Importance of a General Liability Policy

General liability sports insurance

Why all sports teams, leagues and organizations need one

General Liability for sports organizations protects against covered claims or lawsuits primarily resulting from bodily injury, property damage, personal injury, and advertising injury.

  • Bodily injury claims generally arise from injuries to sports participants or spectators.
  • Property damage claims are normally associated with damage to sports facilities or spectator vehicles.
  • Personal injury lawsuits commonly arise from a slander or libel.
  • Advertising injury claims may arise from incorrect statements or comparisons about a competing sports program that are contained within promotional materials of a sports organization.

General Liability pays covered legal defense costs and any settlement or adverse jury verdict expenses up to the policy limit. One of the most important reasons for carrying General Liability is to get coverage for legal defense which of often the most expensive element of sports litigation. It is not uncommon for legal defense costs to exceed $50,000, even in cases where the sports organization is ultimately found to not be negligent.


Source: John Sadler
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