Sports Accident Insurance Deductibles

Understand your choices

Accident insurance deductibles for sports and recreation organizations commonly range from $0 to $500 per claim.

Accident Deductibles can result in significant premium savings.  For example, going from a $0 to $100 deductible may result in a 20% discount on many Accident policies.

Reasonable deductibles on Accident policies can be beneficial to sports organizations. However, it should be explained to participants and/or parents that they are responsible for paying the deductible out of their pocket.

There are two types of common Accident deductibles under an Excess Accident policy: corridor and disappearing.  A corridor deductible applies even if existing family health insurance has made payments on a primary basis.  On the other hand, a disappearing deductible is satisfied to the extent that existing family health insurance has made payments.