Sports & Recreation
Sports & Recreation
From tennis courts to baseball diamonds, we know the ins and outs of your field.
Accidents can happen anywhere and at any time. Having the right insurance eliminates uncertainties associated with unexpected injuries or mishaps, whether it's practice or play.
We’re a partner that understands the unique needs of your clients, and our in-house underwriting team provides exclusive program options that cover a variety of organizations and activities. We know that a cookie-cutter approach doesn’t meet the needs of some of the unique groups you insure, and our team of experts takes pride in providing customized solutions tailored to fit the type of coverage required.
With underwriting authority in all 50 states and A-rated carrier exclusivity, we deliver custom programs and exclusive distribution relationships that give you a competitive edge.
Eligible accounts
- Youth & Adult Sports
- Camp participants
- Tournaments & events
- Clubs
- Leagues
- Associations
- Non-sports Camps
- Educational camps
- Religious camps
- Day camps
- Overnight camps
- Fitness Franchises
- Barre
- Yoga
- Pilates
Coverage
- Participant accident
- General liability
- Abuse and molestation
- Non-owned hired auto
- Excess liability
Submission requirements
- Sports Application
- Copies of current policies
- 3-5 years of premium and loss history
Sports & recreation program details
Availability
- Available in all states
Minimum premium
- As low as $200
Limits
- $25,000 limit for Accident Medical
- $1 million/2 million aggregate for General Liability
Carrier
- Multiple A-rated carriers (admitted and non-admitted)
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Industry Insight
1. Heat-Related Claims in Youth Sports
According to the National Weather Service, heat is the most frequent climate-related killer in the United States. With average temperatures on the rise throughout the country, student-athlete claims for heat-related injuries have increased each season.
Heat-related injuries can include:
- Heat rashes
- Heat cramps
- Fainting
- Heat exhaustion
- Heatstroke
Ensure your clients and their athletes are protected against any of these injuries with an accident policy. Typically written through a blanket policy, accident insurance covers any sport a school offers and can include coverage for heat-related injuries per a request to your underwriter.
2. Concussion Coverage: Two Important Factors to Keep in Mind
- Don't be fooled by concussion only policies! Did you know that accident policies also cover concussion care? Year over year, concussions have become more
prevalent in the sports industry. Some carriers have created concussion-only accident policies to capitalize on
schools’ fear of these types of claims. However, if a school only purchases a concussion-only policy, they may expose
themselves to every other type of student accident.
- Be aware of casualty carve-outs! Due to the increase in concussions among youth sports, certain carriers have either excluded TBIs (traumatic brain injuries) or placed athletic exclusions on their casualty policies to protect themselves from concussion claims altogether. It is important for retail agents to be aware if these exclusions exist within an insured’s GL policy so their clients can take appropriate steps to stay fully protected.
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