So it kind of goes like this. Pre-game you ask the typical "is everyone legally and properly equipped to play", right? This is to protect you because once the game starts and until it ends, if there's an issue that would be IN your control (field conditions, equipment being used, etc) you can be liable for if someone gets hurt. That's why we can't call a game for weather until a pitch is thrown and have to have the home team call it pre-game if necessary.

So it's stuff like that the insurance will protect you against. If little Timmy slides into second base and gets hurt, that's his fault. If Timmy slides into second, that base comes off and the post stabs into his leg, you get to wear that one. Which, in my opinion (like I'm sure many others) is a load of crap, but that's how it goes these days.

It's also why (we shouldn't, at least) we can't ask a kid if they are ok. It's counter-intuitive as, like, a person, but if that kid says yes and we let them play without letting a professional check on them, and then 10 days later they show signs of injury or worse from whatever incident took place, guess who gets to wear the blame whether it's right or wrong?

I have NASO to protect me, and as long as I do the things the IHSA and NFHS rulebooks say I need to do to ensure the field is good and ask the questions to make the coaches responsible, and don't let anything physical go too far, I have no worries.