Collectives (DD&D)

Collectives (DD&D)

Newer coverage area: Policies designed for schools and collectives, not just athletes

Insurance for Collectives: DD&D Coverage

Protect agreements and reputation with tailored Death, Disability, and Disgrace coverage aligned to how NIL obligations are written. Because NIL agreements typically don’t define on-field duties, “own-occupation” disability definitions don’t apply to collective-owned coverage, we design policies that fit your contracts.

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Who it’s for

Collectives seeking to manage reputational and contract-fulfillment risk.

What DD&D can address

  • Death
  • Disability preventing fulfillment of services as defined in the NIL agreement
  • Disgrace events (e.g., certain felonious acts) that may void student status or obligations

About “own-occupation” definitions
Traditional “own-occupation” disability language applies to being unable to perform the duties of a specific sport (e.g., playing quarterback). Collective agreements define endorsement/appearance obligations, not on-field duties, so own-occupation generally doesn’t apply. We align DD&D terms to the actual services in your agreements.

What we’ll ask for

A census, Agreement language, roster/exposure profile, compliance contact, and risk appetite.

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NIL Insurance Company DD&D coverage

Our Process

1. Determine insurable income/obligations (contract review)

2. Submit documentation

3. Submit any required medical records (when applicable)

4. Underwriters review

5. Receive a quote on the elements to insure

6. Issue the policy

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How is “disgrace” defined in DD&D?

Any act, conduct, or behavior by the insured which results in public disrepute, scandal, or ridicule, and which causes the insured to be unable to earn income from their occupation or profession.

Do “own-occupation” definitions apply to collective coverage?

Usually not. Because collective agreements focus on endorsements and appearances—not playing duties—policies are tailored to those obligations rather than a sport-specific own-occupation definition.

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Licensed in all 50 U.S. states. Coverage subject to underwriting and availability.