State National Insurance Company has filed to introduce three new commercial general liability endorsements in Rhode Island for its Players Health Insurance Program, managed by CoverGame USA (dba Players Health). The filing (SERFF #STNA-134583031), submitted June 26, 2025, applies to both new and renewal business upon approval.

Key additions include:

• Medical Payments for Participants (CG-GL-CW-0144): Optional coverage for medical expenses stemming from sports-related accidents, covering participants such as players, coaches, or camp attendees. Benefits are paid regardless of fault and subject to specified limits and deductibles.

• Exclusion – Discrimination (CG-GL-CW-0145): Conditionally mandatory if the insured declines separate discrimination coverage. Excludes claims tied to various forms of discrimination, including race, gender identity, or sexual orientation.

• Limited Discrimination Coverage (CG-GL-CW-0148): Optional endorsement providing narrow coverage for certain discrimination claims, limited by role (e.g., employee-only), scope, and policy limits.

Premiums for these endorsements are calculated using rating factors and minimums, with coverage parameters clearly defined for each form.