Amateur Sports Association Insurance
The Amateur Sports Association insurance program of Westpoint Insurance Group is dedicated to providing customized insurance programs for youth and adult sports activities for your athletes, officials, spectators and administrators. Amateur sports plans are unique in their exposure and using experienced sports insurance agents to develop your program is critical to its success.
Our experience ranges from weekend recreational leagues to national organizations offering a wide variety of sports. Westpoint will look closely at your group and help you determine what benefits and cost options would best fit your needs, while making sure all aspects of the organization’s offer is well thought out for its members. We’ll review the best way to reach your members – direct mail, phone, an interactive web site or a combination of marketing methods.
Upon effectively enrolling your members, we can offer administrative services to collect premium, issue policies, certificates and plan changes for the members. Our agency management system will break down premium distribution and do a seamless payment method to all parties involved. Claims service will be monitored through a dedicated claims administrator that includes understanding, compassion and speed through a sophisticated claims processing system. Our objective is to create an atmosphere of ease for your members by providing the highest level of customer service.
Eligible Operations for Amateur Sports Association Insurance
Include but not limited to:
- Basketball team, league and association insurance
- Baseball team, league and association insurance
- Cheerleading team, league and association insurance
- Coaches association insurance
- Football team, league and association insurance
- Gymnastic team, league and association insurance
- Hockey team, league and association insurance
- Lacrosse team, league and association insurance
- Officials association insurance
- Soccer team, league and association insurance
- Softball team, league and association insurance
- Swimming team, league and association insurance
- Volleyball team, league and association insurance
What is covered
The general liability policy provides coverage for claims or lawsuits that arise out of bodily injury or property damage during a covered activity. The policy also provides coverage for claims arising out of participant’s legal liability, personal injury, advertising injury and products or completed operations liability. Defense costs are included in the limit of coverage provided. This coverage is excess over any other valid and collectible insurance. Exclusions are noted in the policy, but the policy excludes War, Nuclear Energy, Absolute Pollution, Asbestos; in addition, the policy excludes coverage for abuse and molestation, the use of fireworks, parades and no liability coverage is provided to any member while driving any auto.
The accident medical policy is your first line of defense, paying claims for accidental injuries incurred during play, practice, training or travel directly to and from covered events. This policy is excess over any other valid and collectible insurance in force at the time of claim. Exclusions are noted in the policy, but the policy excludes: Service or treatment rendered by a doctor or any other person employed or retained by the Policyholder; Eyeglasses or contact lenses or prescriptions; Hernia unless it results from a covered injury; Injury covered by worker’s compensation or similar legislation, or automobile no-fault law; Any sickness or bodily sickness; Air travel, except on a commercial aircraft operating on a regularly scheduled passenger route; or Injury received as a consequence of the injured party’s intoxication (alcohol or drug related), as defined by the laws of the jurisdiction where the loss occurred.
Additional Coverages Available
- Directors and Officers Liability
- Inland Marine (Property)
- Commercial Auto
- Dishonesty Bonds
- Excess Liability
- Excess Accident Medical (Participant Accident)
Common Exposures Associated with Associations:
- Fund-raisers, bucket drops, candy sales
- Games, exhibitions, tournaments
- Food, souvenir & beverage,
- Tryouts, practices, skills training
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Placement of coverage and selection of insurer is determined after analysis of risk. All companies are rated “A” (Excellent) or better by A.M. Best’s rating service.