Comprehensive Insurance Coverage
Once registered, the NASO insurance provides officials with extensive coverage, not only for MHSAA contests but also for any other officiating activities you may engage in outside of high school sports. This coverage is incredibly valuable, offering $6 million per occurrence with a $14 million aggregate cap.
Assault Coverage
In addition to the standard liability coverage, the NASO insurance also includes protection against assault-related incidents up to $15,500. This is particularly important given the nature of the officiating profession, where confrontations can sometimes escalate.
Judgment Call Claims
One of the most common sources of claims against officials comes from judgment calls made during games. These claims often stem from disagreements with decisions that may impact the outcome of the game, such as fouling out a player. For instance, there have been real instances where officials have been blamed for costing a player their scholarship or NIL (Name, Image, Likeness) money. The NASO insurance provides up to $100,000 of coverage for such claims for MHSAA registered officials.
Why Timely Registration Matters
Considering these substantial benefits, it is clear why timely registration with the MHSAA is so important. By ensuring you are registered before the extended deadlines, you can take full advantage of the comprehensive insurance coverage provided. This not only protects you in your role as an official but also gives you peace of mind knowing that you are covered in a wide range of potential scenarios.
Final Thoughts
When deciding when to re-register with the MHSAA, please take into account the extensive benefits and protections offered by the NASO insurance. Ensuring that your registration is up-to-date means that you are immediately covered, allowing you to officiate with confidence and security.