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Youth Sports Insurance

Accident Medical and General Liability Insurance

Programs Include:

CLASS I
Archery, Badminton, Bowling, Cross Country, Golf, Handball, Rowing, Swimming, Tennis, Track

CLASS II
Basketball, Volleyball, Cheerleading, Baton Twirling, Pom/Dance 

CLASS III
Field Hockey, Flag/Touch Football, Gymnastics, Soccer, Weightlifting, Wrestling

CLASS IV
Ice Hockey, In line skating, Lacrosse, Polo, Rugby

CLASS V
 Tackle Football

**A separate program is available for Adult Sports.  Contact Us for more information.

In the past, Accident Medical and General Liability insurance for sports teams, leagues and/or associations was either too expensive, too limited, or not available at all. Individuals were either forced to pay extremely high insurance premiums or run sports venues without proper insurance protection, running the risk of personal exposure to lawsuits for a participant or staff member's injury claim.

 

To cover the risk associated with running a sports team, a comprehensive program has been developed to specifically cover the risks involved for today's sports teams and leagues. These programs are designed to help eliminate the financial and emotional burden one can incur as a result of accidental injury as a result of athletic participation in sports venues.

The Accident Medical Plan

Pays the medical bills of an injured participant or staff member.

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 Coverage:

$ 10,000 Accidental Death & Dismemberment
$ 25,000 Accident Medical Maximum
$   5,000 Accident Medical Maximum for Spectators

Medical Expense Benefit
If the Insured Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 52 weeks, beginning on the date of the accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefits, subject to the applicable deductible amount (if any). The first such expense must be incurred within 60 days after the date of the accident. “Eligible expense” means charges for medically necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

Accidental Death and Dismemberment 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 Principle Sum for the loss of life.
  • Full Principle Sum for the double dismemberment.
  • 50% of the Principle Sum for loss of one hand, one foot or sight of one eye.
  • 25% of the Principle Sum for loss of index finger and thumb of same hand.

If the Principle Sum is payable, no indemnity will be paid for dismemberment. In any event, the double dismemberment indemnity is the maximum amount payable under this Benefit for all losses resulting from one accident.

Excess Coverage
This plan does not cover treatment or service for which benefits are payable under any other insurance or medical plan available to the insured.

Exclusions and Limitations
This plan does not cover any loss to or resulting from 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 thereat 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, except as the result of a covered injury. The repair or replacement of any artificial dental restoration. Exam for, prescription for, or the purchase of eyeglasses or contact lenses or hearing aids. 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.

Note: Certain of these exclusions or limitations may be modified to meet individual state requirements. All of the above are subject to the terms and conditions of the policy.  Please read the master policy for complete details.

A separate program is available for Adult Sports.  Go to "request a quote" for more information.

The General Liability Plan

(A minimum $25,000 accident medical policy must be purchased before the General Liability Policy can be issued.)

Protects you in the event of a lawsuit or property damage.

Who is covered?
This program provides protection for your team, squad, league, association, coaches and staff members against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims.

General Liability Coverage Limits
$1,000,000 per Occurrence / $3,000,000 Aggregate
(Increased Liability Limits are available upon request)

Coverage Includes Suits Arising Out Of:

  • Injury or death of athletic participants
  • Injury or death of spectators & volunteers
  • Property damage liability
  • Incidental medical malpractice
  • Sexual Abuse & Molestation - (see policy for limits)
  • All activities necessary to conduct cheerleading activities
  • Ownership use or maintenance of fields or practice areas
  • General negligence claims
  • Cost of investigation and defense of claims, even if groundless.

Exclusions and Ineligible Sports/Activities
Fraudulent or dishonest acts, asbestos liability, assault and battery, employment related practices, professional liability, total pollution, collapse of temporary structure, fireworks and pyrotechnics, nuclear energy liability, use of saunas, fungus and mold, sale/manufacturing/ distribution of any athletic equipment and liability for occurrences prior to the effective date of coverage.

Note: There is no liability coverage for claims arising out of any of the following activities: Cheerleading Pyramiding over 2 1/2 men high, Inflatable Devices,Watersides,WhiteWater Rafting, Scuba Diving, Bungee Jumping, Rock Climbing, Repelling, Bicycle Tours, Ballooning, Parachuting, Hang Gliding, Parasailing, Tobogganing, Luge, Skateboarding, Trampolines (over 46” in diameter), Mechanical Bulls, Velcro Jumps, Paint ball, Race Track Risk, Boating, Rodeo, Motor sports, and Saddle Animal Exposures.

This overview is meant to give you a general description of policy benefits, limits and exclusions.  It is not substitute for reading the entire Policy.  All of the above are subject to the terms and conditions of the Policy.