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Amateur Sports Insurance

       

 

Why do I need sports team and league insurance?    
 
There are several reasons to obtain amatuer sports insurance for your team, league or organization. 

The main reason people purchase amatuer sports insurance is because the city park, school or field you use will require a certificate of insurance naming them as an additional insured.  While it may seem like a frustrating process,  why wouldn’t a city park want its residents to enjoy the amenities. 

The fact is, they do, but at the same time, the last thing they need or want is to have any additional risk or exposure.  The easiest way for them to avoid that is to require your team, league or organization to furnish amatuer sports insurance.  Usually they require a $1,000,000 general liability policy naming them as additional insured.  This insurance will protect them for any property damage you may cause to their facility or any bodily injury caused to another patron of the park.  By transferring the liability exposure to you and your organization the city or school can rest a bit easier.


In addition to the needs of the venue you are using, most teams, leagues and organizations are created out of a passion for the sport, not necessarily a financial gain.  Whether it is a group of friends joining a basketball, soccer, or softball league;  or a more structured league sport like AYSO, Little league, etc.  These teams and leagues are usually championed by a passionate local individual or individuals who just want to see people enjoy the sport. 

Unfortunately with this passion comes an exposure that most volunteers don’t realize they sign on for.  Accidents and injuries can turn a goois designed to day into a bad one in a matter of moments.  Whether it is a young batter throwing his/her bat after a hit and the batter striking the individual on deck or a player over running the goal into a spectator.  There are any number of things that can cause an individual or their family to file a claim against you, your organization or team. 

Our team is standing by ready to assist you with any questions at 888-588-9413.

 

How can you protect yourself?

While you can’t stop someone from filing a claim, what you can do is be prepared for that event, just as you would carry homeowner’s insurance or auto insurance.*

The top 3 insurance coverage’s you should carry as a team, league or organization may include:


1.    Directors and Officers coverage – This insurance protection is designed to protect you and the other passionate people who have decided to champion the cause.  As a director or an officer you should be prepared for any unforeseen events that will not be covered by your homeowners policy, and most likely not covered under a business policy of a company you represent or own. 

This coverage however, is specific to you and your other Directors and Officers for claims that may be made from discrimination, harassment, etc.  As always you should compare coverage’s that suit your specific needs, but Directors and Officers, usually is considered an insurance policy that fits, when other insurance coverage does not.

2.    General Liability – This coverage offers protection from claims that arise out of bodily injury or property damage of a third party.  In the case of teams, league and organizations, almost every instance could involve a third party.


3.    Accidental Death & Dismemberment -  this coverage is afforded specifically for the accidental injury of the teams participants, while this coverage doesn’t give you 100% piece of mind against personal litigation and gross negligence, it is designed to provide insurance protection for the participants while engaging in the teams event.

 

Our team is standing by ready to assist you with any questions at 888-588-9413.

 


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