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

We became the leader by developing the most comprehensive coverage programs and pairing that with customer service that always responds at a moments notice.

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

General & Excess Liability Insurance

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Because state high school associations are governing bodies involved in the organizing, sanctioning, direction or production of tournaments and all-star games, general and excess liability coverage provides protection against negligence while conducting its primary duties.

  • Various Aggregate Limits
  • Participant Legal Liability
  • Employee Benefit Liability
  • Sexual Abuse & Molestation Liability
  • Non-owned/Hired Auto Liability
  • Purchased alongside the general liability policy
  • Provides additional limits of insurance in excess of underlying liability policy

Catastrophic Accident Insurance

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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 the student during practice and play in a covered event and during covered travel
  • Covers a student’s injuries after the catastrophic deductible has been met
  • Includes an accidental death benefit
  • Policy holder is the state high school association and protects all member high schools in the state
  • Benefits are consistent throughout the state
  • Pricing based on all state sanctioned athletics and activities, if applicable, and, therefore, can be more affordable per school than a voluntary plan
  • Includes an accidental death benefit
  • Policyholder is each individual high school
  • Benefits can be tailored to meet your needs and budget
  • Unlike association plans, these plans can cover your 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

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For associations not offering a mandatory catastrophic medical plan or those associations looking to supplement the current catastrophic plan in place, this accident medical policy can offer coverage to students for any injury sustained during tournament and post-season play.

Some of the benefits may include:

  • Deductibles can start 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

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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 and/or senior high schools
  • Boarding school students may also 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

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

Some of the benefits may include:

  • Retentions (deductibles) at any level
  • Policy aggregates from $1mil and up
  • Defense costs paid inside or outside of the policy limits
  • Prior acts
  • Peer review/credentialing
  • Third party claims
  • Employee benefits liability
  • Fiduciary liability
  • Crime
  • Volunteer coverage

D&O App – NFHS Members

Officials Programs

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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 and excess liability
  • Excess accident medical coverage
  • Game Fee Reimbursement (Lost Wages) benefit
  • Disability coverage

Camp & Clinic Programs

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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

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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
  • $1.50 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 667,000 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.

Other Insurance Needs

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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
  • Media Liability
  • Professional Medical Liability
  • Event Cancellation
  • Staff Travel Accident
  • Volunteer Accident Medical
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National Federation of State High School Associations

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Questions about programs & services?

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