Insurance
NJ Youth Soccer insurance covers registered members with Accidental Medical, General & Excess Liability, and Directors and Officers Liability Insurance policies. Members of NJ Youth Soccer will be covered while participating in sanctioned soccer activities (e.g. practice, games, and tournaments).
Submit a Claim
To submit an Accident Claim, please see the information below.
- Complete 2024-2025 Accident Claim Form (Valid for accidents September 1, 2024 through August 31, 2025).
- Submit the Claim to insurance@njyouthsoccer.com.
- Claims are reviewed by NJYS and you may be contacted with additional questions.
Note: The deductible for NJYS Accident Medical is $1000.00 per claim. See other limits that apply.
Certificates of Insurance
NJYS issues Certificates of Insurance (COI) for Liability listing additional insureds for soccer fields used by our member clubs. At the beginning of the seasonal year, we will issue updated certificates for all additional insured that are currently on file. COI’s will be issued to those clubs that have (1) submitted the NJYS Annual Affiliation Form for the new Seasonal Year and (2) are in good standing with New Jersey Youth Soccer (e.g., all fees are paid up to date). Clubs may request COIs for new venues on an as needed basis.
Please email completed forms to insurance@njyouthsoccer.com.
Coverages & Limits
ACCIDENT MEDICAL
NJ Youth Soccer Accident Medical Insurance is a full excess / secondary coverage. Benefits for Accident Medical Expense will be paid only for such expense(s) which are not recoverable from any other insurance policy, service contract, or workers’ compensation contract. The plan is underwritten by United States Fire Insurance Company and brokered by USI Insurance Services.
- Deductible: $1,000 deductible per covered accident for the 9/1/24 – 8/31/25 policy year.
Maximum Benefits:
- Excess Accident Medical: $100,000 per Injury
- Dental Expense: $50,000 per Injury*
- Physical Therapy / Chiropractic:
- Prescription Drug Expense: $1,000 per Injury*
- Durable Medical Equipment: $1,000 per Injury*
- Accidental Death & Specific Loss: $5,000
*Subject to Accident Medical Expense Deductible and Benefit Maximum.
GENERAL & EXCESS LIABILITY
NJ Youth Soccer General and Excess Liability Coverage provides protection for claims arising from incidents occurring during a sanctioned event that is under the direct supervision of a team or club official. Coverage may be extended to registered players, registered coaches, administrators of registered clubs and leagues, and NJ Youth Soccer.
Limits:
- $1,000,000 per occurrence
- $5,000,000 general aggregate
- $1,000,000 products/completed operations aggregate limit
- $1,000,000 personal & advertising injury limit
- $300,000 damage to premises rented
- $5,000,000 Excess Liability.
- Sexual Abuse and Molestation Coverage:
- $2,000,000 per occurrence
- $4,000,000 annual aggregate
- G.L. “Neurodegenerative Injury”:
- $1,000,000 per occurence
- $1,000,000 policy aggregate
- $1,000,000 Claim Expense Cap
Notable Exclusions (Non-Exhaustive)
- Participation in a non-sanctioned event.
- Referee Instructional Courses
- Private Camps
- Communicable Diseases
- Transportation of members or volunteers.
- Worker’s Compensation Claims
- Nuclear Energy Claims
- Act of War or Undeclared War
- Terrorist Acts
DIRECTORS & OFFICERS
NJ Youth Soccer and its affiliate member clubs, leagues, and associations, including any individual who has been, now is or shall become a director, officer, governor, trustee, equivalent executive, employee (whether salaried or not), volunteer, leased or temporary employee, or committee member may be provided protection for claims. The plan is underwritten by Everest National Insurance Company and brokered by USI Insurance Services.
- Deductible: $5,000 deductible
Coverages:
- Written demand for any insured for monetary damages as a result of wrongful acts
- Employment Practices Liability:
- Wrongful Termination
- Sexual Harassment
- Discrimination
- Breach of Employment Contract
- Personal & Advertising Injury
- Punitive damages
- Third-party discrimination
Notable Exclusions (Non-Exhaustive)
- Bodily Injury
- Property Damage
- Class Action Lawsuits
- Sexual Abuse
- Peer Review
- Professional Services
- Breach of Contract
- Neurodegenerative injuries
This is a general outline of our coverages. For specific information, please contact the NJYS office (insurance@njyouthsoccer.com).