Youth Sports Leagues & Teams Liability Insurance
Basketball, Soccer, Field Hockey, Flag/Touch Football, Tennis, Swimming, Cheerleading, Volleyball, Track, Golf, Cross Country, Ice Skating, Roller Hockey, Bowling, Diving, Water Polo, Badminton, Art, Music, Choir and Student Band|
Previously accident medical insurance coverage for Youth Sports Leagues and Teams was either too restricted, too expensive, or not accessible at all. Managers either went without insurance or were forced to pay out substantial insurance premiums, consequently operating with the danger of being individual exposure to lawsuits or a participant or staff member's injury claim.
However, now a thorough program has been created to particularly cover the innate risks involved for today's Youth Sports Leagues and teams. This Liability Insurance Policy is developed to support or eliminate the monetary and emotional expenses one can incur as a result of injury in today's athletic area.
An Accident Medical Policy With At Least A $10,000.00 Benefit Is Required
The Liability Coverage ($1,000,000.00 Coverage)
Protects you in the event of a lawsuit or property damage
Who Is Covered
This program provides protection for your team, league, coaches and staff members against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurence and $1,000,000 general aggregate (To purchase a $2 million general aggregate limit please increase the liability premium by 5%.) There is no deductible amount.
Coverage Includes Suits Arising Out Of:
Injury or death of participants
Injury or death of spectators
Injury or death of volunteers
Property damage liability
Host liquor liability (non-profit)
Incidental medical malpractice
All activities necessary to conduct of tackle football activities
Ownership use or maintenance of fields or practice areas
General negligence claims
Cost of investigation and defense of claims, even if groundless
Includes coverage of athletic participants.
Additional Insureds such as park districts or stadiums can be added for a minimal charge of $10.00 each.
Exclusions & Ineligible Sports/Activities
Fraudulent or dishonest acts, asbestos liability, assault and battery, punitive or exemplary damages, sexual abuse and molestation, employment related practices, professional liability, total pollution, collapse of temporary structure, fireworks and pyrotechnics, nuclear energy liability, use of saunas, sale/manufacturing/distribution of any athletic equipment and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.
Note: There is no liability coverage for claims arising out of any of the following activities: Gymnastics, Cheerleader Pyramiding, Trampolines or Inflatable Devices, Waterslides, White Water Rafting, Scuba Diving, Bungee Jumping, Rock Climbing, Repelling, Bicycle Tours, Ballooning, Parachuting, Rodeo, Motorsports or any other Saddle Animal Exposures.
Following is the per athlete liability premium rate:
$5.20 Per Athlete (Youth - Age 18 and Under)
$6.50 Per Athlete (Adult - Age 19 and Over)
Minimum premium for less than a year $250 and for an annual policy $300 plus $40.00 processing fee.
Coverage is provided up to $1,000,000 per occurrence and $1,000,000 general aggregate (To purchase a $2 million general aggregate limit please increase the liability premium by 5%.) There is no deductible amount.
Hired and non-owned automobile liability coverage is available for an additional $850.00.
Note: Hired and non-owned automobile liability coverage provides liability protection for rented, borrowed, and other non-owned vehicles driven on league or team business.
Additional liability limits of up to $4,000,000.00 are available.
Please contact us for rates.