Sports Insurance and Event Insurance from SportsInsurance.com

Sports Insurance Program

[ General Liability Insurance with (Participant) Accident Medical Coverage ]
Program Description and Details

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.

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.

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:

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:

^† Exact wording may vary per policy.

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:

^† Background checks required.

Owners of premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There is no additional premium charge or fees for certificates of insurance evidencing this coverage.

War, Assault & Battery, Expected or Intended Injury, Asbestos, Punitive Damages, Total Pollution, Fungi or Bacteria, Aircraft, Total Fireworks/Pyrotechnics, Employment Related Practices, Communicable Disease, Collapse of Temporary Structure, Lead, Professional Liability, Use of Trampolines, Cheerleading Pyramids over 2 and ½ persons high, Use of Saunas or Tanning Devices, Inflatable Devices (other than Kiteboarding Kites), Mechanical Rides, Fire Arms, Motor Racing Vehicles, Saddle Animals, Exotic Animals, Comparative Advertising, Thrown Objects/ Persons, Medical Payment for Volunteer workers, Watercraft 51 feet in length and over

* Standard Exclusions Also Apply