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Refunding Costs if an Athlete Is Unable to Participate
The costs of participating in team sports – from youth sports to adult leagues – have skyrocketed.
Sports teams and leagues rely heavily on pre-paid, nonrefundable tuition and fees to meet significant budgets for coaches, referees, equipment, facility rentals, insurance and more. So how do families protect their tuition and fees* if an athlete is unable to play? This may be due to injury or sickness of the athlete or close family member, or the relocation of the family.
The STEP program provides an easy solution that benefits both the participant’s family and the organization. The participant’s family receives financial reimbursement*, and the organization leaves its budget intact. As a result, the relationship between the organization and family is maintained and, as an ancillary benefit, the pressure of rushing back to the team is lessened, allowing the athlete time to address the reason for the absence.
*Only for the pre-paid, nonrefundable tuition and fees
STEP, as described herein, is not available in the following states: California, Idaho, Kansas, Maryland, Minnesota, New Mexico, New York, Oregon, Texas, Utah and Washington. In New York, STEP is only available on an individual basis and does not include Accidental Death and Dismemberment benefits for the athlete. The Relocation benefit under STEP is not available in Tennessee and Virginia.
What We Cover
Great Protection, Affordable Price
The program can be placed by the organization for all participants or offered as an option, with minimal commitment from the organization. Either way, it offers great protection at an affordable price with limited paperwork.
Questions and Answers
STEP is an insurance product designed to help families get reimbursed for their non-refundable sports tuition and fees should a covered event occur. It also includes accidental death and dismemberment benefits.
STEP will respond if an athlete or a close family member is injured or sick and as a result the athlete cannot play all or a portion of the season.
There also may be coverage available in the event your family is relocated or moves and can no longer participate in the sport.
STEP, as described herein, is not available in the following states: Idaho, Kansas, Maryland, Minnesota, New Mexico, New York, Oregon, Utah and Washington.
In New York, STEP is available on an individual basis only and does not include Accidental Death and Dismemberment benefits for the athlete.
The Relocation benefit under STEP is not available in Tennessee and Virginia.
STEP will reimburse your fees for the portion of playing time missed for a covered reason.
Yes, contracting COVID-19 would be covered as a medical emergency, provided that it is substantiated by an attending physician or a lab report of a positive test administered and supervised by an accredited third-party laboratory (such as CVS, Walgreens, etc.). Results solely from an at-home test are not acceptable.
The carrier is Arch Insurance Company, a part of Arch Capital Group Ltd., which includes Arch’s insurance operations in the United States and Canada.
Leigh Ann Rossi
COO, Sports and Entertainment
T: 516.327.2869
E: leighann.rossi@nfp.com
Fred Solomon
SVP, Sports and Entertainment
T: 516.327.2866
E: fred.solomon@nfp.com