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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
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

Release and Waiver Requirement
Each Policyholder must keep on file a current completed and signed Release and Waiver of Liability/Informed Consent foreach 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."

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
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
Full Principal Sum for double dismemberment
Principal Sum for loss of one hand, one foot or
sight of one eye
Principal Sum for loss of index finger and
thumb of same hand

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      
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