Posts Tagged ‘athletic facility’

Insurance Requirements for Rec Facility Users

Reduce liability exposure with proper collection of certificates of insurance

Facility user groups such as teams, leagues, tournament hosts, camps, instructors, and special event operators must carry adequate insurance. In addition to providing the proper coverage, Sadler Sports Insurance can assist you in reducing your liability by:

    • setting minimum insurance limits and coverage standards that adequately protect the recreation department
    • providing a simple free checklist tool to assist in verifying insurance compliance
    • referring uninsured facility users to a specific web page where they can get an instant quote,  instantly pay, and bind coverage  without any delays or hassles. Their delays and hassles become your delays and hassles.
    • setting your recreation department up in our system so that the certificates of insurance meet your special wording requirements every time, which cuts down on your frustration over certificates that don’t meet your requirements.

The video below walks you through the process in more detail.

Ownership and Management of Athletic Fields

An exclusion to avoid

It is clear that all sports and recreation organizations have liability for incidents that occur during scheduled, sanctioned and supervised activities such as tryouts, practices, and play.

However, some sports organizations that own or are long term lessees of athletic facilities are also legally responsible for injuries that occur on a 24/7 basis for 365 days a year. Ownership triggers the liability for premises owners. Lease agreements with hold harmless and indemnification provisions trigger the liability for long term lessees.

If your sports organization has 24/7 liability as described above, you should avoid the endorsement entitled “Ownership, Maintenance, Management of Athletic Fields or Facilities Exclusion” and any similar exclusion. As an alternative to removing this exclusion, some sports General Liability carriers allow a buy back that is commonly called “24 Hour Premises Liability.”