Reprinted with permission

Falcons are not responsible for any errors in this reprint.

GENERAL LIABILITY COVERAGE

Liability Coverage
(All Registered Participants)
General liability coverage provides comprehensive general liability
insurance with a $1,000,000 limit of coverage, per occurrence, with no
aggregate limit. This coverage protects USA Hockey and its registered
members against claims of negligence during a USA Hockey - sanctioned event. (Policy exclusions apply to this coverage; for additional information contact your District Risk Manager.)

Basic Liability Program
Provides broad legal liability protection and defenses for USA Hockey and USA Hockey-affiliated organizations and their officers, directors, coaches, managers, officials, players, sponsors and volunteers against lawsuits arising out of an accidental bodily injury that results in a liability claim being brought against any (or all) of them while they were acting within the scope of their responsibilities on behalf of USA Hockey.
The policy, which is purchased by USA Hockey, is written on an
"occurrence" form, with a policy limit of $1,000,000 per occurrence and
without an annual aggregate limit. All activities, necessary or incidental, for a registered team to the conduct its practice, exhibitions, scrimmages, scheduled games and post season play including, but not limited to, fundraising, meetings and award banquets are covered by this general liability policy (see sanctioned events).

Major Coverages Provided By This Policy Include:
· Bodily Injury and Property Damage Liability protection against allegations of negligence resulting in bodily injury to another or damage to the property of others
· Personal Injury Liability - legal liability to protect against claims for
libel, slander, defamation of character wrongful eviction, invasion of
privacy and similar allegations.
· Contractional Liability for protection of various contracts and
agreements under which the liability of another entity is assumed or
transferred to the lesse (team or Association) (see contract clause)
· Independent Contractor Liability for protection against claims of
liability arising out of operations performed by others under contract
with USA Hockey or its affiliated groups.
· Premises Medical Payments coverage provides medical benefit
payments to members of the public who are injured arising out of a
covered activity.
· Participant Legal Liability provides coverage (subject to policy
exclusions) for claims brought by other participants in a hockey game against other registered member(s). Not: The policy specifically excludes assault & battery/fighting claims (i.e., player versus player).

Major Exclusions Include (but are not limited to):
· Immediate medical payments to participants who are injured while
participating in a covered event.
· Assault and battery/fighting (i.e., player versus player).
· Player versus player actions and lawsuits.
· Intentional acts or criminal allegations.
· Sales of liquor and alcoholic beverages.
· Liability arising out of the use of owned, non-owned, hired or rented
vehicle of any type.
· Professional medical malpractice claims.
· Damage to the property of others while in the care, custody and
control of an insured (i.e.: personal property of players, coaches,
officials, etc.).

DIRECTORY OF RINK MANAGERS
Risk Management Chairperson
Rich Butera
Midland Insurance Agency
1 South 121 S. Summit
Oak Brook Terrace, IL 60181
W - (630) 627-4400
Fax - (630) 627-3020

Atlantic District
Delaware, Eastern Pennsylvania, New Jersey
Kenneth Haas
168 Sunset View Drive
Doylestown, PA 18901-2760
H - (215) 230-8239
Fax - (215) 230-3707
khaas77@comcast.net

Central District
Illinois, Iowa, Kansas, Missouri, Nebraska, Wisconsin
Rich Butera
Midland Insurance Agency
1 South 121 S. Summit
Oak Brook Terrace, IL 60181
W - (630) 627-4400
Fax - (630) 627-3020

Massachusetts District
Dave Hoffman
16 Dean Road
Wellesley Hills, MA 02481-1506
H - (781) 237-3954
Fax - (781) 237-3954
dave_hoffman@msn.com

Michigan District
Grant Helms
5007 Washington Street
Midland, MI 48642-3362
H - (989) 631-4507
W - (989) 631-1772
Fax - (989) 631-8411
riskmgr@chartermi.net

Mid-American District
Indiana, Kentucky, Ohio, Western Pennsylvania, West Virginia
Murray Stall
7885 Wainwright Lane
Maineville, OH 45039-8801
W: (513) 576-3262
H: (513) 398-5227
mskulliii@aol.com

Minnkota District
Minnesota, North Dakota, South Dakota
Bruce Kruger
18070 39th Place North
Plymouth, MN 55446-1333
H - (763) 478-4671
Fax - (763) 478-4671
kruger444@hotmail.com

New England District
Connecticut, Maine, New Hampshire, Rhode Island, Vermont
Charlie Fortier
2 Pheasant Run Road
Londonderry, NH 03053-2811
H - (603) 434-2633
Fax - (603) 434-0173
risk.manager@prodigy.net

New York District
Tony Ciavaglia
5813 Main Street
Williamsville, NY 14221-5733
H - (716) 689-7267
W - (716) 634-5172
Fax - (716) 633-7950
tony@bronkieagency.com

Pacific District
Alaska, California, Hawaii, Nevada, Oregon, Washington
John Bjeldanes
1252 Muirlands Vista Way
La Jolla, CA 92037-6211
H - (858) 459-1178
W - (858) 454-5961
Fax - (858) 551-9968
johnbjeldanes@msn.com

Rocky Mountain District
Arizona, Colorado, Idaho, Montana, New Mexico, Oklahoma, Texas,
Utah, Wyoming
Kelly Grover
1188 Lampton Road
South Jordon, UT 84095-9216
H - (801) 254-8824
W - (801) 565-9200
Fax - (801) 565-9201
scorekeep@aol.com

Southeastern District
Alabama, Arkansas, District of Columbia, Florida, Georgia, Louisiana,
Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia
Donald (Skip) Williams
2421 Piney Grove Church Road
Knoxville, TN 37921-3765
H - (865) 470-8756
W- (865) 357-7547
Fax - (865) 670-1945
fxn2plyhky@aol.com

CLAIMS REPORTING
In the event of an actual injury, or an incident involving a possible injury, the following procedures should be used to report these injuries to the proper claims personnel. All excess medical claims need to be made to the AIG Claim Center, and the Excess Accident Medical claim Form, and any bills, statements should not be sent the District Risk Manager or Associate Risk Manager. The Incident Report, which is not a part of the Claim Report form, should be sent to the Risk Manager.

PLAYER & COACH EXCESS CLAIMS
Participant Accident (Excess Medical) Claims
All claim reports should be made to the injured person's primary personal or group health insurance company first, for determination of possible benefits. Only after the injured person has reported the injury to their primary provider, may they contact USA Hockey's claims unit (for participant accident/excess medical assistance) at the number shown below:
AIG CLAIM CENTER: Phone (800) 551-0824
CATASTROPHIC INJURY CLAIMS
It is extremely important that anyone knowing of an actual (or a possible) catastrophic injury, to a player or coach, immediately notify the District Risk Manager. The immediate notice helps to ensure a prompt response from USA Hockey and our insurance claims personnel.
The proper claims forms may be obtained by calling the AIG Caim Center, or from the District Risk Manager.
Please Note: Complete listing of District Risk Managers in Risk Managers
Directory Section.

OFFICIALS CLAIMS
Official's Participant Accident (Excess Medical) Claims
All claims reports should be made to the injured official's primary personal or group health insurance company first, for a determination of possible benefits. Only after the injured official has reported the injury to their primary provider, may they notify their District Referee-In-Chief. Unless they notify the District Referee-In-Chief, their claim will not be processed. Telephone numbers for District Referees-in-Chief may be found on the back cover of the current USA Hockey Official Playing Rules.
Please Note: Complete listing of District Referees-in-Chief can be found in District Referees-in Chief Directory

Official's Catastrophic Injury Claims
It is extremely important that anyone knowing of an actual (or possible)
catastrophic injury to an official immediately notify the District Risk
Manager and the District Referee-in-Chief. The immediate notice helps to ensure a prompt response from USA Hockey, and from our insurance claims personnel, to assist the injured person and their family members, as needed.

LIABILITY CLAIMS
If ever anyone advises you that someone other than a registered member of USA Hockey, has an actual or potential claim arising out of an incident or an injury, or arising out of a possible dispute between USA Hockey members, you should notify your District Risk Manager promptly. The District Risk Manager will notify the appropriate member(s) of USA Hockey's National Office Staff, and will conduct any necessary preliminary investigation.
NOTE: All registered members of USA Hockey are required to adhere to the Rules, Regulations and By-Laws of USA Hockey, as amended by the Board of Directors, including the provisions for arbitration as an exclusive remedy for disputes ( BYLAWS ARTICLE 10 RESOLUTIONS OF DISPUTES, ARBITRATION, AND SUSPENSIONS).

LAWSUITS and LEGAL PAPERS
If any member of USA Hockey, its Districts, Affiliates, leagues, teams, or any of its local associations are served with any lawsuit, civil summons, or other legal papers, they must immediately notify the District Risk Manager. Failure to notify USA Hockey immediately may jeopardize the applicable legal times for a response, and could be grounds for the insurance company to deny coverage for the legal action involved. DO NOT TAKE ANY CHANCES, CALL PROMPTLY.

INCIDENT REPORTING
1. Make a copy of the incident report for prompt investigation and review.
2. Determine category for possible coverage of the type of incident/injury.
3. Notify USA Hockey's insurance carrier and/or broker of incident/injury.
4. Forward a copy of incident report to carrier's claims unit and to District
Risk Manager, who forwards to other appropriate agency/persons.
5. District Risk Manager, as necessary, may conduct a follow up
investigation to determine:
a. Complete facts and circumstances of incident or injury;
b. Existence of hardship situations that may be involved; and
c. Potential for recurrence of the incident or injury.
Excess Accident Coverage
Participant Accident (Excess) Coverage
This coverage is provided for registered members participating on all USA Hockey registered ice hockey teams and registered officials. It provides participant medical accident insurance for the covered medical expenses of registered members, on an excess basis, over and above their personal group medical insurance, with no deductible per accident (if there is other valid and collectible insurance in force at the time of the accident). If there is NOT other valid, collectible medical insurance in force at the time of the accident, the deductible becomes $1,000 per accident, before participant accident insurance applies. Medical expenses for physical therapy, braces or prescriptions, and the deductible portion of a primary insurance policy are some of the expenses NOT COVERED by the policy.

To file an accident claim call AIG, at (800) 551-0824.
Participant Accident (Excess) insurance provides coverage on an excess
basis for accidental medical expenses, accidental death and
dismemberment, and/or paralysis resulting from an accidental bodily injury while participating as a member of a team during a USA Hockey-sanctioned game, official tournament game, controlled scrimmage or practice session involving ice hockey. A member is also covered on an excess basis while traveling, as a team, directly to and from a sanctioned game or official tournament in which their team is scheduled to participate. Coverage for travel to and/or from practice sessions is excluded.

INSURANCE BENEFITS FOR ELIGIBLE MEMBERS
ACCIDENTAL (EXCESS) MEDICAL EXPENSE -
The coverage may pay up to a maximum of $25,000 for covered medical expenses incurred for medically-necessary treatment required as a result of an accidental bodily injury. Included is up to a $2,000 dental limit for injury to whole, natural and sound teeth. The first bills for any covered expenses must be incurred within 30 days of the accidental bodily injury.

All Medical and Dental expenses are payable in excess and only after all other valid and collectible insurance in force at the time of the accident has been applied to the claim; this coverage is not subject to a deductible for each covered accident if there is other insurance in force. In the event that there is NOT other valid and collectible insurance in force at the time of the accident, a deductible of $1,000 will be applied before this coverage will respond to the claim. Chiropractic care and treatments is limited to a $1,000 maximum per insured per year.

$10,000 ACCIDENTAL DEATH -
The full benefit is payable the accidental loss of a registered member's life. The loss must occur within one year from the date of the accident.

$25,000 ACCIDENTAL DISMEMBERMENT & LOSS OF SIGHT -
The full benefit is payable for accidental loss of both arms, both legs, sight of both eyes, or any combination thereof. One-half of the benefit amount is payable for accidental loss of one hand, one foot, or the sight of one eye.
"Loss" means, with respect to a hand, complete severance through (or above) the knuckles of at least four fingers on the same hand; and, with respect to a foot, complete severance through or above the ankle joint. Loss must occur within one year from the date of the occurrence of the covered accident.

$25,000 COMA AND PARALYSIS COVERAGE -
The full benefit is payable for accidental bodily injury which results in coma or permanent, irreversible quadriplegia, paraplegia, or hemiplegia. Loss must occur within one year from the date of the covered accident.
"Coma" means a state of completely unconscious existence, with or without life support equipment.
"Quadriplegia" means the total functional paralysis of all four limbs.
"Paraplegia" means total functional paralysis of both limbs from the waist down.
"Hemiplegia" means total functional paralysis of both limbs on one side of the body.
"Limb" means an entire arm, hand and fingers or entire leg, foot and toes.

DEFINITIONS (for the preceding benefits):
Covered Expenses mean those expenses incurred and submitted (within
one year from the date of the accident) for payment of: treatment by a
licensed physician or osteopath, or any of their designated referrals;
admission to a legally constituted hospital; x-rays or adiological exam; or transportation by an emergency vehicle or ambulance.

Accidental Bodily Injury means bodily injury that is accidental; and is the
direct source of the loss; and is independent of any disease, bodily infirmity or other cause.

$3,000 Psychological Therapy (Bereavement Coverage) -
In the event of a covered accidental death of a player, coach or offical, where team
members require psychological therapy, the coverage is payable for the
reasonable cost of such services actually rendered, within one (1) year from the date of the covered accident, subject to a maximum of $200 per player or $3,000 per team.

Psychological Therapy means the expense of treatment or counseling by
a therapist or by a counselor who is licensed, registered or certified (by the appropriate agency) to provide such treatment and/or therapy for medically diagnosed injuries resulting from a covered accident.

EXCLUSIONS FROM COVERAGE:
Coverage excludes losses caused by, or resulting from the following: selfinflicted injuries; suicide, war; illness or infections, travel in any aircraft (except as a fare paying passenger on a commercial aircraft operated by a licensed, regulated carrier); being under the influence of alcohol, illegal drugs or narcotics; hernia(s); and also excludes any pre-existing conditions; In addition, the deductible portion of any primary insurance is not covered, nor eligible for reimbursement by this excess policy.
The following medical and/or dental expenses are NOT COVERED
(excluded): diathermy, light therapy; shortwave or other heat treatment;
repair or replacement of pre-existing dentures, fillings, or crowns;
replacement or repair of eyeglasses, contact lenses or a prescription for
them; prescription drugs; masseur or physiotherapist; braces; and services or treatment given by a physician or any other person who is a member of the insured's immediate family.

NOTE: This summary of coverage is not a contract of insurance, but
simply an informative statement of the principal provisions of the insurance policy. Complete provisions of the policy are contained in the master policy documents, which are purchased and owned by USA Hockey, Inc. For specific details of the policy, please contact the District Risk Manager. You may also contact any of the brokers for policy information.