Liability Insurance for Referees
This Memorandum is to clarify coverage for referees while they are working for School Boards.
There are two types of referees that might be used by schools to referee sports events - the volunteer referee or the paid referee, hired through an Association.
Volunteer referees are fully protected by the Board's liability insurance while they are working within the scope of their duties for the Board. This coverage protects referees who are named in law suits arising out of their duties on behalf of the Board. Accidental injuries to the referees themselves are not covered under the liability policy. The personal OHIP or medical insurance of the referees would be called upon in these circumstances.
Referees hired from an Association are protected by the Board's liability policy in the same way as volunteers, if they are not covered by the Association's liability insurance. The Board's insurance is considered excess to any insurance provided by the Association for referees that are certified and trained by them. If the Association Insurance excludes coverage for referees who are working for School Boards, upon proof of the exclusion, OSBIE's Policy will provide coverage for the referees.