Sadler Sports & Recreation Insurance
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Coverage Checklist

Stop! Before Buying Your Sports Insurance, Make Sure Your Plan
Meets Minimum Recommendations!

Submit This Form To Your Agent For completion

Dear Sports Administrator:

It is strongly recommended that you submit this form to your current insurance agent for his/her completion to make sure that your league carries all four policies. Also, make sure that each policy meets 100% of the minimum recommendations.

Every single recommendation is critical for the protection of your youth and volunteers. Don't assume that you are adequately protected as over 90% of all sports insurance programs will fail this test. If your program fails, don't despair as their are many programs available that will meet all of the minimum recommendations at an affordable price.

Minimum Recommendations Meets Recommendations Does Not Meet Recommendations
Accident Insurance
  • Medical Limit: $25,000
    		•     
  • Dental Limit should be included
    under the maximum Medical Limit without
    a separate sublimit
    		•     
  • No Internal Payout Limitations on
    categories such as surgeon's fees, daily hospital
    room & board, doctor's visits, etc.
    		•     
  • Insurance Purchased On 100% Of All
    Participants (Not Voluntary)
    		•     
  • Deductible does not exceed $500 per claim
    		•     
  • Payout Period of at least 1 Year
    		•     
  • Covers 100% of the following persons:
    athletes, coaches, managers, officials, and all other volunteers.
    		•     
  • Covers 100% of the following events:
    League sanctioned, supervised, and scheduled tryouts, games, and practice; including sanctioned and supervised group travel to and from; and authorized group activities.
    		•     

    General Liability
    Limits of Coverage:
    - Each Occurrence: $1,000,000    
    - General Aggregate: $2,000,000    
    - Products/Completed Ops. Aggregate: $1,000,000    
    - Personal/Advertising Injury: $1,000,000    
    - Participant Liability: included    
    - Contractual Liability: included    
    - Independent Contractors: included    
    - Damage To Premises Rented To You: $300,000    
    - Medical Expense Payments: $5,000 (spectator injury only)    
    - Non Owned-Hired Auto Liability: $1,000,000
    (Hard to get. At least request it!)    		    
  • Occurrence Policy Form (Not Claims Made)
    		•     
  • Financial Strength "A"- VII or better in Best's
    		•     
  • Covered Persons include the league and its directors, officers, employees and volunteers.
    		•     
  • Coverage can be extended to field owners and sponsors at no additional charge.
    		•     
  • Exclusions: Should Not Contain:
    		•     
    Abuse And Molestation (This coverage is hard to get without having controls in place. At least request it!)    
    Punitive Damages    
    Participant Liability    
    Collapse of Temporary Structure    
    Field of Entertainment    
    Contractual Liability Limitation    
  • Note: If your General Liability is provided through a city of county program, have your agent complete the supplementary worksheet entitled "Beware Of General Liability Insurance Provided...By A City Or County...
    		•     

    Directors & Officers Liability
  • Limit of Liability: $1,000,000
    		•     
  • Retention or Deductible: No more than $1,000
    		•     
  • Covered Persons include all of the following:
    sports organizations itself, directors, officers, employees, and volunteers.
    		•     
  • Exclusions: Should Not Contain:
    		•     
    Discrimination    
    Employment Practices Violations    

    Crime (Employee Dishonesty)
  • Limit of Liability: $10,000
    		•     
  • Covers theft by all the following persons:
    employees, directors, officers, and volunteers.
    		•     
  • Covers theft of money & securities by outsiders
    		•     

    The questions above are to be answered by the sports organization's insurance agent and he/she is to complete the information below, date, sign, and return to the sports organization.

    Name of Insurance Agent_________________________________________

    Phone # of Insurance Agent(___)_________________________________

    Date Form Completed_____________________________________________

    Signature of Agent______________________________________________

    Direct all questions to Sadler & Company, P.O. Box 5866, Columbia, SC 29250 or call 1(800)622-7370.

    WARNING: COMPLIANCE WITH THE ABOVE MINIMUM RECOMMENDATIONS DOES NOT GUARANTEE THAT YOUR PROTECTION WILL BE ADEQUATE. AN INSURANCE PROFESSIONAL SHOULD BE CONSULTED FOR ADVICE.

    Go to the:
    Municipal Insurance Checklist Supplement

    If Liability Coverage Provided By Municipal Rec. Dept., City, or County