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.


HDI Global Specialty (A Rated)

Policy Period

August 1, 2022 – August 1, 2023

Limits of Insurance

  • $1,000,000: Each Occurrence
  • $2,000,000: 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


  • Educator Professional Liability
  • 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 families affected by such accidents.

New Procedure for Camp Insurance

As a member benefit of your state coaches association, all members in good standing have a $1,000,000 General Liability policy limit that provides coverage for their coaching activities.  In order to protect the General Liability policy from potential claims, the insurance company has mandated that all coaches must obtain signed waivers and provide Participant/Accident insurance from their participants.

In order to obtain a certificate of insurance showing proof of  insurance or naming an additional insured, the following must be in place:

  • Waivers: Signed waivers showing indemnification language
  • Participant/Accident Insurance: You must have Participant/Accident coverage in place for all participants attending sports camps.

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.

Click here to view Loomis and Lapann Insurance Coverage


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 –