Natty Hatty provides technology only — all insurance responsibility belongs to the Organization.

Natty Hatty, Inc. (“Natty Hatty”) is a software platform designed to help youth-sports organizations manage registrations, payments, rosters, waivers, events, and digital signatures.

Natty Hatty is not an insurance provider, does not offer insurance, and does not act as an insurance broker, agent, or underwriter.

This Insurance Disclosure explains Natty Hatty’s role and the responsibilities of Organizations, coaches, parents, players, and participants regarding insurance coverage.

1. Natty Hatty Is Not an Insurance Company

Natty Hatty:

• Does not provide liability insurance

• Does not provide medical or health insurance

• Does not offer accident coverage, injury protection, or event insurance

• Does not sell or arrange insurance policies

• Does not advise on insurance requirements or adequacy

Natty Hatty functions only as a technology platform. All insurance obligations belong to the Organization, not Natty Hatty.

2. No Coverage Provided Through Natty Hatty

Natty Hatty does not automatically include or provide any of the following:

• General liability insurance

• Participant accident insurance

• Athletic injury insurance

• Professional liability (coach liability)

• Directors & Officers (D&O) insurance

• Equipment or property insurance

• Abuse and molestation coverage

• Workers’ compensation

• Cyber liability coverage

• Errors & Omissions

Organizations are responsible for procuring appropriate insurance coverage independently.

3. Organization Responsibilities

Organizations using Natty Hatty agree that they:

• Are solely responsible for determining the insurance coverage required for their activities, events, coaches, facilities, and participants

• Will maintain adequate insurance coverage as required by local, state, or national laws, athletic governing bodies, or facility requirements

• Will provide proof of insurance to parents, facilities, or leagues when requested

• Will not represent Natty Hatty as an insurer or imply that Natty Hatty provides financial protection or liability coverage

Natty Hatty does not verify, audit, or enforce an Organization’s insurance coverage.

4. Participant / Guardian Responsibilities

Parents, guardians, and participants acknowledge that:

• Participation in sports involves inherent risks

• Natty Hatty does not provide injury, health, or accident coverage

• All medical or injury-related claims must be directed to the Organization or applicable insurance provider

• Signing waivers through Natty Hatty Signature does not create any insurance obligations on Natty Hatty

• Participants should confirm insurance coverage directly with their Organization.

5. Payments & Insurance Fees

Some Organizations may collect insurance-related fees (e.g., “league insurance fee,” “facility insurance fee,” “player insurance fee”).

Natty Hatty:

• Does not determine these fees

• Does not receive any portion of insurance fees

• Does not validate whether such fees correspond to actual coverage

• Does not verify insurance policy terms or limits

Any questions about insurance fees must be directed to the Organization.

6. Waivers and Release Forms

Natty Hatty Signature may be used to distribute and sign:

• Liability waivers

• Medical releases

• Participation agreements

• Assumption-of-risk statements

• Photo releases

Natty Hatty:

• Does not draft these documents

• Does not guarantee legal adequacy

• Does not validate or enforce waiver terms

• Does not provide insurance coverage through waivers

• Provides only the digital signing infrastructure

Organizations must obtain legal review of their own documents.

7. Facility, League, Tournament, and Team Policies

Insurance requirements vary by:

• Facility

• League

• Tournament operator

• Governing body

• State or local law

Natty Hatty does not control or enforce these requirements.

Organizations are solely responsible for:

• Understanding insurance mandates

• Ensuring compliance

• Communicating insurance details to parents and coaches

• Handling all claims and disputes

8. No Claims Handling or Support

Natty Hatty does not:

• Process injury claims

• Handle insurance reimbursement

• File incident reports

• Coordinate with insurance carriers

• Investigate accidents or injuries

• Provide legal guidance on coverage

All inquiries must be directed to the Organization or its insurance provider.

9. No Third-Party Beneficiary Rights

Nothing in Natty Hatty’s platform, documentation, or agreements:

• Creates any rights for Organizations under Natty Hatty’s internal insurance policies

• Creates any coverage for users under Natty Hatty’s business insurance

• Obligates Natty Hatty to provide any defense or indemnity

Organizations and participants are not beneficiaries of Natty Hatty’s corporate insurance.