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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 38 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 Are My Insurance Benefits as an NFHS Official?

As a member of the National Federation of High Schools Officials Association, you are provided with an insurance package which includes, General Liability, Accident Medical and Accidental Death and Dismemberment insurance. This insurance package is provided to you as part of your membership dues. There is no additional fee.

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 the MVSRA.
  • 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

  • Coverage shall apply only while the member is engaging in officiating activities during regularly scheduled sports or activities competition, which includes assigning, chain crew, and attending or operating officiating camps, clinics, or meetings.
  • 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.
  • 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.

NFHS Insurance Contact Information

Christian Reed - Chief Executive Officer
Justin Vandewynkle - Account Executive
Mindee Holmes - Chief Financial & Operating Officer
Claims Questions: please call 800-386-9183 and speak with Justin Vandewynkle.
Please Note: For Membership questions, please call the NFHS directly at (317) 972-6900.