Liability Insurance (eCertsOnline)
Accident Insurance
Safety Information

YOUTH SOCCER INSURANCE OVERVIEW & FREQUENTLY ASKED QUESTIONS

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, leagues, clubs and volunteers against 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, A.M. Best Rated "A+"
General Aggregate Limit: $3,000,000 (per event)
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

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

Carrier: Philadelphia Insurance Company, A.M. Best Rated "A+"
Excess Liability Per Occurrence and Aggregate Limit: $4,000,000

Directors & Officers Liability - Insures Cal South Directors and Officers and all Member Leagues and Clubs for claims made against the organization(s) for wrongful acts.

Carrier: Philadelphia Insurance Company, A.M. Best Rated "A+"
Per Occurrence and Aggregate Limit: $3,000,000

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

Carrier: Starr Indemnity Insurance Company
TPA: The Loomis Company
Maximum Per Injury Medical Limit: $10,000 Physical Therapy Limit: $1,000
Maximum Benefit Period: 52 Weeks
Deductible Per Injury: $500 where Primary Insurance exists and $1,000 where Primary Insurance does not exist.

We want to rent a bounce house for our Opening Day ceremonies. Are we covered under Cal South's General Liability?

No. Cal South's General Liability excludes bounce houses and other inflatable amusement devices. In order to procure coverage, a separate policy must be obtained for the event. Contact Jennifer.Parker@willis.com with a completed application in order to obtain a quote for General Liability covering the event with the bounce house. The application can be found by clicking on this link.

What is the process for filing an SAI claim?

The process begins by completing the "Insurance Claim Questionnaire." That form can be accessed through the CalSouth.com website under Accident Insurance by clicking on this link. Once the form is received in the Cal South office and verification of participant involvement is confirmed, a Notification of Injury packet will be mailed to the member. A valid Social Security Number 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 and notice to the insurance carrier must be within 90 days of a covered accident. Excess benefits are paid after the $500 or $1,000 deductible is satisfied, as applicable, and excess of any amounts paid by another Health Care Plan. Co pays will count toward the deductible.

The SAI policy is considered "excess". What if I have no primary health insurance?

If you have no valid and collectible health insurance, our coverage will become primary, but the $1,000 deductible will apply in lieu of the $500 deductible where primary coverage is in place. 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 $500 deductible or $1,000 deductible.

How does my primary insurance coordinate with Cal South's Excess Insurance?

Our policy provides partial relief for those participants with primary health insurance. For example, if medical bills from a covered injury total $6,000 and your policy pays $4,000, our policy will pay the difference between the out-of-pocket expense of $2,000 and the policy deductible where primary insurance was available of $500. No payments will be made until the $500 deductible is satisfied.

If our league has an office and/or an owned auto, will the Cal South general 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.

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?

First, go to CalSouth.com. Under the Resources drop-down menu, select "Insurance" and then "Liability". View the online tutorial. For further assistance, contact Victor Villanueva at the Cal South office at 714.451.1515 | Hours: Monday through Friday, 9AM to 5:30PM | vvillanueva@calsouth.com

What if the entity requesting the certificate of insurance will not accept the new standard form produced via the online system?

Contact Jorge Sotelo at Cal South:

714.451.1523 | Hours: Monday through Friday, 9AM to 5:30PM | jsotelo@calsouth.com