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Win Win for Both Parents and Local Sports Associations

Registration fees for amateur sports associations can be very expensive with per-participant fees typically ranging from $1,000 to $10,000 per registration period.

Parents may feel uncomfortable risking the guaranteed payment of expensive registration fees due to concerns over injury and sickness and the risk that their child may miss part of or the entire season. On the other hand, sports associations can’t afford to refund these fees as they count on them to meet their budgets throughout the season.

Solution: Sports Interruption Insurance is an affordable way for both parents and sports associations to address these risks. Sports associations can build the insurance costs for all participants into their registration fees as rates average around 1% to 2% of registration fees for normal risk sports (ex: soccer, lacrosse, baseball, softball).  See enrollment rate chart for actual rates.

Plan Benefit Highlights:

Eligible Persons:  All participants enrolled in a covered activity sponsored by policyholder and for which the registration fee has been paid.

Program Fee Refund Benefit:  We will provide reimbursement of a sports participant’s non-refundable program fee, up to $10,000 per season, if the participant is prevented from playing or participating in a sports program as a result of death, injury or sickness.  Such injury or sickness must be certified by a doctor, and be so disabling as to cancel participation in the sports activity.  Benefits start once the participant has missed more than 14 days of the sports program.  Benefits are calculated based on the number of days the participant missed.

Plan Options:

1. Basic Plan:  Coverage applies if the participant is injured while participating in a sponsored sports activity, or while traveling to or from such activity.
2. 24-Hour Buy-Up Plan: Coverage applies to losses resulting from an accident or sickness, anytime, 24 hours a day, during the sports program.

Rate Chart

$2000 Minimum Premium Applies.

Product is available in all states except the following: (1) CO, (2) KS, (3) LA, (4) ME, (5) NH, (6) NY, (7) NC, (8) VT, (9) WA.

Claim Examples*

Out for entire season: A participant suffers a broken arm during a covered baseball game and a doctor certifies that he will be out for the rest of the season. The registration period spans from a start date of March 15 to an end date of June 15 (92 days). The participant registration fee of $2,500 is fully paid and non-refundable. The date of the injury was April 15 and there are 61 days remaining in the registration period. The refund owed to the participant is computed as follows: $2,500 x 61 days / 92 days = $1,658.

Out for part of season: A youth soccer participant suffers a concussion during a covered game and is under the care of a doctor who provides medical clearance to return after 30 days. The registration period spans from August 15 to December 15 (122 days). The injury is sustained on September 15 and the participant returns on October 15 for a total of 30 missed days. The participant registration fees of $1,800 is fully paid and non-refundable. The refund owed to the participant is computed as follows: $1,800 x 30 days / 122 days = $443.

*These are examples of how benefit payments are calculated and should not be taken as a guarantee of payment.  Each claim is adjudicated on its merits.

DISCLAIMER: THIS PLAN DESCRIPTION IS FOR ILLUSTRATIVE PURPOSES ONLY AND NOT A CONTRACT OF INSURANCE. PLEASE SEE THE ACTUAL POLICY FOR ALL COVERAGES, LIMITS, CONDITIONS, DEFINITIONS, AND EXCLUSIONS.

Partnering with Sadler Sports & Recreation Insurance and the SODA insurance plan to provide our endorsed insurance program for member organizations.

• • Instant Online Proposals and Enrollment:
    Entire Process Takes Less Than 5 Minutes to Apply & Pay! You will receive your Proof-of-Coverage Documents in 12 to 24 Business Hours!
  • Low Prices! Save Up to 38%
  • Rock Solid Coverage From an A-rated Insurance Carrier
  • View Complete Coverage Details and Notable Exclusions

Rates are effective 01/01/2023 – to 12/31/2023. Coverage is provided for one year from the effective date of the policy. *Coverage Add-On’s are only available when General Liability is purchased.

Be sure to do the following within the online enrollment sections:

“Please select your sports organization” -Choose “Youth Team Insurance”

“Select the type of coverage you want to buy” -Choose the limit of coverage you wish to purchase.

“Select the Sport and Number of Teams below” – Choose Archery as the sport and enter the number of teams in your organization. **If your team has more than 25 players, you will need to purchase an additional team. You will be asked on the next screen to enter these team names.

You will continue through the review of the application and entering your contact information.

IMPORTANT: During the application process, you will be asked your “Organization Affiliation.” Please select “Olympic Archery In Schools” from the drop-down menu.

Additional Coverages

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

$2,000,000 Directors & Officers Liability $472 per governing board

$25,000 Crime $200 per governing board

Equipment $2.00 per $100 of insured value(Subject to $200 minimum premium)

The commissions are 10% on the Medical Payments For Participants/General Liability

Sports camp and clinic program designed specifically for the U.S. based camps and clinics that are held on premises that are not owned or maintained by the sport camp operator.

If your organization has multi-operations (ex: camps, tournaments & individual instruction, etc.) OR you own the facility where the activities will be held, please visit our Multi-Sport/Multi-Operation page in order to obtain a quote that may better serve your needs.

Sexual Abuse & Molestation Coverage is available for purchase. Option 1 – $100,000 Defense Cost Reimbursement or Option 2 – $250,000 Occurrence / $1,000,000 Aggregate. If higher limits of coverage are required, please see other available options.

Limits and Premiums

Recruiting Camps, Showcases or Combines are not eligible under this program. Please see our Amateur Sports Tournaments & Events for coverage.

Note to Current Customers: If you have purchased a camp policy within the past year, you will need to add new camp dates in lieu of applying online. If you are unsure, please email us at camps@sadlersports.com or give us a call at 800-622-7370 so we can provide you with the correct form.

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

Click Here to Renew Now!

Coverages and rates are available for applications received between March 1, 2023 to February 28, 2024.

The commissions are 10% on the Medical Payments For Participants/General Liability, and 5% on the Optional Coverages.

Sexual Abuse & Molestation Coverage is available for purchase. Option 1 – $100,000 Defense Cost Reimbursement or Option 2 – $250,000 Occurrence / $1,000,000 Aggregate. If higher limits of coverage are required, please see other available options.

General Liability & Medical Expense

OPTION 1:  $1,000,000 General Liability with $25,000 Medical Payments
Rates Are Per Player Per Sport Per Year  ($300 Minimum Premium)

Get low-cost General Liability Insurance and Accident Insurance for Sports Organizations that have Multiple Sports/Multiple Operations to protect against catastrophic injuries and lawsuits.

Average quote turnaround time is 12 to 24 business hours.

AGENTS & BROKERS – In order for an insurance agent to be recognized on this policy for correspondence purposes and/or commissions, the Agent information requested within the quote request MUST be submitted, regardless of a new or renewal policy.  If no information is provided, this policy will be written on a direct basis with the insured. It is your responsibility to make sure this information is submitted at the time of quoting.

General Liability

• Limits from $1,000,000 to $5,000,000
• Occurrence Policy Form
• Coverage for Athletic Participants
• Non Owned and Hired Auto option
• Sex Abuse & Molestation option

Accident

• Medical limits up to $25,000
• Deductible options
• Accidental Death & Dismemberment up to $10,000

Multi-Sport/Multi-Operation Insurance and Risk Management

Some sports organizations just don’t fit the mold and can’t be neatly categorized into a single sport type or operation type. For example, some engage in multiple sports and activities and simultaneously operate teams/leagues, sports camps, tournaments, showcases, individual lessons, classes, provide public drop in facilities, work out facilities, lease facilities, etc. Most sports insurance programs were not set up to handle such a wide variety of operations. As a result such sports organizations have been forced into purchasing a hodgepodge of different sports insurance policies. It can be administratively burdensome keeping track of multiple policies, payments, and renewal dates and if a mistake is made, an uncovered claim could result.

Sadler Sports & Recreation Insurance offers a single policy source to handle such multi-sport and multi-operation sports organizations. This results in reduced frustration and ease of doing business, reduced mistake potential, and reduced premium costs due to avoidance of minimum premiums. Complete just one simple application for an immediate quick quote and experience peace of mind.

Risk Management Content

Visit our Risk Management page to access the following important content most applicable to Multi-Sport / Multi-Operation Sports Organizations and Facilities:

• Sample Waiver/Release-Minor & Adult
• Are Waivers Worth The Paper They Are Written On?
• Before You Sign The Facility Lease Agreement
• Collecting Certificates of Insurance From Vendors
• Emergency Information / Medical Consent Form

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

What Our Clients Have to Say About Sadler Sports & Recreation Insurance

“This is my 3rd year using Sadler & Company and have never had a problem. The staff has always been wonderfully helpful and very friendly and easy to talk to!” – D. Goral

Save Up To 38% While Getting Rock Solid Coverage From the Leading Health Club Insurance Program in the Industry!

Specifically designed to meet the unique needs of U.S.-based health clubs with up to $500,000 in annual sales that offer programs and services that may include personal training, aerobics, yoga, Pilates, free weights, resistance machines, cardio machines, and a variety of exercise classes for members. Exercise studios and circuit training studios that are not eligible under our other programs because they exceed 3000 sq. ft. may be eligible under this program. 1

If you are an individual fitness instructor that does NOT own or long term lease a facility or are simply working on behalf of a exercise studio or health club, click here for individual fitness instructor coverage.

Limits of Liability and Premiums

On-site Coverage: Applies to the instruction activities of you and your employees and the business operations at your insured premises only.

On-site and Off-site Coverage: Applies to the instruction activities of you and your employees and the business operations at your insured premises and also extends to locations away from your insured premises (e.g.: training or class instruction at other locations).

• Higher limits are available through the online application process.
• Rates are available from 01-01-2023 to 12-31-2023.
• There is no charge for Additional Insureds.
• Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.

Ineligible Operations

Exclusions

Please print the application for a list of exclusions

Optional Coverage

 EQUIPMENT & CONTENTS

This provides coverage for direct loss or damage to your supplies and equipment, furnishings, improvements and betterments, signs and non-structural glass due to theft, fire, vandalism or other covered causes (subject to actual policy terms and conditions). You must insure the full replacement cost of all of your equipment and contents to avoid a co-insurance penalty at the time of loss.

SEXUAL ABUSE OR SEXUAL MOLESTATION LIABILITY COVERAGE OR ABUSE, MOLESTATION, HARASSMENT OR SEXUAL CONDUCT DEFENSE COST REIMBURSEMENT COVERAGE

This program includes two options for coverage for claims arising out of sexual abuse or sexual molestation:

Option 1: $1,000,000 of liability coverage for sums the insured becomes legally obligated to pay as damages because of loss arising out of any actual or threatened sexual abuse or sexual molestation. This limit is part of, and not in addition to, the general liability limit section.

Option 2: $100,000 of coverage for reimbursement of defense costs only resulting from claims arising out of abuse, molestation, harassment or sexual conduct.

Please see application for complete coverage description.

Risk Management Content

Visit our Risk Management page to access the following important content:

• Sample Waiver/Release – Minor and Adult
• Are Waivers Worth the Paper They Are Written On?
• Before You Sign the Facility Lease Agreement
• Collecting Certificates of Insurance From Vendors
• Types of Criminal Background Checks
• Concussion Awareness Risk Management Program
• Sports Organization Risk Management Program

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

Best in industry personal trainer insurance

Specifically designed to meet the unique needs of U.S. based personal trainers or fitness instructors directly supervising an individual or group engaged in fitness and exercise activities.

Pay as low as $194 for a rock-solid $1,000,000 Liability Limit that does not require you to join another expensive association and receive your Certificates of Insurance IMMEDIATELY.

Beware of other programs that don’t cover punitive damages and that nickel and dime you to death with a $30 charge for each additional insured. Read the fine print in competitors’ programs.

If you’re the owner of a fitness facility or exercise studio, click here to find out how to save up to 38% while getting the protection you need.

Personal trainer insurance and fitness instructor insurance

Despite a 27% decrease in overall recreational and sports-related injuries in 2020, there were still almost 400,000 injuries involving just physical exercise and the use of exercise equipment. The data comes from the National Safety Council. So if you’re a personal trainer or fitness instructor, you need to make yourself aware of the potential dangers lurking in your fitness class. Don’t be a number!

As an instructor or business owner, you have a responsibility to your students, but you also have a responsibility to yourself. Accidents happen, especially in a very physical environment. Make sure to cover all of your bases and give yourself the maximum amount of protection. That includes adequate risk management measures and a personal trainer insurance policy with broad coverage.

Limits of liability and annual premiums

Rates are available 01-01-2023 to 12-31-2023

Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.

ALL APPLICANTS: A $15 RPG fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.

• Rates are per instructor.
• You are not required to join an association to qualify for coverage.
• Additional Insureds (ex: Managers and/or lessors of premises) can be added at no additional cost.
• A complete coverage description is included in the application.
• Note to agents and brokers: There are no commissions included in this program.

Program eligibility

What type of fitness classes are covered by fitness instructor insurance? Our fitness instructor insurance covers a wide array of training program niches in all different categories. Eligible activities include:

Program ineligibility

• Certified athletic trainers
• Coaching of organized competitive athletic teams
• Instruction of sports skill activities
• Instructors under the age of 18
• Instructor’s employment as an exempt or non-exempt employee of a school, university or college

Exclusions

Please print the application for additional exclusions contained in this policy.

Risk management content

Visit our Risk Management page to access the following important content most applicable to Fitness Instructors:

• “Suffering the Injury and Blaming the Trainer”
• Sample Waiver/Release-Minor & Adult
• Are Waivers Worth The Paper They Are Written On?
• Before You Sign The Facility Lease Agreement
• Collecting Certificates of Insurance From Vendors
• Emergency Information / Medical Consent Form

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

Specialty areas

Among all the fitness classes we cover with our personal trainer insurance policies, some of our most popular specialty areas include indoor cycling, aerobics, Zumba, yoga, pilates, etc.

General Liability and Professional Liability

General Liability insurance protects personal trainers against the following types of claims involving bodily injury, property damage, and personal/advertising injury:

• Injury resulting from inadequate supervision such as failure to properly spot trainee
• Failing to properly instruct the trainee on correct technique resulting in injury
• Injury resulting from use of substandard equipment or defective equipment
• Injury resulting from failure to design a proper workout program
• Slip/trip/fall injury due to wet area on floor or exposed electrical cord
• Allegations of slander, libel, or invasion of privacy
• Negligence that results in an electrical short causing fire that damages building

What is Professional Liability coverage?

General Liability policies should include a Professional Liability endorsement, including coverage for certain allegations other than bodily injury and property damage. For example, a client could claim failure to progress with fitness goals due to improper instruction. Many of these types of allegations are groundless but are costly to defend.

Our fitness instructor insurance includes a professional liability insurance policy to offer you added protection. A common form of professional liability insurance is Errors & Ommissions that can help cover you in the case of claims arising from your negligence.

Click Here To Request Quote

Accidents and high risk activities

Accidents and medical emergencies can happen anytime, to anyone, anywhere. And while you may not be liable, chances are you’ll face situations where you have to defend yourself against claims made by clients. In addition to offering General and Professional liability insurance geared to personal trainers, we also offer specific risk management tools and advice for trainers working as employees and independent contractors, and that will help you minimize risks whether you work out of your home, your own studio, or another facility.

If you’re a fitness professional, you must be knowledgeable in assessing the health risks of your clients. Screenings should be systematic and address signs and symptoms of disease, risk factors and family history. The client and trainer fill our portions of the screening forms, and both sign an agreement as to goals and training methods based on the assessment.

One example of such a screening is the PAR-Q & You form, which is a well-recognized pre-exercise screening measure for low-to-moderate exercise training. This is broad tool that may overlook the client’s important health information. However, a “yes” answer by the client to any of the questions requires the trainer to obtain a medical release form from the client’s physician. Clients should also sign an informed consent/release of liability form.

Business risks not related to training

Many small business operators are so busy building the business that they don’t take time to ensure the safety and security of everything for which they’ve worked so hard. There are hidden risks few business operators think of until it’s too late. Let us help you determine what type and how much coverage you need to adequately cover yourself, your clients and your business in the event of an accident or catastrophic incident.

Employees vs. Independent Contractors

Personal trainers can work as employees in health clubs, studios and fitness organizations or as independent contractors. There are perks and downfalls to both options.

Should you form a Limited Liability Company?

A business designated as limited liability company (LLC) enjoys the limited liability features of a corporation and the tax benefits of a partnership. Depending on the state of registration, an LLC can consist of a single owner or two or more individuals (known as members). An LLC isn’t taxed as a business. Instead, the profits and losses pass through the business to the member(s). The members report profits and losses on their personal tax returns.

LLC advantages

• Limited liability means that the members are protected from personal liability if the LLC if the LLC is sued. However, the “limited” in limited liability means members are protected from their passive negligence when other employees are directly negligent; however, owners are not necessarily protected from allegations of their direct, personal negligence.
• Less registration paperwork is required and smaller start-up costs involved than a corporation.
• Profit restrictions are fewer because members distribute profits however they want. They decide the profits and loss percentages each member earns.

LLC disadvantages

• In many states, the LLC is dissolved when a member leaves. The other members are required to fulfill any remaining business obligations to close the business. They can then decide whether or not to register a new LLC. However, there can be a provision in the original business agreement that the life of the LLC will be prolonged in the event of a member’s departure.
• LLC members are considered self-employed. As such, they are required to pay self-employment tax contributions toward Medicare and Social Security. These taxes take into account the entire net income of the LLC.

What are the benefits of personal trainer insurance?

A basic general liability policy with professional liability insurance can help protect you in the event of a lawsuit arising from an accident in one of your personal training classes. There are several main benefits of a personal trainer insurance plan. First, you can get help with covering medical costs if someone in your class has an injury and goes to the hospital or requires physical therapy. Similarly, if someone has to miss work because of an injury, an insurance policy can help cover compensation costs and lost wages.

Some of these legal claims may have no standing but could leave you with significant financial losses. Having a proper insurance plan will help give you peace so you can focus on running your business and managing your classes.

Do I need personal trainer insurance?

We recommend personal trainer insurance to almost all personal trainers and fitness instructors. Having a solid personal trainer insurance plan can help protect you against negligence and other liabilities. However, certain unexpected accidents can occur, and we advise you to prepare yourself for the financial burden involved with most litigation.

If you contract under a gym or sports facility, that facility’s insurance policy typically does not protect instructors and other independent contractors. Those types of policies usually only cover employees. Therefore, it is even more important for you to have adequate protection. Some facilities require that their instructors have some form of personal trainer or fitness instructor insurance.

What if I teach online? Do I still need insurance?

In short, yes. We recommend fitness instructors pursue every avenue of protecting themselves. Just because you or your students are not physically present at a designated location does not mean you are without risk. A student can still attempt to link your teaching and instruction to a specific injury or other medical ailments. They may state that your instruction caused the injury to occur and hold you accountable for professional negligence.

Claims such as these usually hold no ground but can be costly to defend in court. In this case, a professional liability policy would help cover you against these types of claims and help with legal expenses. We can also structure your policy to include a focus on the online aspect of your business.

Getting personalized coverage for your personal training class

If you are a personal trainer or fitness instructor, getting an insurance policy that’s right for you is quick and easy. Get an instant online quote in just a couple of minutes with proof of insurance documents. Having an adequate insurance policy can help cover you against costly damages, medical costs, and legal fees. If an injury occurs during your fitness class and a student sues you for damages, how will you protect yourself?

Our general liability policy with professional liability insurance offers broad coverage at an affordable rate. Getting high-quality, affordable personal trainer insurance has never been so easy. Additionally, you will not need to pay an association fee that other insurance companies may request in addition to your annual premium. This fee can sometimes be up to $500 per year.

Sadler & Co. Insurance can provide you with a strong insurance plan and help protect you in the event of a lawsuit. In addition, you can customize our personal trainers insurance and fitness instructors insurance plans to fit your needs. So give yourself peace of mind and get a quote today!

If you’re the owner of a fitness facility, click here to find out how to save up to 38% while getting the protection you need.

Click Here To Request Quote

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

Click Here to Renew Now!

Specifically designed to meet the unique needs of U.S.-based martial arts and/or self defense instructors who works on an independent contract basis training individuals in martial arts and/or self defense.

Pay Just $370 for a Rock Solid $1,000,000 Liability Limit that Does Not Require You to Join Another Expensive Association or to Become Certified Just to Qualify!

Beware of other programs that don’t cover punitive damages and that nickel and dime you to death with charges for each additional insured. Read the fine print in competitor’s programs!

If you’re the owner of a martial arts studio or school, click here to find out how to save up to 38% while getting the protection you need.

Limits of Liability and Premiums

ALL APPLICANTS:  A $15 RPG fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.

• Rates are per instructor and are available for either single event coverage or for a one-year coverage term.
• Rates are available 01-01-2023 to 12-31-2023.
• Additional Insureds (ex: Managers and/or lessors of premises) can be added at no additional cost.
• A complete coverage description is included in the application.
• Agents & Brokers: There are no commissions included in this program.
• Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.

Eligibility

An instructor age 18 or older conducting private or group instruction in any of the following is eligible to enroll in this program:

• Self Defense Instruction
• Law Enforcement / Security Defense Tactic Instruction
• Martial Arts instruction of:

Ineligibility

Operations not eligible for this program include, but are not limited to the following:

• Boxing (contact/sparring)
• Certified Athletic Trainers
• Coaching of organized competitive athletic teams
• Firearms Training
• Instructors under the age of 18
• Military/paramilitary combat training
• Tournaments or competitions
• Your employment as an exempt or non-exempt employee of a school, university or college

Notable Exclusions

The following represent only some of the exclusions contained in this policy.

• Abuse, Molestation, Harassment or Sexual Conduct
• All Operations listed as Ineligible
• Amusement Devices (ex: dunk tanks, rides, slides, inflatables, bungees, climbing walls)
• Animals
• Cryogenic chambers/therapy
• Cycling (other than stationary)
• Instruction/activity being held on or in open water (e.g. lakes, ponds, ocean)
• Use of projectile weapons including, but not limited to, firearms and tasers, and defense sprays
• Employment Related Practices
• Fireworks
• Medical, Therapy or Health Care Services
• Operation, Ownership or Management of any Facility
• Physicals/Stress Testing
• Physical Therapy, Massage or Salon Services
• Sale or Distribution of Herbal, Medicinal and/or Nutritional Products
• Use of Sharpened/Bladed Weapons

Print Application for a complete list of exclusions and coverage details.

Risk Management Content

Visit our Risk Management page to access the following important content most applicable to Fitness Instructors:

• Sample Waiver/Release-Minor & Adult
• Are Waivers Worth The Paper They Are Written On?
• Before You Sign The Facility Lease Agreement
• Collecting Certificates of Insurance From Vendors
• Emergency Information / Medical Consent Form

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

We are pleased to partner with Sadler Sports Insurance to provide the following coverages to the affiliate team/league members of Big Shots Basketball

Advantages Over the Competition:

• Instant Online Enrollment
• High limit of coverage at an affordable team rate.
• Covers all practice, games and tournaments regardless of affiliation!

“Thanks a million. You’re the best. I’ve never in the 15 years of working with basketball, even AAU, has anything moved so fast and smooth.  Big Shots will know they have chosen an awesome insurance company.”  Natalie Pratt-Prime Time Elite

Accident And General Liability:

Coverage extends to all team / league sanctioned practices, games, and tournaments regardless of affiliation.

Excess Accident

Pays covered medical bills on behalf of injured participants.

• $100,000 Medical Limit ($100 deductible)
• Coverage is “Excess” to other collectible health insurance
• $ 5,000 Accidental Death & Dismemberment

General Liability

Protects against covered lawsuits and claims where it is alleged that your negligence resulted in bodily injury, property damage, or personal/advertising injury.

• $2,000,000 Each Occurrence Limit
• $2,000,000 Legal Liability To Participants Limit

The description above is for illustrative purposes only. Please request a copy of actual policy for complete details of all coverages, conditions and exclusions.

Cost

• Includes affiliate membership with Big Shots
• Coverage is effective 09/01/2018 or later, upon receipt of online enrollment and online credit card payment by Sadler. Coverage will expire on 09/01/2019, regardless of the effective date.
• A.M. Best rated A+, XV carrier

Additional Coverages

These coverages are not automatically included above and you have the option to purchase separately by completing the application and forwarding to Sadler Sports Insurance along with check. Each policy may be purchased separately.

Print complete application packet

Directors & Officers Liability

Protects against certain lawsuits not covered by a General Liability policy such as discrimination based on race, sex, age, or handicap; wrongful suspension or termination of personnel or players; or failure to follow your own bylaws when making an administrative decision.

$1,000,000 Per Claim Limit ($1,000 Deductible)

Premium of $300 per board

Crime Insurance

Covers financial loss due to certain embezzlement of funds or theft of equipment by your own directors, officers, or staff. Also covers theft of money & securities by outsiders.

$25,000 Limit ($500 Deductible)

Premium of $200 per organization

Equipment Insurance

Covers financial loss to equipment owned by chapter (sports, concession, maintenance, etc.) due to perils of fire, wind, theft, and vandalism.

Limit is based on Replacement Cost Value of 100% of Organization Owned Equipment ($500 Deductible)

Rate is $2.00 per $100 of replacement cost value.

$200 minimum premium applies.

Risk Management Content

Visit our Risk Management page to access the following important content most applicable to youth basketball:

Sample Waiver/Release-Minor

Are Waivers Worth The Paper They Are Written On?

Basic Concussion Risk Management Program

Abuse/Molestation Risk Management Program (short form)

Before You Sign The Facility Lease Agreement

Collecting Certificates of Insurance From Vendors

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