Insurance - Adult Soccer

ADULT SOCCER INSURANCE OVERVIEW

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 HRH'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: AXIS Insurance Company, A.M. Best Rated "A"
General Aggregate Limit: $2,000,000 (per club)
Products -Completed Operations Aggregate: $2,000,000
Personal and Advertising Injury Limit: $1,000,000
Per Occurrence Limit $1,000,000
Fire Legal Liability $500,000
Participant Legal Liability Included

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

Excess Liability Per Occurrence and Aggregate Limit* $4,000,000
Directors & Officers (D&O) Liability - Insures Cal South Directors and Officers and all Member Leagues Directors and Officers 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 requested for the SA claim process to begin.

Carrier: Aegis Security Insurance Company, A.M. Best Rated "A"
TPA: American Specialty
Maximum Per Injury Medical Limit: $10,000
Maximum Benefit Period: 52 Weeks
Deductible Per Injury: $500

FAQ (Frequently Asked Questions)

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 requested for the SA claim process to begin.

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 deductible is satisfied 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. 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.

How does my primary insurance coordinate with Cal South's Excess Insurance?
Our policy provides partial deductible relief for those participants with primary health insurance. For example, if medical bills from a covered injury total $6,000 and your policy pays $5,000, our policy will pay the difference between the out-of-pocket expense of $1000 and our policy deductible you must pay 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 www.calsouth.com . Under the Resources drop-down menu, select "Insurance - Youth Soccer" or "Insurance - Adult Soccer" and then click on the "Liability Insurance" link on that page. View the online tutorial. For further assistance, contact Lisa Wolfs at the Cal South office at 714.451.1520 (9 am - 5 pm PST) or by email at lwolfs@calsouth.com .

What if the entity requesting the certificate of insurance will not accept the new standard form produced via the online system?
Contact Lisa Wolfs at Cal South:

Lisa Wolfs, Cal South Insurance Administrator
phone 714.451.1520 (9 am - 5 pm PST)
lwolfs@calsouth.com