Sport Injury Insurance

Determining what type of sports insurance you’ll need, whether individual or team, will be the first step. To protect your participants, staff, volunteers, and organization from lawsuits arising from property damage to bodily injuries, a sports organization can purchase three different insurance policies. Not all policies are the same and some may not offer the proper protection.

Accident:

Sports injury insurance provides your organization’s participants and volunteers reimbursement for medical bills incurred as the result of a covered injury during competition, practice, or traveling to the event.

Accident coverage can be written on excess or primary bases. Excess sports injury insurance coverage means the policy is secondary to an injured party’s primary health insurance. The policy will not cover primary insurance deductibles, co-pays, program limits, or out-of-network care. If the injured party does not have primary care, excess sports injury insurance coverage becomes primary. Primary accident coverage would pay claims first, regardless of primary care. Expenses payable under any Worker’s Compensation Law or similar legislation are excluded. Please verify with the domicile state’s employee laws and regulations.

Participant Liability:

Covers lawsuits alleging a spectator or participant has suffered bodily injury or property damage due to the negligence of your organization. Sports injury insurance policy pays for your defense and pays for costs of settlement or jury verdict. Lawsuits are filed every day for injuries that occur at games/practices and during off-premises non-sport activities. Even if you prove that you were not negligent, you must defend yourself in court. Without participant liability coverage, your organization would incur all these costs out of pocket. Certain exclusions apply and need to be verified before accepting the policy.

Spectator / Premise Liability:

Coverage would only pay to defend your organization from lawsuits arising from spectator slips and falls or property damage done to the facility while under your organization’s control. Claims by athletic participants are excluded under this policy. Certain exclusions apply and need to be verified before accepting the policy.

When making a decision on individual, team, or other sports insurance,agents are more than happy to explain what type of coverage is recommended by The Camp Team. The more you know before your event will just help your event run smoothly and keep your mind at ease.