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COVID-19 and Insurance

If insurance companies cannot quantify the frequency and severity of a particular risk then the risk is too unpredictable and is uninsurable. As such, any injury or illness "...arising out of the actual or alleged transmission of a communicable disease while the communicable disease is the source of either an epidemic or pandemic..." is not covered by insurance. 
This exclusion applies even if the claims against LSA allege negligence or wrongdoing in
  • Supervising or monitoring others infected with the disease,
  • Testing or failing to test,
  • Failure to prevent the spread of the disease, or
  • Failure to report the disease to the authorities.

The dangers and risks associated with the transmission of COVID-19 are well-known. So, too, are those risks associated with a return to play in a soccer environment. Protocols, mitigation measures and guidelines have been well publicized by LSA, the State of Louisiana, the CDC and the White House Task Force. All Clubs, coaches, players, parents and supporters who are returning to play are assuming the risk of transmission and are responsible for their own actions.