Sports Tuition Expense Protection (STEP)

Table of Content

  1. Header
  2. Sports Tuition Expense Protection (STEP)
    1. Introduction
    2. Benefits Overview
    3. How To Enroll
    4. Additional Resources
    5. Contact Us
  3. ***Page Break***
  4. Sports Tuition Expense Protection (STEP)
  5. An Easy Solution That Benefits All
  6. Footnotes
  7. What We Cover
  8. What We Cover
    1. icons of sports coverage
    2. icons of sports covered 2
    3. icons of sports covered 3
  9. Enroll Now
  10. Additional Information
  11. Enroll Now
  12. FAQ
    1. What is STEP?
    2. What is covered?
    3. What are the benefits?
    4. How much does it cost?
    5. Is COVID-19 covered?
    6. Who is the carrier?
  13. ***Page Break***
  14. Contact Us
  15. Submit a Claim
  16. Footer

Sports Tuition Expense Protection (STEP)

Youth Hockey

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.

An Easy Solution That Benefits All

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.


Cheerleader

*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.



General Description

Case Studies

Rates for all Sports

Rates for Ice Hockey

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.

In most cases, about what you would pay for a hockey stick! The premium is based on the sport, the athlete’s age and the cost of tuition. For example, a 12-year-old ice hockey player, whose tuition is $6,000 would pay $168 for coverage.

Rates for all Sports

Rates for Ice Hockey

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.

Contact Us

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

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P&C Insurance Services provided through NFP Property & Casualty Services, Inc., doing business in California as NFP Property & Casualty Insurance Services, Inc. (License #0F15715). LA&H Insurance Services provided through NFP Corporate Services (NY), LLC, doing business in California as NFP Corporate Insurance Services, LLC (License #0F44161). Both entities are subsidiaries of NFP Corp. (NFP).


Insurance coverage described is underwritten by Arch Insurance Company, NAIC #11150, a member company of Arch Insurance Group Inc. The policy contains reductions, limitations, and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions. Please refer to your policy for detailed terms and conditions.

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