Basketball, Soccer, Field Hockey, Flag/Touch Football, Tennis, Swimming, Cheerleading, Volleyball, Track, Golf, Cross Country, Ice Skating, Roller Hockey, Bowling, Diving, Water Polo, Badminton, Art, Music, Choir and Student Band Liability Insurance Coverage.

In the past, liability coverage for sports was either too costly, too limited, or not available at all. Individuals were either forced to pay extremely high insurance premiums or to run programs without proper insurance protection, therefore running the risk of personal exposure to lawsuits or a participant's injury claim.

However, now a comprehensive program has been developed to specifically cover the inherent risks involved in running a sports league or team. This Liability Insurance Program is designed to help eliminate the financial and emotional burden one can incur as a result of a lawsuit or participant injury claim.

The Liability Coverage ($1,000,000.00 Coverage)
Protects you in the event of a lawsuit or property damage

Who Is Covered
This program provides protection for your team, league, coaches and staff members against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurence and $1,000,000 general aggregate (To purchase a $2 million general aggregate limit please increase the liability premium by 5%.) There is no deductible amount.

Coverage Includes Suits Arising Out Of:

• Injury or death of participants
• Injury or death of spectators
• Injury or death of volunteers
• Property damage liability
• Host liquor liability (non-profit)
• Incidental medical malpractice
• All activities necessary to conduct of tackle football activities
• Ownership use or maintenance of fields or practice areas
• General negligence claims
• Cost of investigation and defense of claims, even if groundless

Includes coverage of athletic participants.
Additional Insureds such as park districts or stadiums can be added for a minimal charge of $10.00 each.

Exclusions & Ineligible Sports/Activities
Fraudulent or dishonest acts, asbestos liability, assault and battery, punitive or exemplary damages, sexual abuse and molestation, employment related practices, professional liability, total pollution, collapse of temporary structure, fireworks and pyrotechnics, nuclear energy liability, use of saunas, sale/manufacturing/distribution of any athletic equipment 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: Gymnastics, Cheerleader Pyramiding, Trampolines or Inflatable Devices, Waterslides, White Water Rafting, Scuba Diving, Bungee Jumping, Rock Climbing, Repelling, Bicycle Tours, Ballooning, Parachuting, Rodeo, Motorsports or any other Saddle Animal Exposures.

Premium Rates
Following is the per athlete liability premium rate:

$4.20 Per Athlete (Youth - Age 18 and Under)
$5.50 Per Athlete (Adult - Age 19 and Over)
Minimum premium for less than a year $250 and for an annual policy $300.

Coverage is provided up to $1,000,000 per occurence and $1,000,000 general aggregate (To purchase a $2 million general aggregate limit please increase the liability premium by 5%.) There is no deductible amount.

Hired and non-owned automobile liability coverage is available for an additional $850.00..

Note: Hired and non-owned automobile liability coverage provides liability protection for rented, borrowed, and other non-owned vehicles driven on league or team business.

Additional liability limits of up to $4,000,000.00 are available. Please contact us for rates.