Officiating activities include assigning, working chain crew, and attending or operating officiating camps, clinics, or meetings. Coverage will not be provided for losses that result from or are associated with the officiating or duties related to the management of any professional sport or activity. In order for coverage to apply, each official must be a registered official with a member state association or affiliate association of the NFHS, if that association registers officials. 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.