All registered officials are covered for injuries occurring during a WIAA member High School or Junior High contest through the Washington State Department of Labor and Industries. If an Association or Board elects to do so and pays the appropriate fee, coverage can be extended to recreational sports. There is a three day waiting period for time-loss. This is an occurrence policy which means that a covered claim must be reported during the coverage period.
Coverage includes defense costs and is excess of any other valid and collectible insurance.
Coverage includes a 52 week incurral period. Coverage extends to include travel to and from a covered activity. Coverage is subject to a 14 day deductible period. The amount payable is based on a weekly average of games officiated. Coverage is provided on a claims made basis.