Coverage is not limited to high school activities only. It can also apply to youth or recreational leagues, but the sport must be recognized for high school participation by the state high school association. Coverage includes defense costs and is excess of any other valid and collectible insurance. No liability coverage is provided for members while driving or riding in any auto. Coverage is excess of any other valid and collectible insurance, and includes a 52-week incurral period.
Coverage extends to include travel directly to and from a covered activity.
They provide for reasonable and customary medical, dental, hospital, and nursing expenses incurred as a result of a covered accident. Coverage extends to include travel to and from a covered activity. Coverage extends to include travel directly to and from a covered activity. Coverage is subject to a 14-day deductible period and is limited to the sport in which the official was injured. For Fee loss coverage to apply, at least one of the participating schools where the official is officiating must be a member of the state association where the activity takes place.