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.

Basics

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.

Accident & Medical Participant Protection

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

Excess Coverage

COMMERCIAL GENERAL LIABLITY

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

Coverage Requirements

Minimum Accident Medical coverage required

$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

Waiver & Release System

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.

Optional Additional Coverage(s)

(typically available)

Excess Liability Coverage

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)

Abuse / Molestation Liability Coverage /Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement Coverage

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.

Optionally Available Higher Per Occurrence / Aggregate Limits:

$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)

Hired and Non Owned Auto Liability Coverage

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.

or

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.

Optionally Available Coverage:

 $1,000,000  (Combined Single Limit)

Academics / Non-physical sports

Archery

BMX

Badminton

Baseball

Basketball

Billiards

Bowling

Boxing

Canoeing

Cheerleading 

Cricket

Cross Country

Cycling

Dance

Dodgeball

Fencing

Field Hockey

Figure Skating

Fishing

Football (Flag)

Football (Tackle)

Football (Touch)

Golf

Gymnastics

Handball

Hiking

Ice Skating

Ice-Hockey

In-Line Skating

Kayaking

Kickball

Kiteboarding

Kneeboarding

Lacrosse

Lawn Bowling

Martial Arts

Mixed Martial Arts

Mountain Biking

Mud Runs

Racquetball

Rifle

Roller Derby

Rowing

Rugby

Running

Sailing

Skateboarding

Skiing

Skiing - Cross Country

Skimboarding / Bodyboarding

Snowboarding

Snowshoeing

Soccer

Soccer (Bubble)

Softball

Squash

Stand Up Paddleboarding / SUP

Surfing

Swimming

Tennis

Track

Tree Climbing

Triathlon

Ultimate Disk

Volleyball

Wake Boarding

Wakesurfing

Water Polo

Waterskiing

Weightlifting

Wind Surfing

Wrestling

Yoga