No one covers more State High School Associations than Dissinger Reed.

For more than 40 years, Dissinger Reed has insured the unique risks of state high school associations, athletic organizations, individual high schools, school districts, and National Governing Bodies across the country. During this time, our risk management approach and specific insurance of athletics, organizations, youth leagues, teams, events, concussions, officials, coaches, camps/clinics, and more have allowed Dissinger Reed to provide unmatched coverage while controlling expenditures at all levels.

Explore our basic coverage programs listed below and learn how we protect student-athletes and their governing associations.

General & Excess Liability Insurance

Learn More

State high school associations are governing bodies involved in the organizing, sanctioning, direction or production of tournaments and all-star games, General liability and excess liability coverage provides protection against negligence, while they conduct their primary duties.

  • Various Aggregate Limits
  • Participant Legal Liability
  • Employee Benefits Liability
  • Sexual Abuse & Molestation Liability
  • Business Auto Liability
  • Purchased alongside the general liability policy
  • Provides additional limits of insurance in excess of underlying liability policy
  • Ability to schedule other policies, as needed

Catastrophic Accident Insurance

Learn More

With contact sports and various student activities, state high school associations and individual high schools understand the value of catastrophic accident insurance.

  • High-limit benefits for disabling injuries
  • Various benefit periods, including lifetime
  • Covers students while participating in a covered sport or activity. This includes practice and play, as well as covered travel
  • Benefits for the injured student begin once the catastrophic deductible has been met
  • Includes an accidental death benefit
  • Policyholder is the state high school association and protects the participating students of all member high schools in the state
  • Benefits are consistent throughout the state
  • Pricing is based on all state-sanctioned sports and activities, which can make it more affordable per school than a voluntary plan
  • Includes an accidental death benefit
  • Policyholder is the individual high school
  • Benefits can be tailored to meet the needs and budget of the school
  • Unlike association plans, these plans can cover your entire student body (K-12) for school-sponsored music concerts, field trips, recess (primary school), physical education classes, chemistry labs and shop classes
  • Can provide coverage for junior high and middle school sports in states where the association does not provide coverage
  • Rates are based on activities, sports and number of students
  • Includes an accidental death benefit

Tournament/Post-Season Insurance

Learn More

For associations wanting to provide gap coverage in addition to their current catastrophic plan or for those associations who do not currently offer a mandatory catastrophic plan, this accident medical policy can extend coverage to students for injuries sustained during tournament and post-season play.

Some of the benefits may include:

  • Deductibles as low as $100
  • Excess medical maximum is customized to meet the needs of the association
  • Various benefit periods
  • Includes an accidental death benefit

Basic School Accident Insurance

Learn More

Because accidents can happen during the course of a regular school day, many individual schools and districts purchase basic school accident insurance.

  • Covers all registered students, including coverage for preschool, kindergarten, elementary, junior high/middle, and senior high schools
  • Boarding school students may be covered on a twenty-four-hour basis
  • Excess accident medical only plans are available to both, public and private schools, on a mandatory basis and cover students while participating in all school sponsored and supervised activities on or off school premises
  • Coverage includes participation in interscholastic athletics, including tackle football
  • Coverage is provided during tryouts, preseason play, practice, regular and post-season play
  • Sports only plans are available
  • Custom plans are available for large school districts

For more information, contact us for consultation by phone: 800-386-9183 or by email:

Directors & Officers Liability

Learn More

Directors and officers liability insurance is designed to provide protection for your association, its board, and individuals against claims for “wrongful acts” while performing their duties. The policy can pay for losses, which associations or individuals become legally obligated to pay. These costs can include legal defense fees, even if the suit is settled out of court.

Some of the benefits may include:

  • Retentions (deductibles) at various levels
  • Policy aggregates from $1mil and up
  • Defense costs paid inside or outside of the policy limits
  • Prior Acts Coverage
  • Peer Review/Credentialing Coverage
  • Third-Party Claims
  • Employment Practices Liability
  • Fiduciary Liability
  • Volunteer coverage

D&O App – NFHS Members

Officials Programs

Learn More

Our state high school associations know quality officials are vital to the success of athletic programs throughout the country. With this in mind, Dissinger Reed has created a comprehensive program for your association or league. Our officials program is strategically designed to cover all game officials while performing his/her officiating duties during scheduled games or competition.

Some of the types of coverage may include:

  • General Liability and Excess Liability
  • Excess Accident Medical coverage
  • Game Fee Reimbursement for lost wages
  • Disability

Camp & Clinic Programs

Learn More

From football to golf and debate to orchestra, Dissinger Reed understands the risk involved while running a camp or clinic. Our programs are designed with the individual coach and instructor in mind, offering the most comprehensive coverage in the market. Our camp and clinic programs include general liability and participant legal liability, which protect the policy holder from costly lawsuits and accident medical insurance, which insures coverage for students when injuries occur.

Programs are available for any of these activities:

  • Athletic Day Camps
  • Commuter and Overnight Camps
  • Academic and Scholar Programs
  • Non-school Sponsored Sports and Activities
  • Teaching Clinics
  • Supervised Off-season Workouts
  • All-Star Games
  • Leagues and Teams


Concussion Insurance Program

Learn More

Each year, it is estimated that up to 3.8 million young athletes will sustain a sports related concussion (CDC). At Dissinger Reed, we understand today’s inherent risk of concussions within youth associations, leagues and teams. The importance of providing these young athletes the most comprehensive neurological/concussion care will ensure your students are safe to return to the field, courts, and classroom.

HeadStrong® was specifically developed to insure your student athletes from the high cost of concussion treatment and neurological follow up that may be required after a suspected concussion. Program highlights include:

  • $25,000 Accident Medical Concussion coverage (includes neurological follow up)
  • $0 Deductible and no Co-pays
  • $5,000 Accidental Death & Dismemberment
  • Telemed Services provided, when needed
  • No restrictions on specific doctors; no referrals needed for treatment
  • No internal limits or specific procedure maximums
  • A+ rated carrier with Financial XV backing
  • $1.35 per participant (3,500 minimum participants to initiate coverage)
  • Neurological follow up care – When medically necessary and billed at U&C

When your participating organization takes part in the HeadStrong Concussion Insurance ProgramTM, your athletes are automatically covered with no underwriting process involved. Coverage is secondary/excess to any other valid and collectible insurance but will become the primary payor, if no other insurance is available.

HeadStrong is proudly insuring over 675,000 student athletes across the country. We look forward to discussing how this exclusive program will, not only ensure your young athletes are well covered in the case of a concussion, but will also help protect the overall liability of your association, league or team.

For more information and specific plan details on the HeadStrong Concussion Insurance Program, please contact Christian Reed at 800-386-9183.

Athletic Trainer Liability Insurance

Learn More

As an Athletic Trainer, you work extremely hard in taking care of your student athletes and teams. It is also important to protect your own interests while performing your various duties and insurance can play a key role.  Dissinger Reed, along with our partner CM&F, now bring athletic trainers, as well as other fitness and rehabilitation professionals, the most comprehensive and lowest cost professional liability insurance policy in the market today. Our professional liability insurance is tailored to your needs and follows you wherever you practice.  You can focus on your athletes while we protect your personal assets, license and reputation!

Top 5 Coverage Benefits for Athletic Trainers:

  • Premiums as low as $220/year employed and $1,214/year self-employed
  • Full-time, Part-time, Telehealth and Moonlighting coverage, portable wherever your Standard Operating Procedure takes you, 24/7/365
  • Full Consent to Settle – Some individual policies do NOT allow the Athletic Trainer to consent within a given litigation matter
  • Defend and protect YOUR best interests – Defense/legal costs covered IN ADDITION to indemnity payment while having access to your own attorney (Defense Costs are NOT inside your liability coverage limit)
  • Recognizing the hands-on nature of Athletic Trainer services, CM&F offers up to $25,000 in defense coverage for any sexual misconduct claims
  • Coverage allows additional insureds at any time and with no additional cost; the competition will charge for additional insured certificates

Dissinger Reed is thrilled to announce our partnership with CM&F Group to offer you affordable, comprehensive professional liability coverage that brings you peace of mind so you can focus on your true passion!

Call or Click for a competitive quote and review of your current policyWe have dedicated underwriters available to walk you through this important piece of your professional liability!

Review Coverage Flyer Here

The 5 Key Aspects To Consider For Your Professional Liability Coverage

Other Insurance Needs

Learn More

Our state high school associations have unique needs and often require additional insurance. Dissinger Reed has many additional insurance products to cover a variety of risks.

Some of these types of policies include:

  • Errors & Omissions Liability
  • Cyber Liability
  • Crime Insurance
  • Media Liability
  • Professional Medical Liability
  • Event Liability
  • Event Cancellation
  • Staff Travel Accident
  • Volunteer Accident Medical
Quick Links

National Federation of State High School Associations

Learn More

Questions about programs & services?

Contact Us