The general liability protects members in the event they are sued for incidents involving bodily injury or property damage resulting from an amateur soccer activity. All members are provided this coverage upon registration with MSSA.
The Participant Accident Insurance protects registered player resulting from accident injury while playing for the team during sanctioned amateur soccer activities in scheduled league games, US Adult Soccer sanctioned tournaments & official practice sessions of the team. The policy is a secondary coverage that helps defray costs for medical and dental expenses, which for the most part is to assist for payments not covered by a primary medical insurance policy. The maximum accident medical benefit is $5,000. The deductible is $400 of eligible expenses. Some expenses are limited per category. The coverage is a reimbursement to the injured players. The player is responsible for payments of services. This Risk Management Program provides insurance coverage that gives our members excellent protection and value at a reasonable cost that other organizations do not provide.
Waiver and release agreements are tools that may reduce the risk or severity of claims. Signing a waiver warns the participants of risks inherent to the activity in which they choose to participate and triggers the assumption of risk defense. The participant may essentially relinquish the right to file a claim. Having a signed waiver in place provides protection which may conclude a claim early in the process, reduce the expense defense costs and the stress of a potential lawsuit. It is required under the US Adult Soccer Risk Management Program that every registered player acknowledges and agrees to the Assumption of Risk and Release of Liability in order to participate in our activities. This waiver may be signed on paper or electronically through an online registration. The statute of limitations in the State of Maryland for personal injury, property damage and product liability is three (3) years. The signed waivers are to be kept for four (4) years from signing of the documents. For those waivers that were accepted online, check with your provider concerning how those records are kept. It is also recommended that the waiver be sent as part of the confirmation message for those players who register online.
For minor participants under the age of eighteen (18) years of age, the waiver is accepted only in paper form and must also be signed by a parent/guardian.
While the waivers are required, they will not necessarily provide full protection from a lawsuit. These documents though are helpful to show a court that your organization has taken steps to inform your participants in regards to the risks of injuries and the possible consequences of playing soccer. Always keep in mind that the safety of your participants should always be the number one goal.