General Liability & Auto FAQ
Questions regarding AYSO's General Liability and Auto policies.
As a registered volunteer, if I deliberately cause injury to another person during an AYSO event or publish materials with intent to do harm, do I have coverage under AYSO's General Liability policy if a lawsuit is filed against me?
There is no coverage for AYSO's volunteers under our General Liability policy for any intentional acts.
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I am a parent who takes sevearl children to and from practices or games. Do I have automobile insurance coverage under AYSO's policy?
No, coverage would fall under your own automobile policy. However, in the event of an accident, all the registered players would be covered under our Soccer Accident Insurance (SAI) policy.
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We are traveling to a tournament and will be renting a 15-passenger van? Do we have coverage under AYSO's automobile policy?
No, you will not have coverage. AYSO recommends you purchase the insurance coverage offered by the rental company regardless of the vehicle chosen. AYSO also strongly recommends not renting 15-passenger vans as the risk of accident with these vans is significantly higher than a private passenger auto.
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I am traveling to another region to do training and will be renting a car. Will I have coverage under AYSO's automobile policy?
No, you will not have coverage and we recommend that you pick up any additional insurance the rental company offers.
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While attending an AYSO Event a strong gust of wind uplifts an AYSO tent and throws it into the parking lot damaging my vehicle. Will AYSO pay for the damages?
As the owner of the vehicle owner you must file the claim through your own insurance company to immediately rectify the damage or drivability to the car. Wind, rain, and other natural occurrences are considered by insurance companies to be “Acts of God.” These types of occurrences are not “at fault” coverage's where a company is negligent or legally liable.
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Our region wants to sell fireworks as a fundraiser this year. Do we have coverage under AYOS's General Liability policy?
No! AYSO's General Liability specifically excludes the selling of fireworks. If your region is determined to sell fireworks, the firework provider (owner) will need to issue a certificate of insurance to AYSO, listing AYSO as additional insured, and this insurance certificate must meet minimum AYSO standards. It is imperative you contact the National Office at 800-872-2976 for more information.
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Our region wants to offer a bounce house or an amusement ride at our opening date ceremonies and need to know if we have coverage under AYSO's General Liability policy?
No! AYSO's General Liability policy specifically excludes bounce houses, amusement rides and various other non-soccer related activities. For a more detailed list of excluded items, contact the National Office at 800-872-2976.
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My region would like to participate in a parade with registered players and volunteers riding on a trailer or walking beside the vehicle. Do we have coverage under AYSO's General Liability policy?
No, this would be considered an uncovered off-field activity. The AYSO policy would exclude liability and auto coverage for this type of event. Auto coverage would fall to the insurance policy of the driver of the vehicle. However, our Soccer Accident Insurance (SAI) policy would be available to registered players or volunteers.
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We have soccer teams celebrating the end of their season at local restaurants and various amusement park locations. Is there coverage under AYSO's General Liability policy?
No, this would be considered an uncovered off-field activity. Coverage would only be provided through the Soccer Accident Insurance (SAI) policy. There is no coverage under the AYSO General Liability policy. For a more detailed list of excluded items, contact the National Office at 800-872-2976.
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My child is on an AYSO team and during a game was involved in a fight with another player who was injured. Do we have coverage under AYSO's General Liability policy if the other parents file a lawsuit?
There would be no coverage under AYSO's General Liability policy for that type of lawsuit. Our policy specifically excludes player versus player lawsuits.
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Why does AYSO not provide liability coverage for lawsuits arising out of player versus player situations?
Because injuries arising out of playing the sport of soccer or other activities associated with soccer such as practices, games, pre- and post- game activities, related non-athletic activities are considered part of the sport and excluded from our General Liability coverage. AYSO and its insurance carrier insures for activities related to its operations, not private incidents between two players or volunteers.
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I am a registered volunteer and was involved in an altercation with another volunteer. He/she said they are going to file a lawsuit. Do I have coverage under AYSO's General Liability policy?
There would be no coverage under AYSO's General Liability policy for that type of lawsuit. Our policy specifically excludes participant versus participant lawsuits.
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Why does AYSO not provide liability coveage for lawsuit arising out of volunteers versus volunteer situations?
AYSO and its insurance carrier insures against negligent activities related to its operations, not private incidents between tow players or two volunteers.
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I was coaching a game where a fight broke out between the players. I ran onto the field to break it up, tripped and fell to the ground on top of a player, breaking the player's arm. Do I have coverage under AYSO's policy if the parents file a lawsuit against me?
Yes! There would be coverage under AYSO's current General Liability policy for that type of lawsuit.
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Is it true that our General Liability policy is considered "excess coverage"? What does that mean?
Our policy provides primary coverage unless the incident occurs during a non-soccer related event. For instance, if a volunteer holds an end of season party at their house, our carrier will provide excess coverage over any underlying homeowner's policy. This means that anyone suing you for an incident that may occur during the non-soccer related event would first look to your homeowners policy for coverage if one exists, and then to the AYSO liability policy, in that order.
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I am a registered volunteer and coach in my region, and a parent has accused me of sexual abuse. Will AYSO's General Liability policy provide primary coverage for me, or will I have to use my homeowner's policy first?
Yes, you will be covered by AYSO's policy on a primary basis, and you will not have to look to your own homeowner's policy. A person will have coverage up to the point where it is determined that that person took part in inflicting physical or sexual abuse upon another person. All General Liability policies exclude intentional acts once proven by a court of law.
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Who can rent vehicles and have coverage under the AYSO automobile policy?
AYSO covers a specific list of volunteers and employees who are cleared to rent vehicles when requested to conduct official AYSO business by the National Office. If you are not on that list then you would not have coverage and you would have to rely upon your own automobile insurance to provide coverage.
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Who are the specific volunteers and employees able to rent vehicles?
Currently the list includes those serving as National Board members, Special Directors, Section Directors and National Office staff who have passed a DMV check.
