General Liability Insurance for Sports & Recreation Organizations

General Liability insurance is perhaps the most important insurance policy carried by sports & recreation organizations because it covers lawsuits arising from the most common mishaps – spectator injury and participant injury.

General Liability covers certain lawsuits arising from an occurrence (accident) alleging bodily injury, property damage, personal injury, and advertising injury due to the alleged negligence of the sports or recreation organization. The policy provides an attorney for legal defense and will pay up the policy limits in the event of settlement or adverse jury verdict.

 General Liability claims can be both frequent and severe. Frequent claims include premises related injuries due to lack of routine maintenance and trips/slips/falls. More serious claims include player injuries resulting in death or disability.

 Common Policy Limits


Each Occurrence $1,000,000
General Aggregate $2,000,000
Products/Completed Operations Aggregate $2,000,000
Personal/Advertising Injury $1,000,000
Damgte to Premises of Others $   300,000
Premises Medical Payments (spectators) $       5,000
Participant Legal Liability $1,000,000

All policies are not created equal

Common policy provisions/exclusions to avoid:

  • Athletic Participants Exclusion
  • Punitive Damages Exclusion
  • Assault & Battery Limitation
  • Bleacher Collapse Exclusion
  • Contractual Liability Limitation
  • Sex Abuse/Molestation Exclusion
  • Claims Made Policy Form

Additional coverages that can be added to policy forms:

  • Non-owned and Hired Auto Liability
  • Sex Abuse and Molestation

What is the premium based upon?

The premium is typically based on the number of participants or teams and the length of the season or activity. Rates are established for each type of sport or recreation activity based the loss history of similar groups. The specific loss history of the organization may also be taken into account.

General Liability carriers offered by Sadler Sports & Recreation Insurance:

  • K&K/National Casualty/Nationwide/Scottsdale
  • Philadelphia Insurance Companies
  • AIG
  • American Specialty
  • Francis L. Dean/Crum & Forster
  • Specialty Insurance Group/Everest
  • Bollinger/Markel
  • and many more

See our recent blog posts for more information on General Liability insurance

How to get a quote

Visit our home page and click on “get quote” and select the program that best matches up with your operations. Most of our programs provide instant online quote/pay/print of coverage documents and certificates for facility owners.