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Referee Insurance

Referee Insurance Program

Dissinger Reed is proud to provide insurance and risk management for the NFHS Officials Association. With over 34 years of insurance experience for governing organizations and high school associations, Dissinger Reed understands the unique special risks involved with the NFHS and its members. The NFHS and Dissinger Reed have specifically designed an insurance plan to cover Officials and all registered member Associations.

Read More About Coverage and Benefits »

What Officials Are Covered?

  • All officials currently registered with a member state association, like the OSAA.
  • State and local officials' associations who have 100% membership in the NFHS Officials Association, which includes all Oregon chartered local officials association.
  • Assignors, instructors, and rule interpreters who are currently registered with the NFOA are covered under the Liability Policy for claims involving bodily injury and property damage. There is no coverage under the Liability Policy for any other type of claim.

Covered Activities

Insured persons are covered for injury resulting from an accident which occurs directly from:
  • Insurance coverage applies while the member is performing his/her officiating duties during a regularly scheduled sports or activity competition.
  • The sport or activity must be recognized in that state by the member state high school association or by high schools that follow the state association guidelines.
  • If the sport is recognized by the state high school association for men or women, the official will be covered for officiating that sport for both men and women.
  • Officiating duties include chain crews and attending officiating camps, clinics, and meetings.
  • Coverage for officials extends, not only to high school activities, but also to college, independent youth, adult, and recreational leagues. However, coverage is still limited only to sports recognized by the state high school association.
  • Accident medical coverage only for direct travel to and from a covered activity. No general liability coverage.

Insurance Company Contact Information

Dissinger Reed
8700 Indian Creek Parkway, Suite 320
Overland Park, KS 66210

Toll-free: 800-386-9183
Office: 913-491-6385
Fax: 913-491-0527