Copyright, Legal, And Privacy Notices:
Submission No Guarantee Of Coverage:
The submission of this application does not guarantee coverage even though you will immediately receive an email confirming that your payment has been submitted, and a second email evidencing Proof of Coverage subject to review of your electronic submission by Sadler & Company.
American Youth Football & American Youth Cheer Membership:
It is agreed that the organization has applied for new or renewal membership with American Youth Football and/or American Youth Cheer by going online at www.joinayf.com
and completing the online registration, paying the appropriate membership fees for all tackle, flag, flag touch plus, and cheer/step/dance teams or squads. Failure to complete the membership process will result in no coverage being bound. In continuing this application for the AYF Endorsed Insurance Program, I certify that I have read and will comply with the terms of service agreement as stated on www.joinayf.com
I understand that charges are fully earned at inception and there are no provisions for cancellation of coverage, except by the carrier for non-payment of charges due. In the event that Sadler & Company determines that the applicant does not qualify for this program, has not accurately answered a question, has under reported teams/squads intentionally, or has tendered an invalid check/credit card or one with insufficient funds, it will immediately void all coverages as of the effective date and notify all certificate holders.
No COVID Refunds Or Credits:
Now that COVID is a known risk, our carriers will no longer consider COVID refunds or credits due to season cancellation, postponement, shortened season, etc. Please contact Sadler with questions regarding the best way to apply for coverage.
Review Of Brochures, Enrollment Forms, Coverage Plans, And Exclusions: I have carefully reviewed all coverage
plan descriptions and enrollment forms posted on the web page and the PDF document (see
and understand the eligibility requirements, coverages, limits, exclusions that apply, as well as the activities
and operations for which coverage is not provided. I also understand that the web page and PDF document only
provide a summary of coverages and that the only source of complete information is to review a copy of the
master policy. A copy of the master policy may be reviewed by emailing a request to
Other Policies Are Offered But Quotes Must Be Requested In Writing:
I understand that this online enrollment provides the option for us to select Accident, General Liability, Directors & Officers Liability, Crime, and Equipment. However, Sadler offers other types of insurance policies that are not available on this online enrollment such as Workers' Compensation, Excess Liability, Property (building and contents), Event Cancellation, Cyber Risk, Business Auto, Professional Liability, etc. If I am interested in a quote for these other types of policies, I agree to inform Sadler in writing.
Duty To Verify Documents (Verification Of Coverage and Certificates Of Insurance) For Accuracy, Master Policy Available Upon Request:
I understand that the files contained in my proof of coverage email are important documents. Once these documents are received, I will review and make sure the documents contain the coverages requested and further agree to notify Sadler & Co., Inc. if the documents have any mistakes in coverages and/or limits. I understand that I will not receive paper copies through U.S. mail. I am aware that because this coverage is written on a master policy, only the verification of coverage document and the certificate(s) of insurance will be received. However, a copy of the master policy is available at any time by emailing a request to firstname.lastname@example.org. If I do not receive a copy of the email containing my documents within 24 hours, I will follow up with Sadler & Company, Inc. immediately.
Sex Abuse & Molestation:
General Liability coverage for sexual abuse and molestation will not apply unless the insured conference/association/team does not meet the following risk management guidelines:
- Have a system in place and running criminal background checks on all paid staff and volunteers.
- Have written procedures that include sexual abuse and molestation prevention
- Has written procedures that include a response plan for allegations of sexual abuse or molestation. The plan must specify that law enforcement is to be contacted in the event of an allegation.
Waiver & Release Requirement:
Coverage for participant liability is voided unless you have a system in place to collect waiver/release forms on all youth players.
It is agreed that the insured organization will follow the National High School Federation safety
rules as adopted by your state. In addition, all head coaches (football & cheer) will have prior
experience as either a former participant or coach in the sport. Implementation of Child Abuse and
other Misconduct Risk Management Program, the Brain Injury Risk Management program for Youth Football
& Cheer and Sample AYF/AYC Risk Management Plan is highly recommended. These programs can be found at
Effective And Expiration Dates for Accident And General Liability:
I understand that the coverage begins on the date the completed insurance enrollment form is received
and approved by Sadler & Company (concurrent with payment of the entire charges) or
date is later. Coverage expires 12 months from effective date.
- Directors & Officers Liability
FOR THE DIRECTORS & OFFICERS LIABILITY POLICY:
IMPORTANT NOTE: THE POLICY FOR WHICH APPLICATION IS MADE, IF ISSUED, WILL BE ON A CLAIMS MADE BASIS. THIS POLICY SUBJECT TO THE DECLARATIONS, INSURING AGREEMENTS, TERMS, CONDITIONS, LIMITATIONS AND AMENDMENTS APPLIES ONLY TO CLAIMS THAT ARE FIRST MADE DURING THE POLICY PERIOD OR THE DISCOVERY PERIOD IF EXERCISED.
The Crime Policy does not cover vandalism or theft of property by outsiders. If this coverage is desired, you must purchase coverage under the Equipment Section. The Equipment Policy requires that all equipment valued $1,000.00 or more per item be individually scheduled with a brief description of the equipment and its replacement cost value. Please have this information available prior to completing the equipment application. (Itemized Inventory will be required at time of loss.) There is no coverage for losses caused by wind and/or storm surge on property located in Florida, property that is two (2) miles from the Eastern Seaboard (in states where there are barrier islands the starting point is the coastline not the barrier island), and ten (10) miles from the Gulf Coast. Certain weather conditions (ex: tropical storms and hurricanes) in your area may prevent us from binding Equipment coverage upon receipt of the application and premium payment. If this happens, we will make coverage effective as soon as the insurance company allows us to do so. For all three policies under optional coverages, coverage is effective only upon underwriting and acceptance by the carrier. All coverages expire one year after the effective date. If purchaser's coverage is non-renewed, the carrier shall endeavor, but shall not be required, to provide purchaser with prior written notice of non-renewal equal to the time allotted by purchaser's domiciliary state. By signing the application, purchaser acknowledged: (1) That this evidence of insurance (hereinafter "EOI") shall be non-renewed effective the expiration date; and (2) That, upon the expiration of purchaser's EOI, the carrier may offer a renewal, but reserves the rights, because of aforesaid non-renewal, to change the terms & conditions of coverage as compared with the expiring coverage.
I understand that the insurance company, in determining whether to provide insurance coverage will rely on the information contained in this form and all other information being submitted. I hereby warrant, represent and confirm that, to the best of my knowledge, all information provided is complete, true and correct. I am aware that the insurance company expects accurate reporting for my premium calculation, and should my figures exceed my estimates during the coverage term I will make arrangements to pay the additional premium. I understand that my books and records may be examined or audited by the insurance company at any time during the coverage period and up to three years afterwards. Intentional misrepresentation or misreporting may jeopardize coverage.
I acknowledge that my address below is correct and will update Sadler & Co., Inc. of any changes to this email in the future. I grant permission to Sadler & Co., Inc. to utilize this email address to send all documents and communications electronically, including but not limited to, certificates of insurance, verification of coverage, underwriting questions, coverage changes, renewal notices, nonrenewal notices, cancellation notices, quarterly newsletters and important messages. You have the right to withdraw your electronic consent and to request paper copies of certain documents and communications. However, withdrawing electronic consent will greatly diminish our ability to provide service in a timely fashion.