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AGENTS & BROKERS ONLY |
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Other Sports & Recreation Insurance Programs |
Background Check Vendor: ProtectYouthSports.comI was just introduced to ProtectYouthSports.com since they are the endorsed criminal background check vendor of our insurance client, National Alliance For Youth Sports (NAYS). ProtectYouthSports.com has some unique features as well as training videos that you should check out. ProtectYouthSports.com A good track record counts for a lot, and as you may know, Protect Youth Sports has established a very firm and reputable standing within the youth sports market for background screening. Benefiting from this very much proven history could not be any simpler, as over 5,000 organizations have found before. Many of the problems that youth sports leagues encounter with background checks are caused by low quality instant checks and state-level-only background checks. Instant checks and state-level-only checks lead to missed records, incomplete records, out-of-date records and inadequate protection from sexual predators. New and Enhanced Techniques Included in the Latest Version of the “Re-Verified” National Background Check from Protect Youth Sports “True” 50 State Sex Offender Search, National Criminal Database (over 400 million records), Free Alias Name Search, No False Positives or Incomplete Records, 100% Industry Compliance Guaranteed · Free Video Course – backgrounds checks and streamlining the screening process · No Signup Fees – when you are a qualified youth sports organization · NAYS Discounts – up to 20% off on already discounted packages Nothing could be easier than getting started with Protect Youth Sports.Start by requesting your Free Video Course at www.protectyouthsports.com or call (877) 319-5587. Sports Insurance For Sexual Abuse and MolestationPart Two
Insurance carriers that write General Liability insurance for sports and recreation organizations take two approaches to covering lawsuits alleging sexual abuse and molestation. Some carriers’ policy forms remain silent on the issue of coverage under the theory that it is covered if it is not excluded. This is usually true; however, some state case law may reach a contrary conclusion. However, most policy forms provide an affirmative grant of coverage for sexual abuse and molestation via a special endorsement.
For example, many carriers provide an endorsement that provides sex abuse and molestation coverage in the amount of $1,000,000 Each Occurrence and $1,000,000 Aggregate. Furthermore, the endorsement will usually include a laundry list of exclusions such as for the perpetrator himself, for remaining passive after an incident has come to the attention of management, etc.
Some policy forms may void sexual abuse and molestation coverage if the sports organization has not implemented a written procedure requiring a background check on all staff with access to youth.
In the event that a policyholder is a larger state, regional, or national organization with its own custom program, it needs to be verified whether the Sex Abuse and Molestation Aggregate applies to the entire program or separately to each individual named insured such as a league or club. Obviously, it is best if the Aggregate applies separately to each league or club.
Source: John Sadler
Copyright 2004-2009, Sadler and Company, Inc. All Rights Reserved
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Sadler & Company, Inc.
P.O. Box 5866
Columbia, SC 29250-5866
Phone: (800)622-7370 Fax: (803)256-4017
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