Make sure you’re covered in case of any accident or liability.
Sports coverage is designed for U.S. based teams, leagues, clubs, associations, camps, clinics, lessons, tournaments and events conducting youth or adult amateur sports activities.
This program includes Participant Liability coverage for the Named Insured, its employees and volunteers and athletic participants. The liability coverage protects against claims of bodily injury, property damage and the litigation costs of defending against such claims. This program also includes Accident and Medical Coverage for participants.
Covered operations include all scheduled, sanctioned, approved, organized and supervised instruction, as well as practices, try-outs, clinics, games, play-offs and tournaments. In addition, coverage extends to include related Non-Athletic Participant Events, such as registrations, meetings, award banquets and ceremonies.
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This insurance program is written on a master policy basis. Each member is named to the master policy on an individual basis with their own liability limits.
Maximum Medical Expense Benefit: $25k, $50k, or $100k (as per request)
Accidental Death & Dismemberment Benefit: $10,000
Deductible Amount per claim: between $250 and $5k (depending on risk assessment)
52 Week Benefit Period
Per Occurrence: $1,000,000
General Aggregate: $3,000,000
Personal & Advertizing Injury: $1,000,000
Products - Completed operations aggregate: $1,000,000
Fire Damage (any one fire): $300,000
Medical Expenses (any one person): $5,000
Includes Athletic Participants
Occurrence Form Policy
$10,000 for: Soccer, Baseball, Softball, Basketball, Cheerleading, Skateboarding, In-Line Skating & Lacrosse & any other sport
$25,000 for: Tackle Football, Hockey, Martial Arts and Rugby
The General Liability policy requires that the insured must maintain a system to regularly secure signed Waiver and Release forms from participants. The Waiver/Liability release forms should meet all current paper and or e-waiver state requirements. For minor participants, these waiver/release forms should be signed by a parent or guardian. Unintentional error on your part in securing Waiver and Release forms will not void your coverage in the event of a claim by a participant; however, your failure to maintain an adequate system to regularly secure Waiver and Release forms will void your coverage in the event of a claim. For your protection we recommend having your waiver prepared /approved by your legal council.
This coverage can be purchased to effectively increase the the General Liability Per Occurrence / General Aggregate Limits, with the following Per Occurrance / General Aggregate Limit options:
$1,000,000 / $1,000,000 (Total Liability Coverage Amount $2M/$4M)
$2,000,000 / $2,000,000 (Total Liability Coverage Amount $3M/$5M)
$3,000,000 / $3,000,000 (Total Liability Coverage Amount $4M/$6M)
$4,000,000 / $4,000,000 (Total Liability Coverage Amount $5M/$7M)
$5,000,000 / $5,000,000 (Total Liability Coverage Amount $6M/$8M)
This endorsement covers the legal cost to defend against the accusation of Abuse or molestation against a member of your organization. Basic Abuse/Molestation coverage of $5,000 Per Occurrence / $10,000 Aggregate is (typically) included in the base General Liability coverage.
$25,000 / $50,000 (Per Occurrence / Aggregate)
$50,000 / $100,000 (Per Occurrence / Aggregate)
$100,000 / $500,000 (Per Occurrence / Aggregate)
$1,000,000 / $1,000,000 †(Per Occurrence / Aggregate) $1,000,000 / $2,000,000 †(Per Occurrence / Aggregate)
Provides coverage against claims of bodily injury or property damage due to an accident resulting from the use of an automobile that is either:
Hired: an "auto" the insured has leased, hired, rented or borrowed. This does not include any "auto" the insured has leased, hired, rented or borrowed from any of the insured's "employees", partners (if the insured is a partnership), members (if the insured is a limited liability company) or members of their households.
Non-owned: an "auto" the insured does not own, lease, rent or borrow that is used in connection with the insured's business. This includes "autos" owned by the insured's "employees", partners (if the insured is a partnership), members (if the insured is a limited liability company) or members of their households but only while used in the insured's business or personal affairs.
$1,000,000 (Combined Single Limit)
We cover all sports and activities.
Academics / Non-physical sports
Mixed Martial Arts
Skiing - Cross Country
Skimboarding / Bodyboarding
Stand Up Paddleboarding / SUP