Sports Participant Coverage
Ski/Snowboard Coverage
Special Event Coverage
Facilities Coverage
SPORTS
This 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.
TYPICAL / STANDARD Policy Coverage(s), Limits and Requirements:
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 Liability
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.
| Per Occurrence | $1,000,000 |
| General Aggregate | $3,000,000 |
| Personal & Advertising 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
Eligible Sports Activities
- Academics / Nonphysical sports
- Aerobics
- Archery
- BMX
- Backpacking
- Badminton
- Ballet
- Ballroom Dancing
- Band/Music -Schools & Lessons
- Baseball
- Basketball
- Billiards
- Bird Watching
- Bowling
- Boxing
- Canoeing
- Cheerleading
- Conditioning/Training/
Personal Trainers (non-facility) - Cricket
- Cross Country
- CrossFit demonstrations or competitions
- Cycling
- Cyclo-cross
- Dance
- Darts
- Disc Golf
- Dodgeball
- Ethnic Dancing / Folk Dancing
- Fencing
- Field Hockey
- Figure Skating
- Fishing
- Fitness Classes
- Football – Flag
- Football – Tackle
- Football – Touch
- Futsal
- Golf
- Gymnastics
- Handball
- Hiking
- Hockey – Ball
- Hockey – Floor
- Hockey – Ice
- Hockey – Pond
- Hockey – Roller
- Horseshoes
- Ice Skating
- In-Line Skating
- Kayaking
- Kickball
- Kiteboarding
- Kneeboarding
- Lacrosse
- Lawn Bowling
- Martial Arts –
other than Mixed Martial Arts - Mixed Martial Arts
- Mountain Biking –
Recreational, XC, Trail riding, Enduro - Mud Runs
- Music/Band – Schools & Lessons
- Nature Viewing
- Nordic Skiing
- Pickleball
- Racquetball
- Rhythmic Gymnastics
- Rifle
- Roller Skiing
- Rowing
- Rugby
- Running
- Sailing
- Shuffle Board
- Skateboarding
- Ski Jumping
- Skiing
- Skiing – Cross Country
- Skimboarding / Bodyboarding
- Snorkeling
- Snowboarding
- Snowshoeing
- Soccer
- Softball
- Speed Skating
- Squash
- Stand Up Paddleboarding (SUP)
- Strength & Conditioning
- Surfing
- Swimming – Open water
- Swimming – Other than Open water
- Synchronized Swimming
- Tennis
- Track
- Tree Climbing
- Triathlon
- Ultimate Disk
- Video Gaming
- Volleyball
- Wake Boarding
- Wakeskating
- Wakesurfing
- Water Polo
- Waterskiing
- Weightlifting
- Wildlife Viewing
- Wind Surfing
- Wrestling
- Yoga
- Zumba
Ineligible Sports Activities
- Adult Tackle Football
- Aerial Yoga
- Bounce Houses and other inflatables
- Bungee Jumping
- Equestrian activities / animal riding
- Equestrian sports
- Exotic Animals
- Firearms
- Gun Shows
- Hang Gliding
- Hot Air Balloon Rides
- Hunting
- Luge
- Mechanical Rides
- Motorized Sporting Events
- Motorized vehicle racing
- Mountain Biking –
Downhill, Slopestyle, Freeride, Racing - Parachutes
- Parasailing
- Polo
- Professional Sporting Activities
- Rides and Games
- Rock Climbing
- Rock Climbing Walls
- Rodeos or Roping Events
- Scuba Diving
- Sky Diving
- Sunbeds / tanning equipment
- Tobogganing
- Tractor Pulls & Monster Truck Events
- Trampolines
- White Water Rafting
EVENTS
This program provides General Liability coverage protection for all Spectators of the Policyholder, against claims of bodily injury, property damage and the litigation costs to defend against such claims.
Coverage includes suits arising out of:
- Injury or death of spectators
- Property damage liability
- Incidental medical malpractice
- All activities necessary to conduct of practices and games
- Ownership use or maintenance of fields or practice areas
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
Eligible Sports Activities
- Baseball Games and Events – Amateur
- Bicycling Event – No Racing / Off-road
- Boxing, Wrestling, Hockey and Football Games – Amateur
- Fishing Events
- Golf Tournament – Daytime
- Ice Skating Shows
- Karate Meets
- Marathons (Walking and Running) – attendance 500 and under
- Pool/Billards Tournaments
- Rugby Games/Events
- Soccer Games/Events
- Sporting Events – Non-Professional and Indoors
- Volleyball Games – Amateur
- Basketball Games and Events – Amateur
- Bowling Tournaments
- Cheerleading Events/Competitions – No Pyramids
- Golf Events – Non Professional
- Gymnastic Competitions
- Junior Athletic Games
- Lacrosse Games/Events
- Marathons (Walking and Running) – attendance over 500
- Rodeo and Roping Events – Amateur
- Ski Event – Non-Professional
- Softball Games/Events
- Tennis Tournament
- and More…
Typical/Standard Program Limits:
| Per Occurrence | $1,000,000 |
| General Aggregate | $2,000,000 |
| Personal & Advertising Injury | $1,000,000 |
| Products – Completed operations aggregate | $1,000,000 |
| Fire Damage (any one fire) | $100,000 |
| Medical Expenses (any one person) | $5,000 |
| Includes Athletic Participants | |
| † $1,000,000 Limit available |
FACILITIES
Sports Complex / Facility Coverage
General Liability Coverage including participant coverage, with optionally available building and property / equipment coverage.