Liability coverage is a benefit that is included with your membership.

Coverage is provided to your State Association and Members through the Commercial General Liability Policy issued to the National Organization of Coaches Association Directors.


Houston Casualty Insurance Company

Policy Period

August 1, 2017 – August 1, 2018

Limits of Insurance

  • $1,000,000: Each Occurrence
  • $1,000,000: General Aggregate (per Member)
  • $1,000,000: Products/Completed Operations
  • $1,000,000: Personal & Advertising Injury
  • $300,000: Fire Damage
  • $50,000: Sexual Abuse (per member)
  • Excluded: Medical Payments
  • Educators Professional Liability (classroom coverage)


  • Participant Legal Liability for insured members
  • Liability assumed under insured written contract
  • Defense Costs outside limits


  • The use of automobiles, buses, watercraft and aircraft
  • Property of others in the care, custody, and control of the insured
  • This insurance does not apply to members that coach at an All-Star game that is not approved by your state coaches association.

Camp Coverage

Today, most coaches are involved in some type of sports camp. Please note that our General Liability Program follows insured members while working at camps and/or conducting their own personal camp.

In addition, Participant/Accident coverage is required for coaches and/or participants. Should an accident occur during a camp, clinic or event, this secondary coverage helps offset the loss suffered by familites affected by such accidents.

New Procedure for Camp Insurance

  • Participant Waivers – Signed waivers must be in place for all participants attending camps. The waiver must have indemnification language and acknowledgement that primary medical insurance is in place for the participant.
  • Participant/Accident (Medical) – If you cannot secure such a waiver, you must purchase coverage for all participants attending your camp.
  • Additional Insured/Certificate of Insurance – If you require a certificate of insurance naming an additional insured, you must purchase the Participant/Accident (Medical) coverage for all participants attending your camp.
  • Proof of Insurance – If you require a certificate of insurance showing proof of insurance and you have the required waiver in place, you DO NOT have to purchase the Participant/Accident (Medical) coverage.

Purchase Insurance

Camp Insurance Request form is available on our website:

Insurance Administrator

Loomis & Lapann, Inc.

(P) 800-566-6479     (F) 518-792-3426

Greg Joly

Lori George

Karen Boller

Disclaimer: This is an insurance overview for summary purposes only; for complete policy terms and conditions please refer to the NOCAD Master Policy.



For any additional information, please contact us online or call us during office hours: (864) 388-2479.

You may also contact any of the following at Loomis & Lapann, Inc.:

Greg Joly –

Lori George –

Karen Boller –