Agents Camps & Clinics

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Sports camp and clinic program designed specifically for the U.S. based camps and clinics that are held on premises that are not owned or maintained by the sport camp operator.

If your organization has multi-operations (ex: camps, tournaments & individual instruction, etc.) OR you own the facility where the activities will be held, please visit our Multi-Sport / Multi-Operation page in order to obtain a quote that may better serve your needs.


Limits and Premiums

CLASS 1 SPORTS
Baseball Strength & Conditioning Running (5k or 10k) Ultimate Frisbee
Basketball Softball Water Polo Inline Skating (speed/racing)
Drill Team Squash Tennis Wiffleball
Golf Swimming Volleyball
Track & Field (excluding Javelin & Hammer)
Tumbling (floor only, no gymnastic apparatus)
 CLASS 2 SPORTS
Cheerleading Lacrosse Water Hockey Inline Hockey
Gymnastics Deck/Field/Street Hockey Soccer Roller Hockey (quad)
Ice Hockey Floor Hockey Wrestling Football
NOTE: The same limit option must be used for all camps. If multiple sports are in a single camp, then the highest sport class applies. (Example: If a policy has baseball (Class 1) and Cheerleading-Youth (Class 2) you must use the Class 2 rate for all participants.
OPTION 1: ($240 MINIMUM PREMIUM APPLIES)
$1,000,000 General Liability (Each Occurrence)
$1,000,000 Legal Liability to Participants (see print brochure for LLP limitations)
$25,000 Medical Payments for Participants ($100 deductible) (Excess)
$1,000 Medical Expense Reimbursements for Participants
$1,000,000 Professional Liability
Camp/Clinic (Class 1 Sports)
Rate
Per Participant/Per Daily Session $1.33
Per Participant/Per Weekly Session $4.00
Per Participant/Overnight Camps $5.32
Camp/Clinic (Class 2 Sports) Rate
Per Participant/Per Daily Session: $1.47
Per Participant/Per Weekly Session $4.42
Per Participant/Overnight Camps $5.87
Use the weekly rate if the camp/clinic session is 3 to 7 consecutive days.
A camp brochure is required for each camp.
OPTION 2: ($360 MINIMUM PREMIUM APPLIES)
$2,000,000 General Liability (Each Occurrence)
$1,000,000 Legal Liability to Participants (*see print brochure for LLP limitations)
$250,000 Medical Payments for Participants ($100 deductible) (Excess)
$1,000 Medical Expense Reimbursements for Participants
$2,000,000 Professional Liability
Camp/Clinic (Class 1 Sports) Rate
Per Participant/Per Daily Session $1.82
Per Participant/Per Weekly Session $5.54
Per Participant/Overnight Camps $7.35
Camp/Clinic (Class 2 Sports) Rate
Per Participant/Per Daily Session $2.02
Per Participant/Per Weekly Session $6.16
Per Participant/Overnight Camps $8.17
Use the weekly rate if the camp/clinic session is 3 to 7 consecutive days.
A camp brochure is required for each camp.
Please see printed application for a detailed list of eligible and ineligible sports and activities.
Rates are available 3-1-2016 to 2-28-2017. Higher limits are available through online application.

Recruiting Camps, Showcases or Combines are not eligible under this program. Please see our Amateur Sports Tournaments & Events for coverage.

Note to Current Customers: If you have purchased a camp policy within the past year, you will need to add new camp dates in lieu of applying online. If you are unsure, please email us at camps@sadlersports.com or give us a call at 800-622-7370 so we can provide you with the correct form.

Agent Teams & Leagues (NSLPA)

Posted | Filed under Uncategorized

Coverages and rates are available for applications received between March 1, 2016 to February 28, 2017.

The commissions are 10% on the Medical Payments For Participants/General Liability, and 5% on the Optional Coverages.

General Liability & Medical Expense

OPTION 1:  $1,000,000 General Liability with $25,000 Medical Payments
Rates Are Per Player Per Sport Per Year  ($300 Minimum Premium)

Class B Sports (Low Risk Brain Injury Sports) Ages 12& Under Ages13- 15 Ages16-19 Ages 20 & Over
Baseball $6.11 $10.03 $15.87 $28.81
T-Ball $6.11 N/A N/A N/A
Disabled Sports $5.89 $7.00 $14.39 $19.31
Softball $5.79 $6.88 $15.87 $28.81
Basketball, Racquetball, Ultimate Frisbee, Flag & touch football, team handball $5.89 $7.00 $14.39 $19.31
Water Polo $7.17 $8.20 $9.86 Class A $3.57
Drill/Dance Team $6.26 $7.54 $16.12 N/A
Cricket/Curling/Squash $5.76 $9.14 $14.18 $25.33
Baton twirling, Golf, Frisbee, Kickball, Swimming, Tennis, Track & Field, Pickleball $5.62 $5.62 $5.62 $5.62
Volleyball/Archery $5.95 $5.95 $5.95 $5.95
Umpire & referee associations for the above Low Risk Brain Injury Sports $8.45 $8.45 $8.45 $8.45
Class C Sports (High Risk Brain Injury Sports)
Ages 12& Under Ages13- 15 Ages16-19 Ages 20 & Over
Deck/floor/field/street hockey, Roller Hockey (quad) $6.60 $7.71 $15.10 $20.02
Cheerleading $6.97 $8.25 $16.83 N/A
Lacrosse, Water Hockey $7.88 $8.91 $10.57 Class A
Soccer $8.45 $9.65 $11.58 N/A
Tackle and Contact Football $22.91 $40.04 $53.28 N/A
Wrestling $16.94 $16.94 $16.94 Class A
Umpire & referee associations for the above High Risk Brain Injury Sports $9.16 $9.16 $9.16 $9.16
High Risk Brain Injury Sports have the option to exclude coverage for brain injuries in order to receive premium credits. In order to receive credits, you must contact Sadler & Company directly at sport3@sadlersports.com.

Class A Sports – $1,000,000 Commercial General Liability (CGL) Only – $3.57 per participant ($300 min. premium)  This application is not available online. Please print the paper application in order to submit.

The following sports are classified as Class A Sports:  Box Lacrosse; Broomball; Diving; Dodgeball; Ice Hockey; In-line Hockey; Inline Skating (speed); Lacrosse (age 20 & over); Roller Hockey (inline); Water Hockey (age 20 & over); Water Polo (age 20 & over); Weightlifting (age 20 & over); Wrestling (age 20 & over); Umpire/Referee Association for Class A Sports

Premiums shown include coverage for Abuse/Molestation ($100,00 defense only) and Non Owned-Hired Auto Liability.

Please print the application for Coverage Description, Ineligible Activities and Exclusions

ALL APPLICANTS – A $15 RPG Fee is Required by the Carrier For All Applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.

Optional Coverages Rates

  • $1,000,000 Directors & Officers Liability $300 per governing board
  • $2,000,000 Directors & Officers Liability $450 per governing board
  • $25,000 Crime $200 per governing board
  • Equipment $2.00 per $100 of coverage subject to minimum premium of $200

Multi-Sport / Multi-Operation Organizations

Posted | Filed under Uncategorized

Get low-cost General Liability Insurance and Accident Insurance for Sports Organizations that have Multiple Sports/Multiple Operations to protect against catastrophic injuries and lawsuits.

Average quote turnaround time is 12 to 24 business hours.


General Liability

  • Limits from $1,000,000 to $5,000,000
  • Occurrence Policy Form
  • Coverage for Athletic Participants
  • Non Owned and Hired Auto option
  • Sex Abuse & Molestation option

Accident

  • Medical limits up to $25,000
  • Deductible options
  • Accidental Death & Dismemberment up to $10,000

Multi-Sport/Multi-Operation Insurance and Risk Management

Some sports organizations just don’t fit the mold and can’t be neatly categorized into a single sport type or operation type. For example, some engage in multiple sports and activities and simultaneously operate teams/leagues, sports camps, tournaments, showcases, individual lessons, classes, provide public drop in facilities, work out facilities, lease facilities, etc. Most sports insurance programs were not set up to handle such a wide variety of operations. As a result such sports organizations have been forced into purchasing a hodgepodge of different sports insurance policies. It can be administratively burdensome keeping track of multiple policies, payments, and renewal dates and if a mistake is made, an uncovered claim could result.

Sadler Sports & Recreation Insurance offers a single policy source to handle such multi-sport and multi-operation sports organizations. This results in reduced frustration and ease of doing business, reduced mistake potential, and reduced premium costs due to avoidance of minimum premiums. Complete just one simple application for an immediate quick quote and experience peace of mind.


Risk Management Content

Visit our Risk Management page to access the following important content most applicable to Multi-Sport / Multi-Operation Sports Organizations and Facilities:

  • Sample Waiver/Release-Minor & Adult
  • Are Waivers Worth The Paper They Are Written On?
  • Before You Sign The Facility Lease Agreement
  • Collecting Certificates of Insurance From Vendors
  • Emergency Information / Medical Consent Form

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos, and forms.


 

What Our Clients Have to Say About Sadler Sports & Recreation Insurance

“This is my 3rd year using Sadler & Company and have never had a problem. The staff has always been wonderfully helpful and very friendly and easy to talk to!” – D. Goral

Health Club Insurance – Limited Services

Posted | Filed under Uncategorized

Save Up To 38% While Getting Rock Solid Coverage From the Leading Health Club Insurance Program in the Industry!

Specifically designed to meet the unique needs of U.S.-based health clubs with up to $500,000 in annual sales that offer programs and services that may include personal training, aerobics, yoga, Pilates, free weights, resistance machines, cardio machines, and a variety of exercise classes for members. Exercise studios and circuit training studios that are not eligible under our other programs because they exceed 3000 sq. ft. may be eligible under this program.

If you are an individual fitness instructor that does NOT own or long term lease a facility or are simply working on behalf of a exercise studio or health club, click here for individual fitness instructor coverage.


Limits of Liability and Premiums

On-site Coverage: Applies to the instruction activities of you and your employees and the business operations at your insured premises only.

On-site and Off-site Coverage: Applies to the instruction activities of you and your employees and the business operations at your insured premises and also extends to locations away from your insured premises (e.g.: training or class instruction at other locations).

On-site On-site & Off-site
Health Club Coverage Health Club Coverage
General Aggregate (other than Products-completed Operations) $5,000,000 $5,000,000
(per owned location) (per owned location)
Products/Completed Operation Aggregate $1,000,000 $1,000,000
Each Occurrence $1,000,000 $1,000,000
Personal & Advertising Injury $1,000,000 $1,000,000
Legal Liability To Participants $1,000,000 $1,000,000
Professional Liability $1,000,000 $1,000,000
Damage To Premises Rented to You (Fire Legal Liability) $300,000 $300,000
Medical Expense (other than participants) $5,000 $5,000
Hired Auto and Employer’s Nonownership Liability (not provided while in Hawaii) $1,000,000 $1,000,000
Premium: Rate per $1000 of Annual Sales $7.70 $8.50
Minimum Premium: $1,000 $1,100
Professional Liability for Independent Contractor (non-employees) $155.00

per instructor

$170.00

per instructor

  • Higher limits are available through the online application process.
  • Rates are available from 01-01-2016 to 12-31-2016.
  • There is no charge for Additional Insureds.
  • Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.

Ineligible Operations

  • Unattended or unstaffed 24 Hour keycard/keypad/keycode access, Unattended/unstaffed operations
  • Medical therapy or healthcare services
  • Physicals/Stress testing
  • Sports skills instructional facilities, academies, schools or programs
  • Facilities outside the U.S.
  • Physical Therapy
  • Swimming pools/hot tubs/whirlpools/Jacuzzis
  • Saunas/steam rooms
  • Salon services or indoor tanning
  • Sports rehabilitation services/therapy
  • Sports medicine

Exclusions

Please print the application for a list of exclusions


Optional Coverage

 EQUIPMENT & CONTENTS

This provides coverage for direct loss or damage to your supplies and equipment, furnishings, improvements and betterments, signs and non-structural glass due to theft, fire, vandalism or other covered causes (subject to actual policy terms and conditions). You must insure the full replacement cost of all of your equipment and contents to avoid a co-insurance penalty at the time of loss.

Replacement Cost Value Deductible Premium Minimum Premium
$1 – $10,000 $250 Replacement Cost Value X .03 $100
$10,001 – $100,000 $1,000 Replacement Cost Value X .026 $100
$100,001 and Up $2,500 Replacement Cost Value X .026 $100

MEDICAL PAYMENTS FOR PARTICIPANTS COVERAGE

This coverage pays the medical and dental expenses incurred by a participant when an accidental injury occurs while participating in fitness or exercise activities at the insured’s owned/operated locations. “Participant” means any person practicing, instructing or participating in any physical exercises or games, sports or athletic contests. Participant does not include any compensated member of your staff, including employees and independent contractors. The coverage is provided on an excess basis, responding after all other medical coverage available to the participant has been exhausted. If no other medical coverage exists, the coverage becomes primary. A $100 corridor deductible applies to each claim and the benefit period is two years from the date of the accident.

Limit Deductible Rate Minimum Premium
$5,000 (per claim) $100 (corridor deductible) $10.00 (per participant) $1,000.00

SEXUAL ABUSE OR SEXUAL MOLESTATION LIABILITY COVERAGE OR ABUSE, MOLESTATION, HARASSMENT OR SEXUAL CONDUCT DEFENSE COST REIMBURSEMENT COVERAGE

This program includes two options for coverage for claims arising out of sexual abuse or sexual molestation:

Option 1: $1,000,000 of liability coverage for sums the insured becomes legally obligated to pay as damages because of loss arising out of any actual or threatened sexual abuse or sexual molestation. This limit is part of, and not in addition to, the general liability limit section.

Option 2: $100,000 of coverage for reimbursement of defense costs only resulting from claims arising out of abuse, molestation, harassment or sexual conduct.

OPTIONS: RATES:
Option 1: $1,000,000 Sexual Abuse or Sexual Molestation Liability On-site – $1.54 per $1,000 of annual sales
On-site & Off-site – $1.70 per $1,000 of annual sales
($150.00 minimum premium)
Option 2: $100,000 Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement $100.00 (Flat Rate)

Please see application for complete coverage description.


Risk Management Content

Visit our Risk Management page to access the following important content:

  • Sample Waiver/Release – Minor and Adult
  • Are Waivers Worth the Paper They Are Written On?
  • Before You Sign the Facility Lease Agreement
  • Collecting Certificates of Insurance From Vendors
  • Types of Criminal Background Checks
  • Concussion Awareness Risk Management Program
  • Sports Organization Risk Management Program

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos and forms.

Individual Fitness Instructors Insurance

Posted | Filed under Uncategorized

Specifically designed to meet the unique needs of a U.S. based personal training, exercise, aerobic or yoga/pilates instructor directly supervising an individual or group engaged in fitness and exercise activities

Pay as low as $179 for a rock-solid $1,000,000 Liability Limit that does not require you to join another expensive association and receive your Certificates of Insurance IMMEDIATELY.

Beware of other programs that don’t cover punitive damages and that nickel and dime you to death with a $30 charge for each additional insured. Read the fine print in competitor’s programs.

If you’re the owner of a fitness facility, click here to find out how to save up to 38% while getting the protection you need.


Limits of Liability and Annual Premiums

COVERAGE OPTION 1 OPTION 2 OPTION 3 OPTION 4 OPTION 5 OPTION 6
Each Occurrence Limit $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
General Aggregate $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
Products/Completed Operations Aggregate $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Personal & Advertising Injury $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Damage to Premises Rented to You $300,000 $300,000 $300,000 $300,000 $300,000 $300,000
Medical Expense Payments (other than participants) $5,000 $5,000 $5,000 $5,000 $5,000 $5,000
Legal Liability to Participants $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Professional Liability $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement $100,000 $100,000 $100,000 $100,000 $100,000 $100,000
1-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.)
$144.00 $179.00 $269.00 $519.00 $769.00 $1,019.00
2-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.)
$258.00 $323.00 $484.50 Not Available Not Available Not Available
1-YEAR PREMIUM (Non-Certified Instructors) $184.00 $230.00 $345.00 $595.00 $845.00 $1,095.00
2-YEAR PREMIUM (Non-Certified Instructors) $331.00 $414.00 $621.00 Not Available Not Available Not Available

Rates are available 01-01-2016 to 12-31-2016

Coverage is provided by a carrier rated A+ (superior) by A.M. Best Company.

ALL APPLICANTS: A $15 RPG fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.

  • Rates are per instructor.
  • You are not required to join an association to qualify for coverage.
  • Additional Insureds (ex: Managers and/or lessors of premises) can be added at no additional cost.
  • A complete coverage description is included in the application.
  • Note to agents and brokers: There are no commissions included in this program.

Program Eligibility

Eligible activities include:

• Acro Dance/Tumbling
• Aerial/Anti-Gravity/Suspended Yoga (certified instructors only)
• Acrobatic/Partner Yoga
• Aerobics
• Aquatic Exercise
• Cardio Kickboxing
• Children’s Fitness Programs
• Dance
• Exercise
• Fitness Bootcamps

• GYROTONIC®
• Hoop Fitness
• Personal Training
• Pilates
• Qigong
• Spinning
• Strength
• Tai Chi
• Yoga
• Tumbling (floor only, no gymnastics apparatus)
• ZUMBA®

Program Ineligibility

  • Certified athletic trainers
  • Coaching of organized competitive athletic teams
  • Instruction of sports skill activities
  • Instructors under the age of 18
  • Instructor’s employment as an exempt or non-exempt employee of a school, university or college

Exclusions

Please print the application for additional exclusions contained in this policy.


Risk Management Content

Visit our Risk Management page to access the following important content most applicable to Fitness Instructors:

  • “Suffering the Injury and Blaming the Trainer”
  • Sample Waiver/Release-Minor & Adult
  • Are Waivers Worth The Paper They Are Written On?
  • Before You Sign The Facility Lease Agreement
  • Collecting Certificates of Insurance From Vendors
  • Emergency Information / Medical Consent Form

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos, and forms.


Specialty Areas

Aerobic Instructor Insurance
Fitness and Wellness Insurance
Fitness Liability Insurance
Personal Trainer Insurance
Fitness Insurance
Strength Trainer Insurance
Cardio Kickboxing Instructor Insurance
Fitness Instructor Insurance
Personal Trainer Liability Insurance
Tai Chi Instructor
Yoga Instructor Insurance
Exercise Instructor Insurance
Fitness Insurance
Dance Instructor
Pilates Instructor Insurance
Step Aerobics Instructor Insurance

 General Liability and Professional Liability

General Liability insurance protects personal trainers against the following types of claims involving bodily injury, property damage, and personal/advertising injury:

  • Injury resulting from inadequate supervision such as failure to properly spot trainee
  • Failing to properly instruct the trainee on correct technique resulting in injury
  • Injury resulting from use of substandard equipment or defective equipment
  • Injury resulting from failure to design a proper workout program
  • Slip/trip/fall injury due to wet area on floor or exposed electrical cord
  • Allegations of slander, libel, or invasion of privacy
  • Negligence that results in electrical short causing fire that damages building

General Liability policies should include a Professional Liability endorsement which may include coverage for certain allegations other than bodily injury and property damage. For example, a client could claim failure to progress with fitness goals due to improper instruction. Many of these types of allegations are groundless, but are costly to defend against.

Accidents and High Risk Activities

Accidents and medical emergencies can happen anytime, to anyone, anywhere. And while you may not be liable, chances are you’ll face situations where you have to defend yourself against claims made by clients. In addition to offering General and Professional liability insurance geared to personal trainers, we also offer specific risk management tools and advice for trainers working as employees and independent contractors, and that will help you minimize risks whether you work out of your home, your own studio, or another facility.

Fitness professionals must be knowledgeable in assessing health risks for their clients. Screenings should be systematic and addresses signs and symptoms of disease, risk factors and family history. The client and trainer fill our portions of the screening forms, and both sign an agreement as to goals and training methods based on the assessment.

One example of such a screening is the PAR-Q & You form, which is a well-recognized pre-exercise screening measure for low-to-moderate exercise training. This is broad tool that may overlook the client’s important health information. However, a “yes” answer by the client to any of the questions requires the trainer to obtain a medical release form from the client’s physician. Clients should also sign an informed consent/release of liability form.

Business risks not related to training

Many small business operators are so busy building the business that they don’t take time to ensure the safety and security of everything for which they’ve worked so hard. There are hidden risks few business operators thing of until it’s too late. Let us help you determine what type and how much coverage you need to adequately cover yourself, your clients and your business in the event of an accident or catastrophic incident.

Employees vs. Independent Contractors

Personal trainers can work as employees in health clubs, studios and fitness organizations or as independent contractors. There are perks and downfalls to both options.

Should you form a Limited Liability Company?

A business designated as limited liability company (LLC) enjoys the limited liability features of a corporation and the tax benefits of a partnership. Depending on the state of registration, an LLC can consist of a single owner or two or more individuals (known as members). An LLC isn’t taxed as a business. Instead, the profits and losses pass through the business to the member(s). The members report profits and losses on their personal tax returns.

LLC Advantages

  • Limited liability means that the members are protected from personal liability if the LLC if the LLC is sued. However, the “limited” in limited liability means members are protected from their passive negligence when other employees are directly negligent; however, owners are not necessarily protected from allegations of their direct, personal negligence.
  • Less registration paperwork is required and smaller start-up costs involved than a corporation.
  • Profit restrictions are fewer because members distribute profits however they want. They decide the profits and loss percentages each member earns.

LLC Disadvantages

  • In many states, the LLC is dissolved when a member leaves. The other members are required to fulfill any remaining business obligations to close the business. They can then decide whether or not to register a new LLC. However, there can be a provision in the original business agreement that the life of the LLC will be prolonged in the event of a member’s departure.
  • LLC members are considered self-employed. As such, they are required to pay self-employment tax contributions toward Medicare and Social Security. These taxes take into account the entire net income of the LLC.

Martial Arts & Self Defense Instructors Insurance

Posted | Filed under Uncategorized

Specifically designed to meet the unique needs of U.S.-based martial arts and/or self defense instructors who works on an independent contract basis training individuals in martial arts and/or self defense.

Pay Just $345 for a Rock Solid $1,000,000 Liability Limit that Does Not Require You to Join Another Expensive Association or to Become Certified Just to Qualify!

Beware of other programs that don’t cover punitive damages and that nickel and dime you to death with charges for each additional insured. Read the fine print in competitor’s programs!

If you’re the owner of a martial arts studio or school, click here to find out how to save up to 38% while getting the protection you need.


Limits of Liability and Premiums

COVERAGE OPTION 1 OPTION 2 OPTION 3 OPTION 4 OPTION 5
Each Occurrence Limit $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
General Aggregate (Other than Products-Completed Operations) $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
Products/Completed Operations Aggregate $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Personal & Advertising Injury $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Damage to Premises Rented to You (Fire Legal Liability) $300,000 $300,000 $300,000 $300,000 $300,000
Medical Expense (other than participants) $5,000 $5,000 $5,000 $5,000 $5,000
Legal Liability to Participants $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Professional Liability $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
SINGLE EVENT COVERAGE
Training Session Only – Per Instructor (session must be 3 days or less) $109 $164 $414 $664 $914
ANNUAL COVERAGE
Traditional Martial Arts Instructor (per instructor) $345 $518 $768 $1,018 $1,268
Self Defense/Law Enforcement/Security Instructor (per instructor) $546 $819 $1,069 $1,319 $1,569

ALL APPLICANTS:  A $15 RPG feeis required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.

  • Rates are per instructor and are available for either single event coverage or for a one-year coverage term.
  • Rates are available 01-01-2016 to 12-31-2016.
  • Additional Insureds (ex: Managers and/or lessors of premises) can be added at no additional cost.
  • A complete coverage description is included in the application.
  • Agents & Brokers: There are no commissions included in this program.
  • Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.

Eligibility

An instructor age 18 or older conducting private or group instruction in any of the following is eligible to enroll in this program:

  • Self Defense Instruction
  • Law Enforcement / Security Defense Tactic Instruction
  • Martial Arts instruction of:
  • Aikido
  • Brazilian Jiu Jitsu
  • Capoeria
  • Chi kun
  • Dim mak
  • Escrima
  • Goju-ryu
  • Hapkido
  • Haganah
  • Jeet kune do
  • Judo
  • Kali
  • Karate
  • Krav maga
  • Kung fu
  • Mixed martial arts or ultimate fighting
  • Muay thai
  • Savate
  • Sayoc kali
  • Taekwondo
  • Tai chi
  • Tang soo do
  • Thai boxing

Ineligibility

Operations not eligible for this program include, but are not limited to the following:

  • Boxing (contact/sparring)
  • Certified Athletic Trainers
  • Coaching of organized competitive athletic teams
  • Firearms Training
  • Instructors under the age of 18
  • Military/paramilitary combat training
  • Tournaments or competitions
  • Your employment as an exempt or non-exempt employee of a school, university or college

Notable Exclusions

The following represent only some of the exclusions contained in this policy.

  • Abuse, Molestation, Harassment or Sexual Conduct
  • All Operations listed as Ineligible
  • Amusement Devices (ex: dunk tanks, rides, slides, inflatables, bungees, climbing walls)
  • Animals
  • Cryogenic chambers/therapy
  • Cycling (other than stationary)
  • Instruction/activity being held on or in open water (e.g. lakes, ponds, ocean)
  • Use of projectile weapons including, but not limited to, firearms and tasers, and defense sprays
  • Employment Related Practices
  • Fireworks
  • Medical, Therapy or Health Care Services
  • Operation, Ownership or Management of any Facility
  • Physicals/Stress Testing
  • Physical Therapy, Massage or Salon Services
  • Sale or Distribution of Herbal, Medicinal and/or Nutritional Products
  • Use of Sharpened/Bladed Weapons

Print Application for a complete list of exclusions and coverage details.


Risk Management Content

Visit our Risk Management page to access the following important content most applicable to Fitness Instructors:

  • Sample Waiver/Release-Minor & Adult
  • Are Waivers Worth The Paper They Are Written On?
  • Before You Sign The Facility Lease Agreement
  • Collecting Certificates of Insurance From Vendors
  • Emergency Information / Medical Consent Form

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos, and forms.

 

Big Shots Insurance

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We are pleased to partner with Sadler Sports Insurance to provide the following coverages to the affiliate team/league members of Big Shots Basketball


Advantages Over the Competition:

  • Instant Online Enrollment
  • High limit of coverage at an affordable team rate.
  • Covers all practice, games and tournaments regardless of affiliation!

Accident And General Liability:

Coverage extends to all team / league sanctioned practices, games, and tournaments regardless of affiliation.

Excess Accident

Pays covered medical bills on behalf of injured participants.

  • $100,000 Medical Limit ($100 deductible)
  • Coverage is “Excess” to other collectible health insurance
  • $ 5,000 Accidental Death & Dismemberment

General Liability

Protects against covered lawsuits and claims where it is alleged that your negligence resulted in bodily injury, property damage, or personal/advertising injury.

  • $2,000,000 Each Occurrence Limit
  • $2,000,000 Legal Liability To Participants Limit

The description above is for illustrative purposes only. Please request a copy of actual policy for complete details of all coverages, conditions and exclusions.


Cost

Effective Date of Policy Number of Teams Rate Per Team
09/01/2016 – 05/31/2017 1-5 $93 per team
6 + $84 per team
06/01/2017 – 08/31/2017 1-5 $70 per team
6 + $63 per team
  • Includes affiliate membership with Big Shots
  • Coverage is effective 09/15/2016 or later, upon receipt of online enrollment and online credit card payment by Sadler. Coverage will expire on 09-1-2017, regardless of the effective date.
  • A.M. Best rated A+, XV carrier

Optional Coverages

These coverages are not automatically included above and you have the option to purchase separately by completing the application and forwarding to Sadler Sports Insurance along with check. Each policy may be purchased separately.

Print complete application packet

Directors & Officers Liability

Protects against certain lawsuits not covered by a General Liability policy such as discrimination based on race, sex, age, or handicap; wrongful suspension or termination of personnel or players; or failure to follow your own bylaws when making an administrative decision.

$1,000,000 Per Claim Limit ($1,000 Deductible)

Premium of $300 per board

Crime Insurance

Covers financial loss due to certain embezzlement of funds or theft of equipment by your own directors, officers, or staff. Also covers theft of money & securities by outsiders.

$25,000 Limit ($500 Deductible)

Premium of $200 per organization

Equipment Insurance

Covers financial loss to equipment owned by chapter (sports, concession, maintenance, etc.) due to perils of fire, wind, theft, and vandalism.

Limit is based on Replacement Cost Value of 100% of Organization Owned Equipment ($500 Deductible)

Rate is $2.00 per $100 of replacement cost value.

$200 minimum premium applies.


Risk Management Content

Visit our Risk Management page to access the following important content most applicable to youth basketball:

Sample Waiver/Release-Minor

Are Waivers Worth The Paper They Are Written On?

Basic Concussion Risk Management Program

Abuse/Molestation Risk Management Program (short form)

Before You Sign The Facility Lease Agreement

Collecting Certificates of Insurance From Vendors

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos, and forms.

 

U.S. Adult Baseball League Insurance

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We are pleased to partner with Sadler Sports & Recreation Insurance and the SODA insurance plan in order to provide our endorsed insurance program for member organizations.

  • Instant Online Proposals and Enrollment:
    Entire process takes less than 5 Minutes to apply and pay! You will receive your proof-of-coverage documents in 12-24 business hours.
  • Low Prices! Save Up to 38%
  • Rock Solid Coverage from an A-rated insurance carrier

LIMITS OF LIABILITY AND ANNUAL PREMIUMS

Sport $100,000Medical Only $100,000 Medical / $2,000,000 General Liability $100,000 Medical / $5,000,000 General Liability $2,000,000 General Liability Only (Waiver Required) $5,000,000 General Liability Only (Waiver Required)
Adult Baseball (20 players per Team) $74 per team $145 per team $154 per team $110 per team $123 per team
(Rates are effective 01/01/2015-12/31/2015) * Coverage is provided for one year from the effect date of the policy.

Optional Coverages

  • $1,000,000 Directors & Officers Liability $300 per club
  • $25,000 Crime $200 per club
  • Equipment $2.00 per $100 of insured value(Subject to $200 minimum premium)

Be sure to do the following within the online enrollment sections:

  • “Please select your sports organization” Choose “Adult Team Insurance”
  • “Select the type of coverage you want to buy” Choose the limit of coverage you wish to purchase.
  • “Select the Sport and Number of Teams below”  Choose Baseball as the sport and enter the number of teams in your organization. You will be asked on the next screen to enter these team names.
  • Continue through the review of the application and enter your contact information.
  • IMPORTANT: During the application process, you will be asked your “Organization Affiliation.” Please select “US Adult Baseball” from the drop-down menu.

Tag ‘Em Tournaments Insurance

Posted | Filed under Uncategorized

We are pleased to partner with Sadler Sports & Recreation Insurance and the SODA insurance plan in order to provide our endorsed insurance program for member organizations.

  • Instant Online Proposals and Enrollment: The entire process takes less than 5 minutes to apply and pay! You will receive your proof-of-coverage documents in 12 to 24 business hours.
  • Low prices! Save up to 38%
  • Rock-solid coverage from an A-rated insurance carrier
  • View complete coverage details and notable exclusions

LIMITS OF LIABILITY AND ANNUAL PREMIUMS

Sport $100,000 Medical/$2,000,000 General Liability $100,000 Medical/$5,000,000 General Liability $2,000,000 General Liability Only (Waiver Required) $5,000,000 General Liability Only (Waiver Required)
Youth Baseball (18 players per team) $112.76 per team $123.11 per team N/A N/A
Adult Baseball (20 players per team) $147.14 per team $157.49 per team $110.46 per team $125.41 per team

Rates are effective 01/01/2016-12/31/2016.

Coverage is provided for one year from the effect date of the policy.


OPTIONAL COVERAGES

  • $1,000,000 Directors & Officers Liability $300 per club
  • $25,000 Crime $200 per club
  • Equipment $2.00 per $100 of insured value (Subject to $200 minimum premium)

Be sure to do the following within the online enrollment sections:

  • “Please select your sports organization” – Choose Youth or Adult Team Insurance
  • “Select the type of coverage you want to buy” – Choose the limit of coverage you wish to purchase.
  • “Select the Sport and Number of Teams below” – Choose baseball as the sport and enter the number of teams in your organization. You will be asked on the next screen to enter these team names.
  • You will continue through the review of the application and entering your contact information.
  • IMPORTANT: During the application process, you will be asked your organization affiliation. Please select Tag ‘Em Tournaments from the drop-down menu.
  • Tag’Em Tournaments requires being listed on the policy for General Liability as a Tournament Host for all participants of their tournaments. For your convenience, Tag’Em Tournaments has been added in the list of pre-filled certificate holders. Make sure you choose this certificate holder when completing your application.