Tackle Football Insurance, Wrestling Insurance, Lacrosse Insurance, & Rugby Insurance
Sports Leagues/Teams General Liability Insurance
Westpoint Insurance provides accident and liability insurance for tackle football, non-tackle football and flag football teams and leagues. We also offer and combination program for football and cheerleading. Please click here for more information on out tackle / non tackle / cheerleading insurance.
Protects you in the event of a lawsuit or property damage. Accident Medical policy with a $25,000 limit is required.
Westpoint Insurance has specifically designed an insurance plan to meet the insurance requirements of youth sports teams, leagues and associations. This youth sports insurance program protects participants and staff against third party bodily injury and property damage claims during supervised activities necessary to your sport.
Football Medical Insurance
Who is covered?
Any kind of legal action is incredibly expensive, even if you are
innocent or a lawsuit is frivolous. This program provides
coverage for participants, coaches, volunteers, staff members,
officers or directors against claims of bodily injury, property
damage, personal and advertising injury liabilities, and the
litigation costs to defend against such claims.
Additional insureds such as park districts, gyms, fields, etc. can be added for a minimal charge of $10 each facility.
General Liability Limits*
| General Aggregate | $ 3,000,000 |
| Products/Completed Operations | $ 1,000,000 |
| Personal & Advertising Injury | $ 1,000,000 |
| Each Occurrence | $ 1,000,000 |
| Fire Damage | $ 100,000 |
| Aggregate Sexual Abuse | $ 25,000/$50,000 |
| Deductible per Claim | $ 500 |
(Increased Liability Limits are available upon request)
Coverage Includes Suits Arising Out Of:
- Injury or death of a participant, staff member, spectator or volunteer
- Property damage liability
- All activities necessary to conduct practices or games
- Ownership, use, or maintenance of fields or practice areas
- General negligence claims
- Cost of investigation and defense of claims, even if the claim is groundless
- Corporate Punishment
- Incidental Medical Malpractice
- Sexual Abuse and Molestation
Release and Waiver Requirement
Each Policyholder must keep on file a current completed and
signed Release and Waiver of Liability/Informed Consent for
each athletic participant prior to the participation in any
Policyholder activity. Policyholders are responsible for
distributing forms to their athletic participants and
maintaining completed forms for simultaneous delivery at the
time of notice of an athletic participant's injury claim. Provided
you have implemented such procedures and you are unable to
secure and provide such "release" despite your best efforts, you
must assume and pay the first $2,500 of each occurrence
(including supplemental payments) resulting in an "athletic
participant" legal liability claims. "Athletic participant" means
players, coaches, managers, stage members, team workers,
officials and volunteers who have been granted proper
authorization to enter any "sponsored events."
Exclusions
You must refer to the policy for complete information on
policy exclusions. Your exclusions include, but are not limited
to: Terrorism, war, asbestos, aircraft, assault and battery,
collapse of temporary structure, owned auto coverage,
employment related practices, fungi and bacteria, hepatitis,
HIV, HTVL, AIDS, transmissible spongiform encephalopathy,
lead poisoning, medical payments, nuclear energy liability,
professional liability, total fireworks & pyrotechnics, total
pollution, 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, velcro jumps, cheerleading pyramids over 2 1/2 persons high, inflatables, luge, mountain climbing, parachuting, parasailing, hang gliding, polo, rock climbing, rodeo or any equestrian-related sports, snow skiing, diving, sale/manufacture or distribution of any athletic equipment, skydiving, SCUBA diving, snow skiing, squash, tobogganing, use of saunas or other tanning devices, water slides, white water rafting ,boating, saddle animal exposures, Tobogganing, Skateboarding, Trampolines (over 46"in diameter), Mechanical Bulls, Paint ball and Saddle Animals.
Wrestling Team Insurance
General Liability Premium Rates
$1,000,000.00 Per Occurrence / $3,000,000.00 Aggregate
Premium Rates: $6.00 per participant.
Minimum Policy Premium - $550.00
The Accident Medical Insurance Plan
Pays the medical bills of an injured participant, staff member, or volunteer.
Who is covered?
All participants of the Policyholder specified in the application
are covered while participating in sponsored and supervised
activities. A member is also covered while traveling, directly
and without interruption, to and from any Policyholder
sponsored activity and his or her home or place of residence.
Accident Medical Expense Benefits
If the Insured Person incurs Covered Expenses as the direct
result of an injury and independent of all other causes, the
Company will pay the charges incurred for such expense in
excess of the Deductible Amount, not to exceed the Maximum
Medical Benefit. The first such expense must be incurred
within 60 days after the date of the accident.
Covered Expenses are charges for medically necessary services or supplies made by a hospital, doctor, ambulance service, laboratory, clinic or pharmacy within one year of the date of the injury, not to exceed the reasonable and customary charges in the area where care is provided.
This plan does not cover treatment or service for which benefits are payable or available under any other insurance or medical service plan available to the Insured Person. Dental Expense due to accidental injury is limited to $250 per tooth/per accident to a maximum of $1,000 policy limit.
Accident Medical Expense Limits
| $ 25,000 | Maximum Medical Benefit |
| $ 10,000 | Accidental Death and Dismemberment Benefit |
| $ 5,000 | Spectator Medical Benefit |
Rugby Medical Plans
Accidental Death & Dismemberment Limit & Benefits
If a covered injury results in any of the losses specified below within one year after the date of the accident, the Company will pay the applicable amount.
| Full Principal Sum for loss of life | $10,000 |
| Full Principal Sum for double dismemberment | $10,000 |
| Principal Sum for loss of one hand, one foot or sight of one eye |
$5,000 |
| Principal Sum for loss of index finger and thumb of same hand |
$2,500 |
If more than one Loss is sustained by an Insured as a result of the same accident, only one amount, the largest, will be paid.
Note: Excess Coverage. This plan does not cover treatment or service for which benefits are payable under any other insurance or medical service payment plan available to the insured.
Exclusions and Limitations
You must refer to the Policy for complete exclusions and
limitations. Your exclusions & limitations include, but are not
limited to, loss resulting from the following:
- Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound.
- The use of drugs or narcotics, unless administered under the advice of a physician.
- War or any act of war, whether or not declared.
- Participation in any riot or civil commotion.
- Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline.
- Suicide or any attempt there at or any self-inflicted injury.
Nor does the Plan cover:
- Service provided by any person or facility employed or retained by the Policyholder or member organization.
- Service provided by any member of the Insured Person's family or household.
- Dental treatment or repair of dental appliances, except as the result of a covered injury.
- Expenses payable under any Workers Compensation Law or similar legislation.
- Injury sustained while riding in or on any two or three wheeled engine driven vehicle.
Program benefits include:
- Easy On-line Interactive Application
- Competitive Rates & Comprehensive Benefits
- 800 Toll-Free Support for Quick Quote Turnaround
- On-line Certificate Request Form
- Continued Claims Support
- "A+ Superior" A.M. Best rated insurance carrier
Lacrosse Insurance
Accidental Medical Premium Rates
Following are the per participant premium rates
Deductible selected must be the same for all age brackets.
Youth Sports Participant Rates:
| AGE GROUP | ||||
| Deductible Amount |
9 & Under | 10-12 | 13-15 | 16-18 |
| $100 | $6.60 | $13.25 | $27.75 | $110.05 |
| $250 | $5.55 | $11.15 | $23.05 | $92.45 |
| $500 | $4.80 | $9.60 | $19.90 | $79.80 |
Minimum Policy Premium: $150.00
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Specializing in Sports Liability and Accident Insurance
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