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AGENTS & BROKERS ONLY |
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Other Sports & Recreation Insurance Programs |
Covered Activities Under Sports General Liability PoliciesGeneral Liability policies for sports and recreation organizations should cover the following activities that are adult supervised and sanctioned by the sports organization:
It is critical that coverage is included for non sport outings such as swimming parties, backyard cookouts, restaurant and ice cream celebration trips, 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.
Source: John Sadler
Copyright 2004-2009, Sadler and Company, Inc. All Rights Reserved
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