Insurance Information for the NISOA Member
Published on February 16, 2017
Revised: August 27, 2019









General Aggregate Liability    $ 5,000,000
General Liability    $ 2,000,000
Participant Legal Liability    $ 2,000,000
Products/Comp. Ops. Agg. Limit    $ 2,000,000
Personal & Advertising Injury    $ 2,000,000
Fire Legal Liability    $ 300,000
Medical Payments to Spectators    $ 5,000
Deductible    $ -0-



Each Claim    $ 1,000,000
Annual Aggregate    $ 2,000,000
Deductible    $ 2,500
How do I file a claim?
Sandy McDowell
Relation Insurance Services
9225 Indian Creek Parkway,  Ste. 700
Overland Park, KS    66210
913-754-5605 direct line









Answer: Contact Sandy McDowell at 913-754-5605.


Question: I am a NASO member. They provide insurance which is equivalent to NISOA’s insurance, right?

Answer:  You should know the advantages NISOA insurance provides in comparison to NASO coverage;

Individual coverage: While both policies have identical general liability limits for each occurrence (or claim) at $1 Million; NISOA’s insurance has a $5 Million limit when it comes to General Aggregate Limit; whereas NASO has a General Aggregate Limit of $5 Million.

Simple terms: Once the multiple claims (no more than $1 Million per claim) hit a total of $5 Million for NASO, the official will need to come out of pocket for the additional amount. Remember, NASO insures officials of all sports and all levels. Are you willing to risk not being fully covered because of claims placed by football or lacrosse officials? NISOA has a $5 Million aggregate limit focused only on NISOA related events so no matter the total dollar amount of the multiple claims (No more than $1Million per claim), our insurance plan will cover that amount. This is an extremely rare coverage in the current liability insurance marketplace.

Assignor Insurance: NISOA insurance for assignor liability coverage is far superior than NASO.  NISOA has a $1 Million coverage for each claim with an aggregate of $5 Million.   NASO has a $50K annual aggregate per official for the assignor.
Simple terms: If a claim is filed against an official and the assignor is included in the claim (which is highly likely since it’s common to include all parties involved with an official), Under NASO insurance, once that amount reaches $50K per official, the Assignor will be required to pay out of pocket for the remainder of the expenses. Under the NISOA insurance, the assignor is covered for up to $1 Million for each claim and up to $5 Million total before they have to pay out of pocket.

Unless the liability claims are under $50K each (Which is HIGHLY UNLIKELY); then our assignor liability insurance is FAR SUPERIOR when compared NASO coverage because we offer $1Million per claim up to $5 Million cap. When medical bills and lawyers are involved, expenses will easily surpass $50K per claim.


Question: What does General Aggregate mean?
Answer:  Under the Limits of General Liability, General Aggregate Liability states $5 Million.   The General Aggregate Limit – The maximum amount the insurer will pay during the policy period for all damages including bodily injury, property damage, personal and advertising injury.  Each incident/lawsuit will pay $1,000,000 and we could have 4, 6 or 8 awards for a million each. Under the Professional Liability/Errors & Omissions, there is a cap of $1,000,000. Meaning if there are 2 lawsuits and each is awarded $500,000 or less, all is well, but it is conceivable for a single claim to exceed the million aggregate limit in today’s society.
