U.S. Adult Baseball League Insurance

| Uncategorized

We are pleased to partner with Sadler Sports & Recreation Insurance and the SODA insurance plan in order to provide our endorsed insurance program for member organizations.

  • Instant Online Proposals and Enrollment:
    Entire process takes less than 5 Minutes to apply and pay! You will receive your proof-of-coverage documents within minutes.
  • Low Prices! Save Up to 38%
  • Rock Solid Coverage from an A-rated insurance carrier

LIMITS OF LIABILITY AND ANNUAL PREMIUMS

Sport $100,000Medical Only $100,000 Medical / $2,000,000 General Liability $100,000 Medical / $5,000,000 General Liability $2,000,000 General Liability Only (Waiver Required) $5,000,000 General Liability Only (Waiver Required)
Adult Baseball (20 players per Team) $74.88 per team $159.56 per team $170.23 per team $131.09 per team $147.69 per team

Coverage is now available for Non-Owned & Hired Auto Liability ($39 per organization)

(Rates are effective 01/01/2020-12/31/2020) * Coverage is provided for one year from the effect date of the policy.

Additional Coverages

  • $1,000,000 Directors & Officers Liability $300 per organization
  • $25,000 Crime $200 per organization
  • Equipment $2.00 per $100 of insured value(Subject to $200 minimum premium)

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

  • “Please select your sports organization” Choose “Adult 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 Baseball as the sport and enter the number of teams in your organization. You will be asked on the next screen to enter these team names.
  • Continue through the review of the application and enter your contact information.
  • IMPORTANT: During the application process, you will be asked your “Organization Affiliation.” Please select “US Adult Baseball” from the drop-down menu.

Tag ‘Em Tournaments Insurance

| Uncategorized

We are pleased to partner with Sadler Sports & Recreation Insurance and the SODA insurance plan in order to provide our endorsed insurance program for member organizations.

  • Instant Online Proposals and Enrollment: The entire process takes less than 5 minutes to apply and pay! You will receive your proof-of-coverage documents INSTANTLY.
  • Low prices! Save up to 38%
  • Rock-solid coverage from an A-rated insurance carrier
  • View complete coverage details and notable exclusions

LIMITS OF LIABILITY AND ANNUAL PREMIUMS

Sport $100,000 Medical/$2,000,000 General Liability $100,000 Medical/$5,000,000 General Liability $2,000,000 General Liability Only (Waiver Required) $5,000,000 General Liability Only (Waiver Required)
Youth Baseball (18 players per team) $125.10 per team $135.77 per team N/A N/A
Adult Baseball (20 players per team) $159.56 per team $182.64 per team $131.09 per team $147.69 per team

Rates are effective 01/01/2020-12/31/2020.

Coverage is provided for one year from the effect date of the policy.


OPTIONAL COVERAGES

  • $1,000,000 Directors & Officers Liability $300 per club
  • $25,000 Crime $200 per club
  • Equipment $2.00 per $100 of insured value (Subject to $200 minimum premium)

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

  • “Please select your sports organization” – Choose Youth or Adult 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 baseball as the sport and enter the number of teams in your organization. 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 Tag ‘Em Tournaments from the drop-down menu.
  • Tag’Em Tournaments requires being listed on the policy for General Liability as a Tournament Host for all participants of their tournaments. For your convenience, Tag’Em Tournaments has been added in the list of pre-filled certificate holders. Make sure you choose this certificate holder when completing your application.

 

NBC “Hap” Dumont Insurance

| Uncategorized

We are pleased to partner with Sadler Sports & Recreation Insurance and the SODA insurance plan in order to provide our endorsed insurance program for member organizations.

  • Instant Online Proposals and Enrollment: Entire process takes less than 5 minutes to apply and pay. You will receive your proof-of-coverage documents INSTANTLY!!
  • Save up to 38%
  • Rock-solid coverage from an A-rated insurance carrier

LIMITS OF LIABILITY AND ANNUAL PREMIUMS

Sport $100,000 Medical/$2,000,000 General Liability $100,000 Medical/$5,000,000 General Liability
Youth Baseball (18 players per team) $125.10 per team $135.77 per team

Coverage is now available for Non-Owned & Hired Auto Liability ($39 per organization) and Sexual Abuse & Molestation ($40.37 per organization)

Rates are effective 01/01/2020-12/31/2020.

Coverage is provided for one year from the effect date of the policy.

Print application to view complete coverage details and notable exclusions

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 Baseball as the sport and enter the number of teams in your organization. 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 “Hap Dumont” from the drop-down menu.

Additional Coverages

  • $1,000,000 Directors & Officers Liability $300 per club
  • $25,000 Crime $200 per club
  • Equipment $2.00 per $100 of insured value(Subject to $200 minimum premium)

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
  • Lightning 30/30 Safety Rule
  • Child Abuse / Molestation Protection Program – Short Form
  • 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

IL Recreational Cheerleading Insurance

| Uncategorized

Illinois Recreational Cheerleading Association is pleased to partner with Sadler Sports & Recreation Insurance and the American Youth Cheer insurance plan in order to provide our endorsed insurance program for member organizations.

  • Save Up To 49%: Tap into the massive buying power of the largest youth football and cheer organization in the world.
  • High Limits Of Coverage: Protects your kids, administrators, and volunteers against catastrophic injuries and lawsuits.
  • Includes Essential and Hard-to-Get Coverages: Beware of other inferior programs that do not cover sex abuse/molestation, competitive cheer stunts, volunteer vs. volunteer lawsuits, and non-owned/hired auto liability.
  • Go Online to Get a Quick Quote in 30 Seconds and Purchase Coverage in 5 Quick Minutes. Immediately print your proof-of-coverage documents and claim forms.
  • Cheer/Dance/Step Squads not affiliated with a football organization (ages 5 to 18)

LIMITS OF LIABILITY AND ANNUAL PREMIUMS

  • Option #1- $100,000 Accident/$1,000,000 General Liability:  $115.09 per squad
  • Option #2- $100,000 Accident/$2,000,000 General Liability:  $125.63 per squad
  • Option #3- $100,000 Accident/$5,000,000 General Liability:  $182.91 per squad

Accident Deductible – $500

Coverage is effective the day the application and premium are received and expires 06/30/2021.

Important Steps to Remember When Purchasing Coverage:

  • Squads must be a member of American Youth Football & Cheer in order to purchase the coverage. Apply for your AYF/AYC Membership. Cost is $25 per squad.  A password will be provided in order to proceed with the insurance.
  • Choose Cheer/Dance/Step Squads/Contender – Class 3. Then enter the number of cheer squads. You will continue through the review of the application, entering your contact information and the AYF/AYC password.

Optional Coverages

  • $1,000,000 Directors & Officers Liability   $300 per club
  • $25,000 Crime   $200 per club
  • Equipment   $2.00 per $100 of insured value (Subject to $200 minimum premium)

 

Risk Management Content

Visit our Risk Management page to access the following content most applicable to cheerleading:

  • Sample Waiver/Release-Minor
  • Are Waivers Worth the Paper They are Written On?
  • Heat Illness: Avoidance and Prevention
  • Lightning Safety and 30/30 Rule
  • Before You Sign The Facility Lease Agreement
  • Collect Certificates of Insurance From Your Vendors
  • Football / Cheer Concussion Awareness Risk Management
  • Sample AYF/AYC Risk Management Plan

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

Event Weather Insurance

| Uncategorized

Get Weather Insurance Savings Up to 38% with Quickest Quote in the Industry!

Weather insurance is a highly affordable way to guarantee that your expected revenues will not be reduced by adverse weather. Most event organizers can easily build the cost of Weather Insurance into their event.


DEFINITION

Weather Insurance Is purchased by organizers of events (outdoor and indoor) to provide reimbursement for lost revenues (gate vendors, food, parking, etc.) caused by adverse weather (rain, snow, wind, temperature, lightning, etc.), which negatively impacts attendance.


HOW DO YOU DECIDE HOW MUCH INSURANCE TO BUY?

The amount of coverage that you buy should reimburse you for some percentage of your expected event revenues up to 100%. Since the policy is based on an agreed amount of coverage that you select, you never have to prove the amount of loss to your insurance company. It is recommended that you purchase coverage for 100% of your expected revenues.


COST

The cost of Weather Insurance is a function of the statistical probability that the adverse weather event will be triggered at your exact location(s) or selected reporting station, date(s), and time(s) of day of your covered event(s) based on several years of historical weather data and the amount of revenue that you would like to insure.


WHAT IS AN ADVERSE WEATHER EVENT?

Perhaps the most important aspect of Weather Insurance is defining what constitutes an adverse weather event. To a large degree, you have the discretion of setting your own definition by choosing the amount of rain, snow, etc. within the hours preceding the event or during the event that will trigger coverage.


WHO VERIFIES THE ADVERSE WEATHER EVENT?

Verification can be determined either by the data from the closest National Weather Station, an on-site independent weather observer ($35 per insured hour) or by Accuweather.

Concessionaires, Exhibitors & Vendors Insurance

| Uncategorized

General Liability Insurance for concessionaires, exhibitors, and vendors who sell, demonstrate, display, or promote their products and services on a short-term basis at special events, malls, shopping centers, trade shows, consumer shows or a location away from any owned or long-term leased premises.

 

Save up to 38% with an instant online quote.

Concessionaires, Exhibitors and Vendors applaud: “No more hassle and frustration in filling out a long application an waiting days or weeks just to get  a quote.”

If you are the organizer of an event, don’t go under insured! Visit our short term special event website for coverage information and rates.


LIMITS OF LIABILITY

Option 1 Option 2
General Aggregate – other than Products – Completed Operations $5,000,000 $5,000,000
Each Occurrence $1,000,000 $2,000,000
Products/Completed Operation Aggregate $1,000,000 $2,000,000
Personal & Advertising Injury $1,000,000 $2,000,000
Damage To Premises Rented to You (Fire Legal Liability) $300,000 $300,000
Medical Expense $5,000 $5,000

Higher Limits are shown in the brochure/application or are available through the online application.

PREMIUM INFORMATION

Premium based upon square footage and number of units.
If higher limits are needed or for operations with more units or more sq. ft. than what is listed below please refer to the brochure/application or call us at 800-622-7370.
0-100 Sq. ft/1 Unit 101-200 Sq. ft /2 Units 201-300 Sq. ft/3 Units 301-400 Sq. ft/4 Units
Single Event (event must be one month or less)
Option 1 $173 $252 $292 $332
Option 2 $252 $371 $431 $491
3 Consecutive Months Coverage
Option 1 $410 $608 $707 $806
Option 2 $608 $905 $1,054 $1,203
6 Consecutive Months Coverage
Option 1 $643 $957 $1,114 $1,271
Option 2 $957 $1,428 $1,664 $1,900
Annual Coverage
Option 1 $1,093 $1,632 $1,902 $2,172
Option 2 $1,632 $2,441 $2,846 $3,251

Rates available from 02-01-2019 to 01-31-2020.

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

Please see application for a complete coverage description.


ELIGIBLE OPERATIONS

  • Antiques & collectibles
  • Apparel & accessories
  • Arts & crafts
  • Auto/Vehicle accessories (non-mechanical)
  • Candles
  • Catering (single event option only)
  • Celebrity, mascot, or character appearances
  • Cleaning accessories & products
  • Cookware/kitchen accessories & appliances
  • Exercise Equipment
  • Floral
  • Food, Drink or  produce sales
  • Game trailers or booths
  • Gift wrap booths
  • Hardware sales
  • Health & beauty products
  • Home-based wedding vendors (single event option only)
  • Lawn & garden equipment
  • Literature distribution
  • Micro-reality race tracks
  • Motorized equipment (static display)
  • Product demonstrations
  • Product or service displays
  • Souvenir sales
  • Sports or camping equipment
  • Vehicle/boat display (static only)
  • Toys (for ages 5  & over)

INELIGIBLE OPERATIONS

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

  • Alcoholic beverage sales – selling or furnishing
  • Animals
  • Art displays over 10 feet tall or occupying more than 100 sq. ft. (unless approved by us)
  • Auto parts (mechanical)
  • Body piercing or permanent tattooing
  • Christmas tree retail lots
  • Contractors (lighting, stage, sound, etc.)
  • Cryogenic chambers/therapy
  • E-commerce selling
  • Fire safety equipment
  • Fireworks sales and displays
  • Haunted attractions
  • Hot wax impressions
  • Leasing/Rental operations
  • Mazes (corn, hay, fence)
  • Medical testing
  • Motor sports activities
  • Nutritional or health supplements (selling)
  • On-site equipment sales/rentals
  • On-site installation, service or repair of products
  • On-site equipment sales & rentals
  • Oxygen or Aromatherapy bars
  • Paintball equipment/accessories
  • Permanent tattooing
  • Photographers (unless for a single-event home-based photographer)
  • Protective equipment or apparel
  • Storefront operations
  • Tobacco, Cannabis, and Cannabis related products (including e-cigarettes/vapor products)
  • Toys (for ages 4 and under)
  • Unmanned aircraft systems (e.g.: drones, RC aircrafts)
  • Vehicles in motion
  • Weapon sales
  • Watercraft exhibits on water
  • Weight-loss plans or products (selling)
  • Wholesale business operations

 

Note: Please see the application or policy for a complete list of ineligible operations and notable exclusions. This site is for information only.


Risk Management Content

Visit our Risk Management page to access the following important content most applicable to vendors and concessionaires:

Food Handling Checklist for Concession Stands

Lightning Safety

Heat Illness: Avoidance and Prevention

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

Sports Facilities of America Endorsed Insurance Program

| Uncategorized

SFA Endorsed Insurance Program Provides General Liability, Accident, Property, Equipment, and Workers’ Compensation.

Available exclusively to members of Sports Facilities of America, SFA. Covered activities include facility related sports and fitness instruction, skills and drills, strength and agility, batting cage, facility rental, and sponsored youth (19&U) teams/leagues (including tryouts, practices, games and tournaments), youth (19&U) tournament hosting, camps/clinics/skill testing events for the sports and activities selected on the enrollment form. 

Eligible sports include:

Baseball, Softball, Volleyball, Soccer, Tennis, Golf, Flag Football, Ultimate Frisbee, Field-Floor, Hockey, Lacrosse, Basketball, and Strength/Agility. (Ask about other sports)

 

  • $2,000,000 Each Occurrence limit which gives you the high limit protection you need and will satisfy requirements of your landlord and event facility owners.
  • $1,000,000 Sex Abuse & Molestation limit (optional) which is hard to find in the marketplace. In the post Sandusky era, this coverage is a must.
  • $1,000,000 Non Owned And Hired Auto Liability to cover your academy for its liability arising out of the use of staff owned vehicles and rental vehicles.
  • $25,000 Accident limit pays medical bills on behalf of injured participants.

GENERAL LIABILITY LIMITS

$2,000,000 Each Occurrence
$5,000,000 General Aggregate
$2,000,000 Products/Completed Operations Aggregate
$2,000,000 Personal/Advertising Injury
$1,000,000 Damage to Premises Rented to You
$2,000,000 Legal Liability To Participants
$1,000,000 Sex Abuse & Molestation – Optional buy back
$2,000,000 Sex Abuse & Molestation – Each Occurrence Aggregate
  • Must follow recommendations/meet criteria to qualify.
  • No charge to add premises owners as Additional Insured.

GENERAL LIABILITY & ACCIDENT RATES

General Liability (Based on Annual Estimates)

$18.19 per $1,000 of revenue/receipts
$43.71 per tennis/golf team
$59.38 per baseball/softball team
$60.59 per basketball/volleyball team
$75.92 per cheer leading team
$90.89 per soccer team
$113.88per lacrosse team

$7.05 per team for hosted tennis/golf tournaments
$11.50 per team for hosted baseball/softball tournaments
$10.98 per team for hosted basketball/volleyball tournaments
$13.78 per team for hosted cheer leading tournaments
$16.47 per team for hosted soccer tournaments
$20.66 per team for hosted lacrosse tournaments
$0.52 per participant per day – camps/clinics/skill testing

$1,864.35 MINIMUM ANNUAL PREMIUM APPLIES ONLY TO SPORTS TRAINING FACILITIES

Accident (Based on Annual Estimates)

$0.05 per participant per day Sport Training Facility
$10.00 per tennis/golf team
$11.50 per baseball/softball team
$11.50 per basketball/volleyball team
$14.50 per cheer leading team
$14.50 per soccer team
$14.50 per lacrosse team
$2.00 per team for hosted tennis/golf tournaments
$2.50 per team for hosted baseball/softball tournaments
$2.50 per team for hosted basketball/volleyball tournaments
$3.05 per team for hosted cheer leading tournaments
$3.05 per team for hosted soccer tournaments
$3.05 per team for hosted lacrosse tournaments
$0.05 per participant per day – camps/clinics/skill testing

$175 MINIMUM ANNUAL PREMIUM

A $95.00 fee is required to become a registered member of SFA. Being a registered member gives you the opportunity to purchase the coverage mentioned at the rates provided and receive the services shown. The fee is included on the application. For additional information about being a registered SFA member and additional services available to you, please visit the SFA website.

 ACCIDENT

$25,000 Accident Medical – Excess Limit
$1,000 Deductible

View detailed coverage description for General and Accident.


RISK MANAGEMENT PROGRAMS AND REPORTS

Visit our Risk Management page to access the following important content most applicable to sports facilities:

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


 

Sports Teams and Leagues Insurance Programs

| Uncategorized

Sports Insurance for teams and leagues, including Accident and General Liability for baseball, softball, tackle football, basketball, soccer, and most others.

Get an instant online quote in 30 seconds and proof-of-coverage documents in minutes for most programs.

In a recent survey, 97% of our clients graded our overall performance as “A” based on quality protection, low prices, prompt and fair claims payments, and quick issuance of paperwork!

Click here for help in figuring out which of our 9 programs is best suited for your needs.


CUSTOM PROGRAMS


GENERIC PROGRAMS


“We have had Sadler Insurance for our baseball and softball leagues for over 12 years…the price is so much cheaper than any local company can provide.  All of our claims are always paid in reasonable time…” – Larry Collins, Carroll County Dixie Youth Baseball, VA


 RISK MANAGEMENT

Visit our risk management library for the following free reports:

  • Actual “horror stories” about clients like you who have had serious losses or been SUED.
  • “7 Critical Mistakes to Avoid When Buying Sports Insurance”
  • Insurance Coverage Checklist: Find out if your current program passes the test. 90% fail!
  • “Are Waiver/Release Forms Worth the Paper They’re Written On?”  Sample forms provided.
  • League safety program
  • Child abuse/molestation protection program
  • Best sources for criminal background checks.

 SPECIALTY AREAS

  • Athletic Insurance
  • Cheerleading Insurance
  • Directors & Officers Liability Insurance
  • Flag Football Insurance
  • Ice Hockey Insurance
  • League Insurance
  • Referee Insurance
  • Softball Insurance
  • Team Insurance
  • Umpire Insurance
  • Wrestling Insurance
  • Baseball Insurance
  • Club Insurance
  • Equipment Insurance
  • Football Insurance
  • Inline Hockey Insurance
  • Participant Liability Insurance
  • Roller Hockey Insurance
  • Sports Accident Insurance
  • Tennis Insurance
  • Volleyball Insurance
  • Basketball Insurance
  • Crime Insurance
  • Field Hockey Insurance
  • Golf Insurance
  • Lacrosse Insurance
  • Recreation Department Insurance
  • Soccer Insurance
  • Sports Insurance
  • Tackle Football Insurance
  • Track Insurance
  • Water Polo Insurance

Below are the basic policies most sports teams and leagues should be required to carry.

  1. Accident: Pays medical bills on behalf of injured players and staff on an excess basis.
  2. General Liability: Responds to lawsuits arising from bodily injury, property damage and personal / advertising injury.
  3. Directors & Officers Liability (or Trustees Errors & Omissions for municipal recreation departments): Responds to certain lawsuits not covered by General Liability such as discrimination, wrongful suspension or termination, failure to follow your own rules or by-laws, and violation of rights of others under state, federal, or constitutional law.
  4. Property/Equipment: Covers buildings and their content and equipment against loss due to fire, vandalism, theft, etc.
  5. Crime: Covers employee or volunteer embezzlement of funds or theft of property, forgery or alteration of checks by outsiders, and theft of money and securities by outsiders.
  6. Workers’ Compensation: May be required by state law if organization has three or more employees (varies by state law) and pays benefits to injured workers for on-the-job injuries, including medical bills, lost wages, disability lump sums, disfigurement lump sums, and death benefits.
  7. Business Auto: Covers liability and physical damage to owned, non-owned and hired autos.

Consult with your insurance agent about other types of policies such as Liquor Liability, Cyber Liability, Media, etc.


Protecting the sports organization’s directors and officers

Directors, officers, employees, and volunteers of teams and leagues can be exposed to certain types of lawsuits such as financial mismanagement; discrimination based on race, sex, age, or handicap; violation of rights of others under state, federal, and constitutional law; and failure to follow rules or bylaws when making an administrative decision. These types of lawsuits are not covered under a General Liability policy which primarily responds to lawsuits alleging bodily injury of spectators and participants, property damage, personal injury (ex: slander, libel, invasion of privacy), and advertising injury (ex: disparagement of competitor in advertising materials).

A common misconception is that a D&O policy protects against all types of lawsuits, including those alleging bodily injury. Therefore, it’s critical for directors and officers to be protected by a General Liability policy as well.

We have much more information about D&O insurance policies on our blog.

Equipment related liability exposures

Sports InsuranceShould a coach be concerned about 20-year-old helmets that have not been reconditioned or recertified? If the coach is responsible for verifying to the referee that all equipment is in safe operating condition, can the coach be liable in the event of a head injury to a player?

The short answer is that league administrators and team coaches are responsible for the following aspects of equipment safety:

  • Long range planning for the repair, refurbishing, and replacement of equipment. These decisions need to be made far in advance as they can take time to budget and complete.
  • Confirming that all equipment meets current NOCSAE requirements, as well as the requirements of the sports governing body.
  • Inspecting equipment for defects in post-season, pre-season, weekly, and prior to any game or practice.
  • Maintenance, repair, and conditioning on a regular basis.
  • Reconditioning to restore to “like new” basis of safety equipment, such as helmets, should be performed by a reputable reconditioning business as opposed to a staff trainer for liability reasons. NOCSAE may require recertification.
  • Replacing of safety equipment on a periodic basis per manufacturers recommendations of the useful life of the helmet.
  • Recordkeeping for documentation purposes on all of the above.

Coverage for equipment related injuries and resulting lawsuits is likely to exist under most General Liability policies. However, a minority of policies may have a punitive damages exclusion, and willful disregard of known safety protocol could result in punitive damages. In addition, any litigation, even if covered by General Liability insurance, results in a “black eye” for the program, not to mention the emotional drain of league administrators and coaches caused by pretrial discovery and litigation.

For a more detailed resource on equipment safety, see our Risk Management Program for Sports Organizations.

 

Protecting against crime

Here is the most basic thing you need to know about crime insurance:
Crime Insurance covers theft of equipment by employees/volunteers or embezzlement of funds. Equipment Insurance covers loss of sports equipment due to fire, wind, vandalism, theft, etc.

Sports organizations can suffer serious damage from embezzlement and various forms of electronic fraud, which can include but is not limited to employee theft, forgery, and online hacking. Most sports organizations are not properly insured for these all-too-common exposures and rarely have adequate risk management controls in place.

We offer policies for the crimes for which your organization is most susceptible.

 

Traditional Crime Risk Management Controls

In addition to Crime Insurance, we strongly recommended putting in place these basic risk management controls:

  • Requirement of a countersignature on all checks or on checks over a certain amount.
  • One designated person authorized to make deposits/withdrawals, and another to reconcile the bank account.
  • Anyone authorized to use credit cards or debit cards should not be authorized to review the monthly statements.
  • Maintenance of detailed inventory records of all equipment and require a log to be maintained when equipment is assigned or checked out.
  • Creation of an audit committee to review all financial records and statements, and to inventory all equipment.
  • Standard policy of collecting checks, not cash, during fundraisers.

Workers’ Compensation

Workers’ Compensation is a frequently overlooked insurance policy by sports and recreation organizations. Whether or not a particular sports or recreation organization is required to carry Workers’ Compensation varies by state. Most states require an organization to carry Worker’s Comp if they regularly employ three or more employees. Officers are considered employees, and employees of subcontractors may be considered your employees as well. The best way to determine if your organization is required to carry Worker’s Comp is to contact your state’s Workers’ Compensation commission.

However, one thing is certain: any organization required to carry Worker’s Comp that fails to do so can suffer severe penalties and liabilities if a worker is injured.

You can find detailed information and get many of your questions answered in our article “Workers’ Compensation for Sports/Recreation Organizations.”

 

Protecting your drivers and passengers

Auto accidents and related lawsuits are a high risk area for sports and recreation organizations and a Business Auto policy should be a high priority. A Business Auto policy (or Commercial Auto) should cover all owned, non-owned, and hired autos of the sports or recreation organization.

Auto insurance for sports leagues and teamsAn owned vehicle is one that is titled in the name of the sports or recreation organization.The minimum insurance limits set by state financial responsibility laws are too low to cover the damages resulting from an auto accident resulting in moderate to serious bodily injury or property damage. For this reason, it is strongly recommended that sport organizations carry limits that are significantly higher than the minimum state requirements.

A non-owned auto is one owned by an employee or staff member that is used on behalf of the organization for errands such as making a deposit at the bank or making a purchase at the local sporting goods store. Non-Owned Auto Liability coverage protects the sports organization but not the individual driver, who would depend on his or her own Personal Auto Policy for protection.

A hired vehicle is rented from a car rental company or borrowed. Hired Auto Liability coverage protects both the sports organization and the authorized driver when a hired vehicle is used for official organization business.

Detailed information and answers to many of your questions can be found in our article “Business Auto Insurance for Sports/Recreation Organizations.”

Individual Sports Instructors Insurance

| Uncategorized

Specifically designed to meet the unique needs of a U.S. based sports instructor who works on an independent contract basis and is directly supervising an individual or small group engaged in sport-related skills.

Pay just $345 for a rock-solid $1,000,000 Liability Limit that doesn’t 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 with charges for each additional insured. Read the fine print in competitor’s programs!

If you’re the owner of a sports facility or own a business with multiple sports instructors, click here to get a quote to save up to 38% while getting the protection you need.


Limits of Liability and Premiums

COVERAGE OPTION 1 OPTION 2 OPTION 3 OPTION 4 OPTION 5 OPTION 6
Each Occurrence Limit $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
General Aggregate $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
Products/Completed Operations Aggregate $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Personal & Advertising Injury $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Damage to Premises Rented to You $500,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Medical Expense Payments $5,000 $5,000 $5,000 $5,000 $5,000 $5,000
Legal Liability to Participants $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Professional Liability $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
ANNUAL PREMIUM
Program A: Sports Instruction conducted at locations that are NOT owned or operated by the instructor
One (1) Year Premium $305 $345 $518 $768 $1,018 $1,268
Two (2) Year Premium $548 $622 $933 NOT AVAILABLE
Program B: Includes Program A locations and/or instruction conducted at the instructor’s home or residence
One (1) Year Premium $412 $431 $647 $897 $1,147 $1,397
Two (2) Year Premium $740 $778 $1,167 NOT AVAILABLE
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 a one year or two year coverage term.
  • Rates are available 1-1-2020 to 12-31-2020.
  • 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.
  • Notice to agents and brokers: There are no commissions included in this program.
  • Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.

 

Program Eligibility

  • Archery
  • Baseball
  • Basketball
  • Baton Twirling
  • Bowling
  • Cheerleading
  • Cross Country
  • Dance*
  • Fencing
  • Figure Skating
  • Football
  • Golf
  • Hockey
  • Lacrosse
  • Racquetball
  • Road Running
  • Soccer
  • Softball
  • Swimming
  • Table Tennis
  • Tennis
  • Track & Field
  • Tumbling – floor only, no gymnastics apparatus
  • Volleyball
  • Wrestling

* For instruction of dance only. Please visit www.sadlersports.com/dance-instructor.


Program Ineligibility

  • Certified athletic trainers
  • Coaching of organized competitive athletics teams
  • Instructors under the age of 18.
  • Instructors employment as an exempt or non-exempt employee of a school, university or college
  • Instruction of the following activities:
    • Canoeing
    • Kayaking
    • Lifeguarding
    • Cycling
    • Martial Arts**
    • Rowing
    • Diving
    • Scuba Diving
    • Equestrian
    • Skiing
    • Gymnastics
    • Surfing

** More information regarding martial arts instructors insurance.

Exclusions: Please print the application for a complete list of exclusions contained in this policy.


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.


Specialty Areas

  • Baseball Instructor Insurance
  • Football Instructor Insurance
  • Soccer Instructor Insurance
  • Tennis Instructor Insurance
  • Hockey Instructor Insurance
  • Swimming Instructor Insurance
  • Basketball Instructor Insurance
  • Golf Instructor Insurance
  • Figure Skating Instructor Insurance
  • Softball Instructor Insurance
  • Swimming Teaching Pro Insurance
  • Track & Field Instructor Insurance

Sportsplex Owners and Operators Insurance

| Uncategorized

Sports Recreation Facility Insurance, including General Liability, for indoor and outdoor sports recreation facilities

 

Complete one application and get quotes from two leading insurance carriers for sportsplex owners and operators.


Specialty Areas

  • Indoor Sports Facility Insurance
  • Sports Park Recreation Facility Insurance
  • Sportsplex Insurance
  • New Sports Facility Insurance
  • Sports Recreation Facility Insurance
  • Sports Facility Insurance
  • Sports Services Facility Insurance

RISK MANAGEMENT

Click here for reports and articles

Sports facilities, also known as sportsplexes, are complicated to insure because all the various team, league, clinic/sports camp, and public drop-in liability exposures are present under one roof. Below is a brief listing of some sportsplex exposures, but more detailed information can be found in our article, “General Liability Concerns for Sportsplexes.”

  • TEAMS/LEAGUES, whether the organizations are managed by the sportsplex or by outside organizations that lease the premises.
  • CAMPS/CLINICS/INDIVIDUAL SPORTS INSTRUCTORS, whether actually managed by the sportsplex or the facility is leased to conduct activities.
  • SPECIAL EVENTS, which can include parties, sleep-ins, fundraisers, company social outings, etc.
  • PUBLIC DROP-INS, where the public pays one-day fees to participate in activities.
  • PRODUCT SALES, such as food, drinks, alcoholic beverages, sporting goods, clothing, etc.
  • 24 HOUR PREMISES, because a sportsplex either owns the facilities or has a long-term lease, it bears the responsibility for any injuries occurring after hours and/or the off season.

Food concessions and alcohol sales

Food concessions pose a liability risk from improper food handling that can result in food poisoning. We offer tips below to help prevent such risks. More information on concession safety is available in our “Food Safety in Concessions” article and infographic.

  • Concession stands are required to adhere to all local food licensing and permit laws and regulations.
  • Proper food handling training should be mandatory for all concession workers and management.
  • Food items should only be purchased from trustworthy, good-quality sources.
  • Never purchase or serve food past its date of expiration.
  • Discourage the sale of foods prepared at home, other than baked goods.

Sportsplexes selling alcoholic beverages may liable for injuries to patrons or third parties that result from such sales under the following circumstances:

  1. Patron is not of legal drinking age
  2. The patron is obviously intoxicated
  3. Laws or ordinances imposing “strict liability” for the sale of alcoholic beverages, even if such sale was the “proximate cause” of the injury can’t be proved.

Please see our article “Liquor Liability for Sportplexes” for more information on this topic.

Leasing the facility

Sportsplexes often make their facilities available to other organizations in exchange for rental income or to accommodate community events. The owners and management are always at risk of something going awry when someone else has use of or is controlling the property. As such, it’s important to guard against lawsuits with a facility lease agreement which includes an indemnification/hold harmless provision and an insurance requirements provision. The indemnification/hold harmless provision should require the lessees (outside facility users) to indemnify and hold harmless the facility owner and respective directors, officers, employees, volunteers, staff, etc. against all claims of third party liability (ex: spectator and participant injury), including reasonable attorney’s fees, in the event the lessee is either wholly or partially negligent. We have much more information on leasing of facilities in the risk management section of our website.

Waivers and releases

A waiver/release is a contract that attempts to excuse or relieve the sportsplex owner and employees for injuries arising from risks in an activity including the inherent risks of that activity (such as a fall from a rock climbing wall). It’s important that your sportsplex have a well-drafted waiver/release prepared by an attorney for all participants to sign before participating in activities in the facility. In the event of minors, the waiver/release should be signed by both the parent/guardian and the minor. Waiver/release agreements should be required of all participants, whether managed by the sportsplex or by an outside user group. You can learn much more about the complexities of waivers and releases in our article “Are Waiver/Releases Worth the Paper They Are Written On?”

Signage

Signage in a sportsplex serves two roles: The first is for the safety of patrons and the second is to protect the business and employees from liability claims. There are various type of signs, each of which protect against different risks.

  • Warning signs serve to remind patrons of safety procedures and caution them of potential dangers. Wet floors in restrooms and concession areas and improper use of equipment are examples of things to which patrons need to be alerted.
  • Policies and procedures signs range from general policies posted at the front desk to issues of sanitation and courtesy throughout the facility. Examples include minimum age requirements of patrons and policies regarding food and beverages in activity areas.
  • Announcement signs alerting customers about special events and classes should be placed so they don’t interfere with or distract from any safety or policy signs.
  • Directional signs designating exits, ADA-facilities and equipment, emergency exit plans, location of safety equipment (fire extinguishers, first aid kits, alarms, etc.) should be professionally generated and posted according to local building regulations.

Abuse/Molestation

Any organization that supervises kids has a legal responsibility to prevent injuries of any kind. Child abuse and molestation, unfortunately, can take place anywhere, and any program where adults supervise children is fertile ground for predators. There is no foolproof method to prevent sexual abuse and molestation, but safeguards can be put in place. We encourage you to visit our risk management section where we provide for free a Child Abuse and Molestation Protection Program, Child Abuse and Molestation Handout for Parents, and specific information on conducting criminal background checks.