Insured persons are covered during:
- Coaching or instructing of organized sport or activity programs or coaching individuals on your team.
- Strength and conditioning coaches, only if the coach is employed by a member school of a state high school association and athletes must be students at the school and participate in a sport that is recognized by the state high school association
- Coverage is extended to youth, recreational and college coaching, however, the sport must be recognized by the state high school association
- Spirit Coaches covered only while participating in activities sponsored and approved by the school which employs or contracts with the coach
- Premises owned, leased or borrowed by the policyholder
- Travel scheduled, sponsored or supervised by the policyholder