Insurance - Youth Soccer

Liability Insurance (eCertsOnline)
Accident Insurance
Safety Information

 


 

Youth Program Frequently Asked Questions (FAQ)
(effective dates: 9/1/2013 - 8/31/2014)

 

Who is Cal South's Insurance Broker?
Willis is the insurance broker for Cal South. Willis, the North American arm of Willis Group Holdings, acquired our original broker, Hilb Rogal & Hobbs (HRH), in October 2008. Willis is among the top three brokers in 15 of the 20 largest U.S. markets - including holding number one positions in Chicago, Philadelphia, Phoenix and seven other major U.S. markets. All told, the combined company is in 210 locations in North America. Willis’s impressive sports clientele list includes Major League Soccer, USA Cycling, the New York Yankees and countless other MLB and minor league affiliate teams.

What Insurance Policies Do We Carry?

General Liability Insurance - Protects Cal South, its registered leagues, clubs and volunteers against third party claims of negligence resulting in bodily injury or property damage which occur during a Cal South sanctioned event inclusive of practices, games and tournaments.

Carrier: Philadelphia Insurance Company
General Aggregate Limit: $3,000,000 (per team)
Products - Completed Operations Aggregate: $3,000,000
Personal and Advertising Injury Limit: $1,000,000
Per Occurrence Limit $1,000,000
Fire Legal Liability $100,000
Participant Legal Liability Included
Medical Payments – Included for Spectators

 

Excess/Umbrella Liability - Provides additional limits, if necessary, over the General Liability Insurance.

Carrier: Philadelphia Insurance Company
Excess Liability Per Occurrence and Aggregate Limit: $4,000,000

 

Directors & Officers Liability - Insures Cal South Directors and Officers and all Member Leagues for third party claims made against the organization, directors or officers for wrongful acts.

Carrier: Philadelphia Insurance Company
Per Occurrence and Aggregate Limit: $5,000,000 dedicated to Districts and Leagues

Click to download form

 

Soccer Accident Insurance (SAI) - Soccer accident coverage is excess medical insurance coverage which extends to registered players participating in Cal South sanctioned events as well as registered coaches, registered volunteers & members. A valid Social Security Number is Mandatory for any SA claim process to begin.

Carrier: National Union Fire Insurance
Maximum Per Injury Medical Limit: $100,000
Physical Therapy Limit: $100 per day/Max 10 days
Deductible Per Injury: $1,000 & 20% co-insurance

TPA: AIG
Dental Maximum: $10,000
Maximum Benefit Period: 52 Weeks
Treatment Incurral Period: 90 days

 

Soccer Accident Insurance (SAI) for Camps & Clinics - Soccer accident coverage for camps and clinics players is excess medical insurance coverage which extends to visiting players in a sanctioned Cal South soccer camp or clinic. Valid waivers of liability must be on file to verify an injured visiting player's participation. A valid Social Security Number is mandatory for any SA claim process to begin.

Carrier: National Union Fire Insurance
Maximum Per Injury Medical Limit: $100,000
Physical Therapy Limit: $100 per day/Max 10 days
Deductible Per Injury: $1,000 & 20% co-insurance

TPA: AIG
Dental Maximum: $10,000
Maximum Benefit Period: 52 Weeks
Treatment Incurral Period: 90 days

 


 

FREQUENTLY ASKED QUESTIONS

We want to rent a bounce house for our Opening Day ceremonies. Are we covered under Cal South’s General Liability?
Bounce Houses are specifically excluded under Cal South’s General Liability. There are three ways to ensure coverage is in place: 1) Check with your School or Park district to find out if they have a pre-approved vendor list where the vendor’s insurance is already in place 2) Request a certificate of insurance from the bounce house company listing Cal South as additional insured or 3) Procure a separate policy for the event. To obtain a separate policy for the event, the application can be found by clicking on this link. Once the application is completed, submit to Jen.Adams@willis.com in order to obtain a quote for General Liability covering the event with the bounce house. Payment must be received in full prior to the event in order to obtain the coverage.

Our league wants to host a “Casino Night” fundraiser and serve liquor. Are we covered under Cal South’s General Liability?
Liquor is excluded under Cal South’s General Liability and a separate policy must be obtained for the event. The two applications can be found by clicking on this link. Once both of the applications are completed, submit to Jen.Adams@willis.com in order to obtain a quote for General and Liquor Liability covering the event. Payment must be received in full prior to the event in order to obtain the coverage.

What is the process for filing an SAI claim?
The process begins by completing the "Soccer Accident Claim Form." Instructions and the claim form can be accessed through the CalSouth.com website under Accident Insurance
by clicking on this link. Follow the instructions for submitting the claim found by clicking on this link. A valid Social Security Number, Visa, or Green Card is mandatory for the claim process to begin. We recommend you keep a copy of the paperwork you send to the TPA for claim filing.

Is there a time limitation to filing an SAI insurance claim?
Yes - the first incurred expense must be within 90 days of the injury and notice to the insurance carrier must be within 30 days of the first incurred treatment expense. Excess benefits are eligible for reimbursement after the $1,000 deductible and 20% co-insurance is satisfied, as applicable, and excess of any amounts paid by another Health Care Plan. Copays will count toward the deductible.

The SAI policy is considered "excess" insurance. What if I have no primary health insurance?
If you have no valid and collectible health insurance, our coverage will become primary, and the $1,000 deductible and 20% co-insurance will apply. The policy pays for treatment based on usual, reasonable and customary charges for a given treatment in the city or area where treatment is provided once you have satisfied the applicable deductible and coinsurance.

If our league has an office and/or an owned auto, will the Cal South general liability or auto liability program cover me for my premises operations?
No. The scope of coverage for the Cal South general liability policy relates specifically to Cal South sanctioned team field events and related team activities. Offices, office contents, soccer equipment and owned or rented autos are not covered. The scope of our policy is inclusive of soccer field sanctioned activities only.

Why do we need to obtain our general liability certificates of insurance over the internet?
This is a tremendous Member Benefit provided by Cal South to our Member Leagues as part of our insurance program. It places control in the hands of our Member Leagues, who can now issue Field Liability certificates at the push of a button. Membership increasingly has its privileges, and this happens to be one. You can access the eCertsOnline log-on page on the CalSouth.com page called Liability Insurance by clicking on this link. You can also access an ECerts User Manual for quick reference and guidance by clicking on this link. 

Will my league be charged for each certificate?
Yes, for each seasonal year, each certificate will cost $35 and will be incorporated into the monthly league bill. You are not charged for creating multiple copies of the same certificate.

What if I can't figure out how to use the online insurance certificate tool?
The eCerts User Manual may be found by
clicking on this link.For further assistance, contact the Cal South League Account Manager and Field Liability Coordinator, Anthony Morales, at the Cal South office at 714.451.1550 (9:00 a.m. - 5:00 p.m. PT) or email at amorales@calsouth.com.

What if the entity requesting the certificate of insurance will not accept the new standard form produced via the online system?
Contact the Cal South League Account Manager and Field Liability Coordinator, Anthony Morales, at the Cal South office at 714.451.1550 (9:00 a.m. - 5:00 p.m. PT) or email at amorales@calsouth.com.