There are several reasons to obtain insurance for your team, league or organization. The main reason people purchase 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, the easiest way for for a city, school or private club to avoid liability is to require your team, league or organization to furnish insurance. Usually a facility will 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, league 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. 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 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.
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.
What kind of exposures could I have?
A young batter throwing his/her bat after a hit, ultimately hitting the batter on deck or a player over-running the goal into a spectator.