benefits.  The Master Policy is the contract and will govern and control the payment of benefits. 
Voluntary Student-Athlete Accident Insurance

In NC High School Athletics, decisions about voluntary student-athlete accident coverage from $0 - $25,000 are made by the individual school district/county. The NCHSAA does not purchase coverage for injuries until an accident claim reaches $25,000. Voluntary insurance information is mailed to the district/school from McGriff Insurance Services prior to each school year.

If you have questions about this type of coverage or any information related to Student Accident Insurance, please contact your school/school district, or you may contact representatives of McGriff Insurance Services.

Contact: Dan Nunnery, Agency Executive
Email: DNunnery@McGriff.com | Phone: 800-948-3486