An Accident insurance policy customized for sports and recreation organizations such as teams, leagues, camps, and recreation departments should cover all activities sanctioned by the organization, including tryouts, practices, games, tournaments, non-sport outings and authorized group travel to and from the above events.
It is also important for an Accident insurance policy to cover non-sport outings such as awards banquets, celebration trips for ice cream, backyard cookouts, swimming parties, trips to see college or pro ballgame, etc. Some of the most serious injuries in youth sports can arise out of these non-sport activities.
Coverage for travel to and from covered activities is a controversial subject. At a minimum, coverage should be provided for authorized group travel to and from these events. Examples of group travel would be in single vehicles such as a bus, mini van, or a caravan of vehicles.
Some sports organizations would like to see coverage extended to individual travel to and from the covered events. However, many Accident insurance carriers will balk at providing this coverage due to the high severity exposure as they argue that the sports organization is not responsible for injuries arising from individual travel for which it does not direct, control or supervise.