| Basketball, Soccer, Field Hockey, Flag/Touch Football, Tennis, Swimming, Cheerleading, Volleyball, Track, Golf, Cross Country, Speed Skating, Weightlifting, Rowing, Bowling and Badminton Liability Insurance Coverage.
In the past, liability coverage for sports was either too costly, too limited, or not available at all. Individuals were either forced to pay extremely high insurance premiums or to run programs without proper insurance protection, therefore running the risk of personal exposure to lawsuits or a participant's injury claim.
However, now a comprehensive program has been developed to specifically cover the inherent risks involved in running a sports league or team. This Liability Insurance Program is designed to help eliminate the financial and emotional burden one can incur as a result of a lawsuit or participant injury claim.
An Accident Medical Policy With At Least A $10,000.00 Benefit Is Required
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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 $1,000,000.00 per occurrence with a general aggregate amount of $2,000,000.00. 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
Exclusions
Abuse or molestation, aircraft, all acts of terrorism, asbestos liability, assault and battery, collapse of temporary structure, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, professional liability, pyrotechnics activity, total pollution, war liability 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: All motor sports, ballooning, bungee jumping, cheerleading pyramids, gymnastics, inflatables, luge, mountain climbing, parachuting, polo, rock climbing, rodeo or any equestrian related sports, sale/manufacture or distribution of any athletic equipment, skin diving, SCUBA diving, snow skiing, squash, tobogganing, use of saunas or other tanning devices, use of trampolines, water slides, white water rafting or any saddle animal exposures.
The optional hired and non-owned automobile liability coverage is not available in Illinois, Louisiana or Vermont.
Premium Rates
Following is the per athlete liability premium rate:
$5.50 Per Athlete (Adult - Age 19 and Over)
The minimum premium is $300.00 for annual policies and $250.00 for policies with less than an annual policy term.
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.
This is a summary of coverage and exclusions and is no substitute for reading the entire policy. To receive an entire policy, contact the program administrator.
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