Covered Activities Under Sports General Liability Policies

General Liability policies for sports and recreation organizations should cover the following activities that are supervised by adults and sanctioned by the sports organization:

  • Tryouts
  • Games
  • Practices
  • Tournament
  • Non-sport Outing

It is critical that coverage is included for non-sport outings such as swimming parties, backyard cookouts, trips to restaurants, etc.  Some of the most serious injuries and largest lawsuits that I have witnessed over the past 20 years have come from non-sport outings – particularly swimming parties.

Some General Liability policies that are deficient may restrict coverage to owned and leased premises that are scheduled on the policy.  This could be a big problem if the sports organization has travel teams or if non-sporting outings occur away from the premises.

Some General Liability policies include endorsements that restrict coverage to the time periods when officially sanctioned events take place.  This is a big problem if a sports organization owns its field or facility or is responsible under the terms of a lease on a 24/7 basis.