Subd. 2.Limitation.Subdivision 1 does not apply:
(1) to the extent that the acts or omissions are covered under an insurance policy issued to the entity for whom the coach, manager, official, physician, or certified athletic trainer serves;(2) if the individual acts in a willful and wanton or reckless manner in providing the services or assistance;(3) if the acts or omissions arise out of the operation, maintenance, or use of a motor vehicle;(4) to an athletic coach, manager, or official who provides services or assistance as part of a public or private educational institution's athletic program;(5) to a public or private educational institution for which a physician or certified athletic trainer provides services; or(6) if the individual acts in violation of federal, state, or local law.The limitation in clause (1) constitutes a waiver of the defense of immunity to the extent of the liability stated in the policy, but has no effect on the liability of the individual beyond the coverage provided. The limitation in clause (5) does not affect the limitations on liability of a public educational institution under section 3.736 or chapter 466.