Accident medical coverage is for medical expenses incurred as a result of an injury while participating in an insured activity. Typically written on an excess basis over any other collectible medical insurance, the coverage responds only to injuries sustained while that person is participating in the covered activity. Workers compensation may apply to staff member injuries depending on laws in the state of the insured activity. Liability coverage provides protection for coaches, volunteers, officers, directors, teams, associations or leagues against claims of bodily injury, property damage, personal and advertising injury and the litigation costs to defend against such claims. Legal liability to participants typically refers to persons while participating in athletic or sports activity. The coverage responds to and defends the policyholder in a suit being made against the policyholder, by a participant involved in an athletic or sports related activity in which the policyholder controls, promotes or sponsors.
Purchasing youth sports insurance is a step forward in creating a safe environment and is the responsibility of the organizer. Building a risk management plan, first aid/emergency care, and proper insurance planning are all areas of great importance when organizing athletic activities. Youth sports insurance policies cover camps, leagues, tournaments, associations, and athletic facilities. These policies address proper insurance needed to eliminate organizations exposure to injuries and other litigation. It’s also recommended organizers utilize checklists, consent forms, waivers and learn what negligence truly is, and how to avoid being held liable for it and what action to take in the event of being named in a lawsuit.