Important Note Regarding Insurance

[kdsmith27 14]

Coaches,

FYI, Our insurance coverage with KHSAA is getting more limited each and every year. Post season wrestling is not covered by KHSAA Insurance.  USA Wrestling is the most conveinant and affordable secondary insurance. Our Middle School and Elementary programs may be at the biggest risk.

For the 2008-2009 school year, the Kentucky High School Athletic Association will again maintain, at no additional cost to the member schools, catastrophic insurance coverage for all participants in interscholastic athletics while traveling to or from, practicing for, or participating in, an athletic contest sanctioned by the KHSAA.

Read More Below:

From: Julian Tackett [mailto:jtackett@khsaa.org]

Sent: Thursday, May 29, 2008 9:36 AM

To: Dennison, Bill

Subject: Important Note Regarding Insurance

The following article was in the most recent issue of the Commissioner's Notes, but we have been asked to share this with each of you for emphasis. Thanks for your support and best of luck wrapping up another great school year.

INSURANCE CLARIFICATIONS

As part of its May, 2008 Board of Control agenda, the Board reviewed its Catastrophic and other insurance coverage for the 2008-2009 school year. In April, the Board of Control confirmed its decision of 2006 to eliminate the exposure of covering sports over which the KHSAA does not have control through a sanctioned championship. The Board also reviewed its options with respect to the coverage for preseason activity in football in light of the membership decision in September, 2007 to revise the provisions of Bylaw 25, Limitation of Seasons, and eliminate the non-contact period. After discussion and action, the following activities fall within the parameters desired by the Board and therefore, are covered by the KHSAA Catastrophic Insurance plan.

For the 2008-2009 school year, the Kentucky High School Athletic Association will again maintain, at no additional cost to the member schools, catastrophic insurance coverage for all participants in interscholastic athletics while traveling to or from, practicing for, or participating in, an athletic contest sanctioned by the KHSAA.

The policy is carried through Mutual of Omaha and is administered by a Kentucky based broker. The policy is only in effect during the defined Limitation of Seasons (Bylaw 25) and only during permissible activity. The policy carries a $25,000 deductible for regular season contests, and is considered "excess" insurance, which does not take force until all other existing sources of insurance by the participants' family and school have been exhausted. The policy has a medical maximum payout of $5,000,000 with a 10-year benefit period.

For 2008-2009, this coverage to cover -