Covering schools, sports and special events since 1985, Special Markets Insurance Consultants' (SMIC) Accident Medical products protect participants during organized athletic, leisure and recreational activities. Individuals are covered while participating in the insured organization’s activities and traveling to, during or after such activities as a member of a group in transportation furnished or arranged by the policyholder.
General Liability coverage afforded by this program provides protection to the Named Insured for Bodily Injury and Property Damage claims arising from the inherent risks involved in operating athletic, leisure and recreational activities. Participant Liability coverage is included. This important coverage protects the Named Insured against claims brought by third parties and participants of the insured activities.