American Youth Football/Cheer Insurance

2023/2024 ONLINE APPLICATION IS NOW AVAILABLE

We are excited to announce that Sadler Sports now offers prefilled renewals for your Sports Insurance Program!

Click Here to Renew Now!

Quick Education

(If you are not a current AYF/AYC member, you can still become a local member just to access this insurance program and AYF will not interfere with your operations, but you will be expected to follow certain risk management best practices. The additional cost of AYF membership is a small price to pay to access this best in industry insurance program.)

AYF Leadership Conference Insurance & Risk Management

2023 Combined Accident and General Liability Rates

Rates below include $100,000 Accident / $500 Deductible (lower deductibles are available)

TACKLE FOOTBALL
AGE (RATE IS PER TEAM WITHIN EACH DIVISION)	$1,000,000 General Liability	$2,000,000 General Liability
Tackle Football – 7u Division	$252.51 per team	$288.15 per team
Tackle Football – 8u Division	$252.51 per team	$288.15 per team
Tackle Football – 9u Division	$252.51 per team	$288.15 per team
Tackle Football – 10u Division	$291.05 per team	$326.69 per team
Tackle Football – 11u Division	$291.05 per team	$326.69 per team
Tackle Football – 12u Division	$291.05 per team	$326.69 per team
Tackle Football – 13u Division	$396.84 per team	$432.48 per team
Tackle Football – 14u Division	$396.84 per team	$432.48 per team
Tackle Football – 15u Division	$396.84 per team	$432.48 per team
Tackle Football (Girls) – 17u Division	$509.20.66 per team	$544.85 per team
FLAG/TOUCH FOOTBALL
AGE (RATE IS PER TEAM WITHIN EACH DIVISION)	$1,000,000 General Liability	$2,000,000 General Liability
Ages 5-17	$89.54 per team	$102.84 per team
7v7 Passing Team (ages 5-17)	$89.54 per team	$102.84 per team
Flag/Touch Plus (limited contact with hands only)	$169.76 per team	$178.75 per team
INSPIRATION Flag Football (Handicapped)ALL TEAMS (Age 5-22)	$89.54 per team	$102.84 per team
CHEERLEADING
(RATE IS PER SQUAD WITHIN EACH DIVISION)	$1,000,000 General Liability	$2,000,000 General Liability
1. Cheer/Dance/Step/Majorettes Squads Affiliated with your Football Teams (Ages 5-18) (INSPIRATION up to age 22)	No Charge	No Charge
2. Cheer/Dance/Step/Majorettes Squads from #1 Above That Will Also Participate in Competitions Other Than Local League or Official AYC Regional or National Championships (Ages 5-18) Note: Class 2 squads must also be class 1 and you must show the # of squads for each class (Inspiration-up to age 22)	$59.02 per squad	$74.81 per squad
3. Cheer/Dance/Step Squads Not Affiliated with a Football Organization (Ages 5-18) (Inspiration-up to age 22)	$110.37 per squad	$119.70 per squad

Rates are available for policies effective June 30, 2023 – June 29, 2024.

(NOTE: Accident Options for $0, $100 or $250 deductible are available – click the link below)

*$5,000,000 General Liability each occurrence option available if required by written contract. This request must be reviewed and approved by carrier. Contact Sadler for further instructions or Click Here.

COVERAGE DESCRIPTIONS AND OVERVIEW: Click here if higher liability limits are needed or if you would like to choose a different accident deductible.

To qualify, all teams must join American Youth Football at an additional cost of $35 per tackle team, $25 per flag team and $35 per cheer/dance/step squad.There are two options when purchasing membership with American Youth Football & American Youth Cheer

Option 1: Visit joinayf.com to register your teams and receive the insurance password. You will need the insurance password to purchase coverage online at sadlersports.com/ayf or by using the attached Enrollment Form.
Option 2: Purchase your AYF/AYC membership as part of the insurance enrollment process. A membership fee of $35 per tackle team, $25 per flag team, and/or $35 per cheer/dance/step squad will be added to your total. Registration information will be forwarded to AYF/AYC and you will receive email instructions on how to access non-insurance membership benefits.

No commission is payable to agents.

NOTICE: If you have a current policy with another source OTHER THAN than the American Youth Football/American Youth Cheer Endorsed Insurance program, print this checklist now! Submit this to your insurance agent to verify if your current policy meets Minimum Insurance Standards.

Directors & Officers Liability / Crime / Equipment Rates

Directors & Officers

$1,000,000 Directors & Officers Liability $315 per governing board
$2,000,000 Directors & Officers Liability $473 per governing board

Crime: $25,000 – $200 per governing board

Equipment: $2.00 per $100 of coverage ($200 minimum premium)

Click here for a detailed coverage description for all of the above policies (PDF Format)

Risk Management Content For AYF/AYC

Appoint Risk Management Officer (RMO) To Set Up And Manage Plan

Selection And Duties Of Sports Risk Management Officer (Coming Soon)

Choose High Quality Insurance

Contractual Transfer Of Risk To Other Parties

Avoid Or Mitigate High Risk Activities That Are Not Essential To Your Mission

Group Transportation (Coming Soon)
Swimming Outings
High Risk Fundraising Activities/Devices (Coming Soon)
Serving Of Alcoholic Beverages

Child Abuse: Sex/Physical/Emotional/Bullying/Hazing/Harassment

Brain Injury/Concussion

Other Serious Risks

Most Common Risks

Improper Supervision And Instruction
Improper Sport Injury Care
Facility And Equipment Problems (Coming Soon)
Fitting Instructions and Helmet Care

Document Retention In Event Of Litigation

Written Risk Management Plans Pull Together Above

Sample AYF/AYC Risk Management Plan: Implement this comprehensive risk management program or similar to reduce litigation risk at your locations and in all areas of your operations including facilities, equipment, supervision, instruction, rules, injury response, sex abuse & molestation, and use of autos. Includes best practices as well as contractual transfer of risk through participant registration forms such as waiver/release and emergency information/medical consent, as well as the use of insurance requirements and hold harmless/indemnification provisions in agreements with vendors and visiting teams.
Safe Sport Child Abuse And Other Misconduct Protection Plan
Concussion Awareness Risk Management Plan (Football and Cheer)
AYF/AYC Guidelines For Return To Activities

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

Selected Blog Articles for Football and Cheer

This is not an all-inclusive list. Please check out our risk management page for other football and cheer-related articles, programs, videos, and forms.

AYF Football and Cheerleading Coaches Training

AYF Overview and Member Benefits

AYF is pleased to offer optional training to its coaches.