north american surf and skateboard association
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NASSA Chapter Information and Benefits
Effective Date: Dec 13 2007 12:01am thru Dec 13 2008 12:01 am
NASSA North American Surf and Skateboard Association

Program will expire on 12/13/2008. At this time, NASSA will renew, non-renew or review and revise program for renewal terms.

THIS IS A SHARED POLICY – ALL LIMITS ARE SHARED WITH ALL NASSA MEMBERS.

Eligible Activities:
  1. Skateboarding
  2. BMX riding
  3. Surfing
  4. Inline skating


Excluded Activities:
Aircraft or Watercraft, Pyrotechnics, Use of Trampolines, Cheerleading Pyramids, Sale/ Manufacture/ Distribution of Athletic Equipment, Use of Saunas or Tanning Devices, Polo, Skin & Scuba Diving, Squash, Downhill Snow Skiing, Water Skiing, Whitewater Rafting, Bungee Jumping, Mountain Climbing, Rock Climbing, Motorsports, Rodeo or any Equestrian Related Sports, Waterslides, Ballooning, Parachute Jumping, Luge, Tobogganing, Gymnastics, All Motor Sports, and All special events not sponsored or hosted by North American Surf and Skateboard Association.

Insurance Coverage Provided:
  1. General Liability
    • $2,000,000 - General Aggregate
    • $1,000,000 - Each Occurrence
    • $1,000,000 - Products/Completed Operations
    • $1,000,000 - Personal & Advertising Injury
    • $300,000 - Fire Damage to Premises (any one fire)
    • $0 - Medical Expense
    • $0 - Deductible per Claim
    • $0 - Non-Owned & Hired Auto
     
  2. Accident Coverage
    • $10,000 - Maximum Medical Benefit per Claim
    • $10,000 - Accidental Death/Dismemberment Benefit per Claim
    • $2500 - Deductible per Claim
    • $0 - Sickness Benefit

Benefits described in the policy will pay for a covered Accident which occurs while a covered person is:
  1. taking part in:
    1. a regularly scheduled athletic game or competition; or
    2. a practice session for an athletic team or club; or
  2. traveling to or from such a game, competition, demo, educational training, workshops, or practice session provided he is;
    1. traveling with the athletic team or club; and
    2. under the direct and immediate supervision of:
      1. the athletic team or club; or
      2. an adult authorized by the athletic team or club; or
  3. traveling directly, without interruption:
    1. between his home and a scheduled game, competition or practice session;
    2. in a vehicle which is:
      1. designated or furnished by the athletic team or club;
      2. operated by a properly licensed, adult driver, or
      3. under the direct supervision of the athletic team or club; or
    3. in a vehicle other than that described in (3)(b) when:
      1. operated by a properly licensed driver, and
      2. travel time does not exceed an hour each way.

Travel time includes the time:
  1. to or from home, a scheduled game, competition or practice session;
  2. before required attendance time;
  3. after the Covered Person is dismissed; and
  4. after the Covered Person completes extra duties assigned by the policyholder.

Conditions which result over a period of time (such as blisters, tennis elbow, heat exhaustion, hernia, etc.), and which are a normal, foreseeable result of the sport, are not covered. These items are considered a sickness and are not covered

Accidental Death and Dismemberment Benefit
  • If Injury to the Covered Person results in any of the covered losses shown below, within the Time Period for Loss as shown in Schedule of Benefits] from the date of the Covered Accident that caused the Injury, the Company will pay the percentage of the Principal Sum (Amount of Insurance) shown below for that loss. The Principal Sum (Amount of Insurance) is shown in the Schedule of Benefits. If multiple losses occur, only one Benefit, the largest, will be paid for all losses due to the same Covered Accident.

    Loss of: Benefit:
     

    (Percentage of Principal Sum
    Amount of Insurance)

    Life 100%
    Two or More Members 100%
    One Member 50%
    Thumb and Index Finger of the Same Hand 25%

    “Member” means Loss of Hand or Foot and Loss of Sight.

    “Loss of a hand or foot” means complete severance through or above the wrist or ankle joint.

    “Loss of sight” means total and permanent loss of sight of one/both eyes that are irrecoverable, including by surgical and artificial means.

    “Loss of thumb and index finger of the same hand” means complete severance of each through or above the metacarpophalangeal joint of both digits of the same hand. Severance means the complete separation and dismemberment of the part from the body


Coverage Exclusions:
War, Terrorism, Expected or Intended Injury, Sexual Abuse/Molestation, Asbestos, Nuclear Energy, Total Pollution, Fungi or Bacteria, Aircraft or Watercraft, Pyrotechnics, Employment Related Practices, Communicable Disease (Hepatitis, TSE, HIV, HTLV, or AIDS) Collapse of Temporary Structure, Lead Liability, Professional Liability, Violation of Telephone Consumer Protection Act or CAN-SPAM Act, and other policy listed exclusions

Requirements for Participation in Insurance Program:
  1. All league members including but not limited to participants, coaches, directors, and volunteers, must be a current NASSA member.
    1. * A League is defined as 3 or more people who organize to practice, fundraise, teach or learn, compete, and/or perform surfing, BMX, inline skating or skateboarding activities throughout the year
    2. ** Current members are defined as being logged into NASSA’s membership database and paid in full for membership, including insurance premiums.
  2. All league members must be amateurs. Professional and semi-professional* leagues and members are not eligible for the insurance program.
    1. * A Professional is defined as an individual who is making a living off of full time and/or part-time wages provided in exchange for performing or showcasing an activity. NASSA defines a professional as anyone who earns a wage of $5,000 or more in one year in exchange for performing or showcasing and activity, including any endorsements.
  3. All league members must reside in United States Territory or Canada. The United States Territory is limited to the 50 States only.
  4. All leagues must maintain a system to regularly secure signed Waiver and Release forms from league members and participants. For minor members and participants, these waiver/release forms should be signed by a parent or guardian. Unintentional error on the league’s part in securing Waiver and Release forms will not void coverage in the event of a claim by a league member or participant; however, a league’s failure to maintain an adequate system to regularly secure Waiver and Release forms will void all coverage in the event of a claim.


Remember – a participant assumes a risk when they sign up to participate in an activity. A spectator does not expect to be injured and is more likely to file a lawsuit if they are injured. Be diligent at all times to keep spectator areas safe from flying boards and bodies!

If you have spectators, photographers or reporters entering into an area of activity make them sign a waiver and explain the risks. If they are close to the action they should put a helmet on as well.

Safety FIRST
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