Special Events (Non-Sports) Insurance

| Uncategorized

Instant Online Quote in 5 Seconds Offers Broad Coverages at Savings Up to 38%

If you are a vendor/concessionaire and are not directly hosting the event, visit our Vendor / Concessionaire website for coverage information and rates.


LIABILITY LIMITS (higher limits available)

$5,000,000 General Aggregate (other than Products-Completed Operations)
$1,000,000 Each Occurrence
$1,000,000 Products/Completed Operations Aggregate
$1,000,000 Personal & Advertising Injury
$1,000,000 Damage To Premises Rented To You (Fire Legal Liability)
$5,000 Medical Expense Payments

Plan A: Limited Special Event: Invitation Only Events, Single Day Coverage, 500 or less attendees

PREMIUM

Total Event Attendance Premium
0-200 without host liquor $140
0-200 with host liquor $194
201-500 without host liquor $206
201-500 with host liquor $288

Plan B: Standard Special Event: Open-to-the-public, Private Events, One or more coverage days, up to 3,000 in attendance.

PREMIUM

Total Event Attendance Premium
1,500 or less $430
1,501 to 3,000 $655
  • Premium is fully earned at inception and non-refundable
  • Liquor Liability and Medical Payments to Participants available. See application for details.

Eligibility Criteria

  • Maximum total attendance per event is 3,000 or less.  (If the attendance is over 3,000 for an event, please download the printable application that can be submitted)
  • Maximum number of consecutive event days (not including set-up or tear down) is 10.
  • Event is held at a single location.
  • Event must take place in the United States.

  • Available 01-01-2022 to 12-31-2022.
  • No charge for Additional Insureds
  • Premium is fully earned at inception and non-refundable
  • ALL APPLICANTS:  A $15 RPG fee is required by the carrier for all applications.  The costs include the premium and the $15 RPG fee.  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.
  • Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.

Eligible Events

  • After-prom parties (school-sponsored event only)
  • Auctions
  • Award ceremonies
  • Balls/dances
  • Banquets
  • Bar/Bat Mitzvahs
  • Bazaars
  • Bingo games (charity/fundraising only)
  • Book signings/Card games/events (charity/fundraising only)
  • Car washes (charity/fundraising only)
  • Casino events (charity/fundraising only)
  • Car/motorcycle/RV/boat shows (static display only)
  • Celebrations (holidays, graduations, grand openings)
  • Chamber of Commerce business events/mixers
  • Charity events
  • Chess events
  • Christmas lighting ceremony
  • Christmas caroling (single location)
  • Cooking contests
  • Concerts (other than rap or hip hop, heavy metal/screamo, or electronic/techno music.) Not available for online purchase, please download a printable application for submission.)
  • Conventions
  • Debuts or debutante balls
  • Dinners, luncheons, showers
  • Direct selling consultant parties
  • Easter egg huts
  • Festivals
  • Film screenings/showings
  • Farmers’ markets
  • Flea Markets
  • Graduation ceremonies
  • Job fairs
  • Lectures/Seminars
  • Meetings
  • Memorial services
  • Parties
  • Poetry readings
  • Picnics (no in or on water activities)
  • Pageants
  • Proms
  • Quinceaneras
  • Reunions
  • Religious events
  • Recitals (dance, music)
  • Sales (bake, charity, consignment, estate, garage)
  • Social gatherings/receptions
  • School band or dill team competitions
  • School carnivals (no rides/inflatables)
  • Speaking engagements
  • Showers (baby, bridal, wedding)
  • Shows (animals-arena setting only antique, art, baby, business, collector, consumer, craft, fashion, flower, garden, home, stage, wedding)
  • Tailgating (subject to underwriting approval)
  • Talent search/shows (children only)
  • Telethons
  • Theatrical performances or musicals
  • Walking tours (garden, holiday, parade of homes, historical sites: single location)
  • Wedding activities (rehearsal, ceremony, reception)

Ineligible Events

Certain event types are not eligible for coverage by this program. We reserve the right to decline any request for coverage. Operations not eligible for this program include, but are not limited to the following:

  • Activists rallies/marches/protests
  • Air shows / events
  • Animal obedience training
  • Any events involving organized athletic events and competitions
  • Balloon Festivals
  • Bonfires
  • Cannabis related events
  • Christmas tree sales/lots
  • Circuses
  • Cinematography or photography events for commercial use
  • Color party, foam party or raves
  • Dance Competition
  • Any events held on airport premises
  • Any events and/or concerts involving rap, hip-hop, heavy metal/screamo or electronic/techno music
  • Food eating contests
  • Any events honoring national/local celebrities or professional athletes
  • Fraternity/Sorority events (except alumni association off-site events that have been reported and approved by us)
  • Geocaching events
  • Gun and/or knife shows
  • Any events providing overnight accommodations.
  • Battle reenactments
  • Haunted attractions/events
  • Health Fairs/expositions
  • Any events involving In or On Water activities
  • Mazes (corn, hay or fence)
  • Pumpkin chucking events
  • Parades (or any event involving a parade)
  • Political events (except private fundraising auctions, benefits, dances, dinners)
  • Rodeos
  • Seances
  • Tractor pulls
  • Tailgating events
  • Union meetings
  • Walks/running events
  • Events involving any motorized vehicle(s) in, or while in practice for, or while being prepared for, or while qualifying for, or while testing for any racing, speed, demolition, distance, or stunting activity.

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


Coverage Effective Dates and Certificates of Insurance


RISK MANAGEMENT CONTENT

Visit our Risk Management page to access the following important content most applicable to cheer schools/gyms:

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.

 

SODA Amateur Sports Insurance

| Uncategorized

In our continuing efforts to be recognized as “the organization” devoted to the advancement of recreational sports facilities, SODA is again proud to offer many benefits, as well as, the SODA Amateur Sports Membership Insurance Program. Amateur sports teams and leagues both adult and youth – in the sports listed below are eligible to participate in this national program. We also offer coverages for tournaments, youth camps & clinics, sports officials and field owners for the sports referenced at the bottom of this page.

The SODA Insurance Program combines broad coverages, highly competitive prices, and exemplary service in terms of processing paperwork, answering questions and claims administration.

Become an affiliate member of SODA and qualify for insurance program options. Prices shown include affiliate membership fees and insurance rates.


 2022 SODA INSURANCE CHARGES

Rates available 01-01-2022 through 12-31-2022 (all charges include affiliate membership fees and insurance rates)

No commissions are payable to insurance agents.

Note: If you exceed the maximum number of players per team for your sport shown below, you must purchase coverage for additional teams to make up the difference.

YOUTH TEAM INSURANCE
(charges are per team) (Coverage expires one year from effective date.)
Sport Max # of Players per Team $100,000 Medical Only* $100,000 Medical and $2 Million Gen. Liability* $100,000 Medical and $5 Million Gen. Liability*
Archery / Wiffleball / Frisbee / Golf / Volleyball

10

$32.34

$92.53

$100.49

Bocce Ball / Lawn Bowling / Croquet

10

$32.34

$92.53

$100.49

Cornhole / Frisbee Golf / Pickleball / Tennis

10

$32.34

$92.53

$100.49

Baseball / Cricket / Kickball / Softball / Squash

18

$32.34

$133.70

$145.65

Basketball / Field Hockey

18

$32.34

$145.71

$160.32

Dodgeball

18

$32.34

$159.43

$175.36

Soccer / Futsal

18

$39.68

$153.04

$167.65

Inline Hockey (includes Deck, Street, Floor) / Lacrosse

18 Hockey / 24 Lacrosse

$39.68

$175.34

$192.60

Flag Football

25

$39.68

$175.34

$192.60

Streetball

8

$7.57

$120.94

$135.54

ADULT TEAM INSURANCE
Charges are per team. Coverage expires one year from effective date.
Class 1 Sports Max # of Players per Team $100,000 Medical Only $100,000 Medical and $2 Million Gen. Liability $100,000 Medical and $5 Million Gen. Liability $2 Million General Liability Only (Waiver Required) $5 Million General Liability Only (Waiver Required)
Archery / Wiffleball / Frisbee / Golf / Volleyball

10

$59.89

$120.08

$128.05

$96.24

$108.19

Bocce Ball / Lawn Bowling / Croquet

10

$59.89

$120.08

$128.05

$96.24

$108.19

Cornhole / Frisbee Golf / Pickleball / Tennis

10

$59.89

$120.08

$128.05

$96.24

$108.19

Baseball / Cricket / Kickball / Softball / Squash

20

$59.89

$161.25

$173.20

$156.91

$175.50

Basketball / Field Hockey

18

$59.89

$173.26

$187.87

$178.56

$201.14

Dodgeball

18

$59.89

$186.98

$202.92

$204.28

$229.51

Inline Hockey (includes Deck, Street, Floor) / Lacrosse

25

$59.89

$195.55

$212.82

$216.29

$242.85

Flag Football

25

$59.89

$195.55

$212.82

$216.29

$242.85

Streetball

20

$17.73

$131.10

$145.71

$178.56

$201.14

Class 2 Sports Max # of Players per Team $100,000 Medical Only $25,000 Medical and $2 Million Gen. Liability $25,000 Medical and $5 Million Gen. Liability $2 Million General Liability Only (Waiver Required) $5 Million General Liability Only (Waiver Required)
Soccer / Futsal

20

$241.30

$641.03

$668.92

$204.28

$229.51

TOURNAMENT INSURANCE
Limited to 3 days or less.Charges are per tournament.See above for maximum # players per team.
Class 1 Sports

Youth

Adult

Adult

$100,000 Medical and $2 Million General Liability $100,000 Medical and $5 Million General Liability $100,000 Medical and $2 Million General Liability $100,000 Medical and $5 Million General Liability $2 Million General Liability Only (Waiver Required) $5 Million General Liability Only (Waiver Required)
Less Than 25 Teams 25-50 Teams Less Than 25 Teams 25-50 Teams Less Than 25 Teams 25-50 Teams Less Than 25 Teams 25-50 Teams Less Than 25 Teams 25-50 Teams Less Than 25 Teams 25-50 Teams
Archery / Wiffleball / Frisbee / Golf / Volleyball

$435.87

$547.36

$466.42

$591.18

$449.37

$560.86

$479.92

$604.68

$386.12

$564.49

$435.25

$634.87

Bocce Ball / Lawn Bowling / Croquet

$435.87

$547.36

$466.42

$591.18

$449.37

$560.86

$479.92

$604.68

$386.12

$564.49

$435.25

$634.87

Cornhole / Frisbee Golf / Pickleball / Tennis

$435.87

$547.36

$466.42

$591.18

$449.37

$560.86

$479.92

$604.68

$386.12

$564.49

$435.25

$634.87

Baseball / Cricket / Kickball / Softball / Squash

$435.87

$547.36

$466.42

$591.18

$449.37

$560.86

$479.92

$604.68

$386.12

$564.49

$435.25

$634.87

Basketball / Field Hockey

$442.73

$555.93

$473.27

$601.08

$456.23

$569.43

$486.77

$614.59

$394.68

$576.50

$443.81

$648.21

Dodgeball

$495.88

$636.55

$533.07

$692.33

$509.39

$650.05

$546.57

$705.83

$385.95

$482.16

$435.09

$541.92

Inline Hockey (includes Deck, Street, Floor) / Lacrosse

$446.15

$571.37

$478.03

$619.18

$459.65

$584.87

$491.53

$632.68

$399.83

$600.51

$450.30

$676.21

Flag Football

$446.15

$571.37

$478.03

$619.18

$459.65

$584.87

$491.53

$632.68

$399.83

$600.51

$450.30

$676.21

Streetball

$416.57

$476.62

$453.75

$521.77

$368.50

$428.55

$368.50

$473.70

$399.94

$482.16

$450.41

$541.92

Class 2  Sports

Youth

Adult

Adult

$100,000 Medical and $2 Million General Liability $100,000 Medical and $5 Million General Liability $25,000 Medical and $2 Million General Liability $25,000 Medical and $5 Million General Liability $2 Million General Liability Only (Waiver Required) $5 Million General Liability Only (Waiver Required)
Less Than 25 Teams 25-50 Teams Less Than 25 Teams 25-50 Teams Less Than 25 Teams 25-50 Teams Less Than 25 Teams 25-50 Teams Less Than 25 Teams 25-50 Teams Less Than 25 Teams 25-50 Teams
Soccer / Futsal

$442.73

$555.93

$473.27

$601.08

$1,667.85

$1,923.40

$1,728.94

$2,016.37

$782.35

$1,187.14

$880.62

$1,335.88

CAMP & CLINIC INSURANCE: YOUTH ONLY

$4.53 per PERSON per DAY for $100,000 Medical and $2,000,000 General Liability
$5.86 per PERSON per DAY for $100,000 Medical and $5,000,000 General Liability

Coverage is only for those dates listed on the enrollment form.
Only for sports listed under Youth Team Insurance.

SPORTS OFFICIALS INSURANCE:

$10.14 per Official for $100,000 Medical and $2,000,000 General Liability
$11.47 per Official for $100,000 Medical and $5,000,000 General Liability

Only available for officials while officiating sports listed under Team Insurance above.
Coverage expires one year from effective date.

FIELD OWNERS:

$1,216.30 per field owner/per field for $2,000,000 General Liability
$1,367.69 per field owner/per field for $5,000,000 General Liability

May only be purchased by field owner.
Coverage expires one year from effective date.

 

ADDITIONAL COVERAGES

THE FOLLOWING ADDITIONAL COVERAGES ARE AVAILABLE ONLY IF YOU ARE PURCHASING ACCIDENT & GENERAL LIABILITY FOR A LEAGUE OR ASSOCIATION.

  • DIRECTORS & OFFICERS LIABILITY (Liability coverage for the governing board of directors in case they are sued as a result of decisions they make such as failure to follow rules/bylaws, terminating players or coaches, failure to properly manager league financial affairs, etc.) $1,000,000 Liability $315 per governing board / $2,000,000 Liability $473 per governing board
  • CRIME INSURANCE (Theft or embezzlement by volunteers) $25,000 Limit $200 per governing board
  • EQUIPMENT COVERAGE (Available if the insured organization owns equipment)  $2.00 per $100 of coverage (subject to minimum premium of $200.)

Click Here for applications and coverage descriptions. NOTE: These optional coverages are not available when you only purchase coverage for individual teams, tournaments, camp & clinics, sports officials, and/or field owners liability.

RISK MANAGEMENT  Click here for access to the following free reports:

  • Actual horror stories about clients like you who have been SUED!
  • Find out if your current coverages are good enough with our Insurance Coverage Checklist. 90% fail this test!
  •  7 Critical Mistakes to Avoid When Buying Sports Insurance!
  • Sample waiver/release forms for minors and adults
  • Safe Sport Child Abuse Protection Plan
  • Concussion Risk Management Plan
  • COVID-19 Risk Management Resources

NAYS Team/League Insurance

| Uncategorized

As of 02/01/2022 the following programs will be replacement options for the prior NYSCA / NAYS Team & League program.

Option 1:  Youth Team/League (1-2 Teams) – Please click HERE to complete an application for coverage through Sports Plex Operations and Developments (SODA) Program.

Please note that premiums for this program are based on per team rates. Sexual Abuse & Molestation and Non-Owned/Hired Auto coverage can be purchased on an optional basis for a flat charge.

Option 2:  Youth Team/League (3+ Teams) – Please click HERE to complete an application for coverage through Amateur Teams & Leagues.

Please note the premium for this program is based on the number of participants per sport, as well as the option of coverage you select. Coverage for Non-Owned/Hired Auto is automatically built into this program. At the current time, coverage for Sexual Abuse & Molestation is not available. The policy period is one full year from the effective date.

 

In both cases, Directors & Officers, Crime, and Equipment coverage can be purchase on an optional basis. These coverage lines are only available to Not for Profit Organizations.

 

If you would like to discuss which program would be a best fit for your organization, please contact 800-622-7370 to speak with a Sadler representative.


Risk Management Content

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

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

Brain Injury/Concussion

Coronavirus/COVID-19

Other Serious Risks

Most Common Risks

Document Retention In Event Of Litigation 

Written Risk Management Plans Pull Together Above

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

NFAA-Endorsed Archery Insurance Program

| Uncategorized

Instant Online Quote in Less than 30 Seconds Offers Broad Protection at Savings Up to 37%!

Available to Members of the National Field Archery Association

Apply Online and Receive Proof-of-Coverage Documents in 12-24 Business Hours (Pending Membership Charter Verification for club)

Thank you for providing this online service. It was so easy to fill out. The quick response time was very helpful. I really appreciate receiving the COI within hours. I will definitely spread the word to other archery clubs about the great service you provide.K. Keating, Black Mountain Bowmen


Liability Limits

General Liability (includes 24-hour Premises Liability)

$5,000,000 General Aggregate (per event)
$1,000,000 Per Occurrence
$1,000,000 Products/Completed Operations Aggregate
$1,000,000 Personal/Advertising Injury
$300,000 Damage To Premises Rented to You
$1,000,000 Legal Liability to Participants
No Coverage Premises Medical Payments
No Coverage Sexual Abuse and Molestation

Accident Medical (Chartered Club)

$50,000 Maximum Per Member
$250 Deductible


Accidental Death & Dismemberment (Chartered Club)

$10,000 Maximum Per Member

Charges for NFAA Archery Only Club Insurance Program

Club Size Charge
80 or fewer members with no more than 200 acres $489.99
Cost per each member over 80 $6.20
Cost per acre over 200 $1.79

Available 01-01-2022 to 01-01-2023

No charge to add landowners as additional insureds.

Additional charges will apply for bowhunting clubs and use of tree stands. See application for details.

Additional charges will apply for shoots with more than 300 participants. Call us for the rates if you will be hosting a shoot with more than 300 participants.

 

Charges for NFAA State Association Insurance Program

$1,000,000 General Liability $227.20

Optional: Event Insurance for Competitions Run by State Associations at Their Premises or Other Premises (includes Accident Medical): $2.79 per participant per event/$42.00 minimum premium per event

Optional: Archery Leagues Run by State Associations (includes Accident Medical): $204.00 flat charge per league


For all other outdoor activities or organizations not affiliated with the National Field Archery Association, please contact us at 1-800-622-7370 or email us.

Sports & Rec Association Insurance Programs

| Uncategorized

Protect Your National Organization and Members against Catastrophic Lawsuits with the Most Cost-effective Insurance and Risk Management Solutions!


4 Major Liability and Insurance Concerns

Whenever we talk to state/regional/national sports and recreation organizations about their insurance and risk management programs, most have the following major concerns:

  1. Embarrassment of a High-dollar Lawsuit but Not Having the Proper Insurance Coverage.
    No director or officer wants to be remembered like the captain who sank the Titanic. We’ve witnessed numerous little known icebergs over the past 25 years that could have been prevented by a vigilant insurance agent.
  2. Being Personally Wiped Out in a Lawsuit. When there is a lawsuit, lawyers often go after the individual officers and directors in addition to the sports organization. Are you 100% sure that if your sports organization is sued, that your home, retirement, savings account, or your children’s education funds won’t be on the chopping block?
  3. Wanting to Prove Your Value to Your Members by Offering an Outstanding Insurance Plan.
    Simply put, you want the best possible coverage for the lowest possible cost.
  4. Offsetting Association Expenses.
    Your organization can earn an administrative or marketing fee (if allowed by state law) by performing certain non-insurance services related to your endorsed insurance plan.

What You Need To Know Before You Solicit Quotes For Your Insurance Program

5 Step Insurance Process For Sports And Recreation Organizations – You will need an insurance agent with qualifications and experience in the sports niche to walk you through this process. You need more than just a salesman.

The Problem With The Traditional Insurance Bidding Process – Read this before you select more than one insurance agent for a sports insurance quote.

How To Choose A Sports Insurance Agent / Broker – See the qualifications you should look for when selecting the one insurance agent to market your account.

How To Know If You Are Paying A Fair Sports Insurance Premium – You don’t necessarily need to market your account to find out if you are paying a fair price for your insurance. Learn the simple metrics that underwriters use to determine if your rates are adequate.

 

Has Your Insurance Agent Provided These Services?

Have you ever had a meeting with your insurance agent that went like this?

  • Your agent discussed the 8 different insurance policies that all national sports and recreation organizations must have to protect the organization and the personal assets of the directors and officers.
  • Your agent explained that 78% of all uncovered claims result from little known coverage loopholes that can best be detected by using a customized checklist.  All of your policies under this checklist were scrutinized and the different types of properly losses and lawsuits that are not covered under you insurance program were disclosed to you.
  • For each of these coverage loopholes that could have a catastrophic impact on your organization’s or your personal finances, you were offered a quote to add these additional coverages, if insurance was available at all, or offered non-insurance solutions.  Based on this information, you were able to make the decisions that were in the best interest of your organization.
  • The agent read all of your important contracts with a critical eye, including lease agreements with landlords and facility owners, tournament host agreements, membership agreements, approved supplier agreements, bylaws, articles of incorporation, rulebooks, safety programs, etc.  He or she pointed out all provisions that exceeded you insurance coverages and where you have unfairly assumed the liability of another party through an indemnification agreement.  He or she suggested how to reword certain provisions to pass the risk of loss to a third party whenever feasible and offered to negotiate this on your behalf.
  • The agent revealed troublesome provisions that have resulted in unnecessary problems or lawsuits for his or her other sports organization clients.  He or she even recommended a new paragraph that could be added to your rules or policies and procedures manual that could instantly result in your being dropped from many lawsuits.
  • Your agent reviewed how your members could access a team of nationally recognized and respected sports risk management specialists who could offer free advice on issues ranging from ADA compliance for handicapped participants to sexual abuse/molestation.
  • Your agent discussed offering customized risk management programs for your members to help prevent injuries and to minimize lawsuit risks and how a written risk management program “thickens” your shield and shows a judge and jury how much you care.
  • Your injury reporting procedures were reviewed and the agent explained how most claims administrators don’t collect the proper data on the Accident claim form about an injury to provide you with meaningful information on how they can be prevented.  He or she set up and designed a proper injury survey and agreed to track the results on your behalf.
  • If your sports organization has youth members, your agent offered to customize and implement a simple Sexual Abuse/Molestation protection program that includes all of the necessary forms.  He or she explained how such a program shows a judge and jury how much you care and “thickens” your shield.
  • Your agent offered to create a special website that explains all of your basic coverages, optional coverages, frequently asked questions, and customer service options such as requesting a claim form or adding an “Additional Insured” and which contains an online application if your program is optional participation.  Furthermore, as a matter of convenience, he or she explained how payments can be made with an Internet or faxed check.

If you have not had this type of meeting with your agent, perhaps it’s time to contact John Sadler at Sadler & Company.


Some of Our Current Clients

  • American Youth Football
  • Big Shots Basketball
  • Dixie Youth Baseball
  • Dixie Boys/Majors
  • Dixie Softball
  • Dizzy Dean Baseball
  • National Field Archery Association
  • National Alliance for Youth Sports
  • National Youth Sports Coaches Association
  • Upward Sports
  • Men’s Senior Baseball League
  • National Junior Basketball League
  • United States Youth Cricket
  • USA Canoe/Kayak
  • SC High School League
  • SC Independent Schools Association
  • American Canoe Association
  • Louisiana Youth Soccer Association
  • Sportsplex Operators and Developers Association

We Have Never Been Fired by a Major Client in Over 35 Years!

“We could not pass on the opportunity to express our sincerest gratitude to you and your company. The knowledge, support and honesty that we have enjoyed while working with you has been a genuine pleasure. Over the years, you have saved us significant funds that were able to be used to advance our organizational mission. The advice you have offered has been invaluable, no-nonsense, straightforward and on-target, making sure that we have what we need at the best possible price. Your interest in telling us what we need to hear, even if it might cost you a contract, is so rare in your industry that Sadler and Company stands out as a real friend to non-profit associations. You work so hard for your clients’ interests that there is no question your company will continue to be a driving force and key player in the sports insurance industry. We are very proud of our relationship and look forward to years of growing together.” – D. Michael Pfahl, President, DMP Consulting, Inc.

“Dixie Softball has had two major claims made against it… without the guidance of Sadler & Company both cases would have spelled the end of DSI as a non-profit softball program for girls ages 5 to 18.” – Obie Evans, Dixie Softball, Inc.

Click Here to View Actual Testimonial Letters


 Technology Services

Sadler & Company is the industry leader in developing online insurance quotes and certificate issuance engines that allow members of sports organizations to receive instant service.

For example, our sports team/league clients can visit our customized website, get a quote/proposal in seconds, apply for coverage and pay with a credit card or check, and instantly receive proof-of-coverage documents within minutes.

Our websites can be customized to handle your team/league registration process concurrent with the insurance enrollment.

In a recent survey, members of a sports organization cited ease of doing business and speed of service as equally important as receiving competitive prices and broad coverages.

Call Sadler & Company at 800-622-7370 to request a “test drive” tour of existing sports programs that are taking advantage of this technology and loving it!


Carriers Represented

General Liability And Excess Liability Accident
K & K Insurance Group (Nationwide, National Casualty and Scottsdale) Francis L. Dean
American Specialty K & K (Nationwide, The Hartford)
AIG AIG
Francis L. Dean Chubb (ACE)
Bollinger (Markel)
Philadelphia Insurance Companies
Directors & Officers Liability Property, Business, Auto, Workers’ Compensation
Philadelphia Insurance Companies The Hartford
Chubb AIG
AIG Travelers
Zurich Zurich
Nationwide

Sadler & Company is a single source broker that can represent virtually every MGA or insurance carrier on your behalf that specializes in the sports and recreation niches.

Furthermore, these MGAs and insurance carriers are familiar with Sadler & Company and work hard on your behalf to provide you with the best combination of broad coverages and competitive prices.


Sadler Provides the following exclusive audits that help to guarantee that you are receiving the best protection for the lowest possible cost: 

  1. Audit of insurance policies to uncover little-known exclusions and pitfalls that are commonly found in many sports and recreation insurance policies.
  2. Audit of 31 different types of contracts and content entered into or used by most sports and recreation organizations. This audit protects you against not complying with insurance requirements of others and unknowingly accepting risk of loss when such risk should be transferred to the other party to the contract.
  3. Actuarial audit of your premiums to make sure that the rates are set at a level where the carrier is not gouging you or your members. Our sophisticated software models allow us to assess the correct pricing where you enjoy the absolute lowest cost while the insurance carriers are able to earn a small but reasonable profit.

Call John Sadler at (800) 622-7370 to request an appointment to learn how Sadler & Company will outthink and outwork the competition in providing you with peace of mind that you have obtained the best protection plan (both insurance and non-insurance) at the lowest possible cost delivered with astonishing attention to detail and flexibility. 

Martial Arts Schools & Programs Insurance

| Uncategorized

This program has been designed for U.S.-based martial arts schools and other organizations specializing in the instruction of martial arts. Coverage provided includes important liability protection for the school or organization, including its employees and volunteers, for liability claims arising out of its operations.

Instant Online Quote in 5 Seconds Offers Broad Coverages that Protect Studio Owners Against Losing Everything in a Lawsuit!

Beware of other programs that have exclusions for Assault & Battery or Punitive Damages and no coverage for Non-Owned/Hired Auto Liability or Abuse & Molestation as these problems can expose you to uncovered lawsuits. Read the fine print in the competitor’s programs.

Martial Arts Studio owners applaud:  “No more hassle and frustration in filling out a long application and waiting days or even weeks to get a quote!”

If you are an individual martial arts / self-defense instructor that does NOT own or long term lease a facility or are simply working on behalf of a studio or program, click here for individual martial arts / self-defense instructor coverage.


COMMERCIAL GENERAL LIABILITY LIMITS (CGL)

$5,000,000 General Aggregate (Other than Products-Completed Operations)
(per owned location)
$1,000,000 Each Occurrence
$1,000,000 Personal/Advertising Injury
$1,000,000 Products/Completed Operations Aggregate
$1,000,000 Legal Liability to Participants
$1,000,000 Professional Liability
$1,000,000 Damage To Premises Rented to You
$5,000 Medical Expense (other than participants)
$1,000,000 Non-Owned and Hired Auto Liability (not provided while in HI)

MEDICAL PAYMENTS FOR PARTICIPANTS

$150,000 Maximum Limit including Dental
$250 deductible Applies to each claim.
  • Coverage is provided on an excess basis, responding after all other medical coverage available to the participant (such as family health insurance) has been exhausted. The deductible may be reduced by payment made by other collectible insurance.
  • Two-year benefit period from the date of the accident.

GENERAL LIABILITY AND MEDICAL PAYMENTS FOR PARTICIPANTS PREMIUMS

Plan Rate Per Student at Peak Point of Annual Enrollment
Martial Arts Option One ($1,000,000 CGL Limit)
Annual Minimum Premium: $750.00
$18.90

Above rates are based on $1,000,000 each occurrence policy limit. Higher limits are available during online application process.

  • There is no charge for Additional Insureds
  • Rates available 01-01-2022 to 12-31-2022
    Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.

 Optional Non-registered Member Coverages

Subsidiary Activities*: $14.50 per participant

Birthdays/Social Parties: $16.50 per party

Includes coverage for yoga/exercise, meetings/seminars, tumbling (floor only), theater arts/drama, basketball/volleyball and other activities.


Eligible Operations

Aikido Judo Savate*
Brazilian jiu jitsu Jujitsu Sayoc kali*
Capoeira Kali/escrima* Shaolinqan
Chi kun Karate** Taekwondo
Dim mak* Kenjitsu Tai Chi
Fitness Boxing (non-contact) Kickboxing (cardio/fitness only) Taijiquan
Goju-ryu Kickboxing (contact/sparring) Tang soo do
Haganah* Krav maga Thai boxing/muay thai*
Hapkido Kung Fu Wushu
Jeet kune do Mixed Martial Arts (Ultimate/extreme/cage fighting)*

* Coverage for these styles apply only to instruction/training type of program. Events/competitions/tournaments in which the insured’s members participate with these styles are excluded and not covered under this program.

**Karate includes various styles such as: Chito-ryu, Goju-ryu, Isshin-ryu, Shuri-ryu, Kyokushinkai, Seido juku, Keichu do, Keichu-ryu, Shorin-ryn, Shotokan, Shito-ryu, Uechi-ryu, Wado-ryu and Yoshukai karate.

 

Ineligible Operations

Operations not eligible for this program include, but are not limited to, the following:Please print the application for a list of exclusions contained in this policy.

Boxing (contact/sparring) Training programs for law enforcement, public safety and military personnel
Trampoline Parks or Facilities Wrestling

Exclusions

Please print the application for exclusions contained in this policy.


ADDITIONAL COVERAGES

Equipment and 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.

Replacement Cost Value Deductible Premium Minimum Premium
$1 – $10,000 $250 Replacement Cost Value X .03 $100
$10,001 – $100,000 $1,000 Replacement Cost Value X .026 $100
$100,001 and Up $2,500 Replacement Cost Value X .026 $100

Sexual Abuse or Sexual Molestation Liability Coverage or Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement

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. Limit is part of, and not in addition to, the general liability limit selection.

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

OPTIONS: RATES:
Option 1: $1,000,000 Sexual Abuse or Sexual Molestation Liability Martial Arts- $2.10 per participant

Non-Registered Member Activities- $1.86 per participant

Birthday or Social Party- $2.30 per party

($150 min premium)

Option 2: $100,000 Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement $100.00 (Flat Rate)

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
  • 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.


Specialty Areas

Aikido
Capoeira
Fitness Boxing
Judo
Jujitsu
Karate
Karate School
Kickboxing
Kung Fu
Karate Studio
Martial Arts
Martial Arts School
Martial Arts Studio
Tae Kwon Do
Tai Chi

 

International Travel Insurance for Sports Teams

| Uncategorized

International Travel Insurance includes Medical, Evacuation, Accidental Death and Dismemberment, Interruption, Lost Luggage, and more.

 

Instant Online Quote, Payment, and Policy Issuance Results in Savings of Up yo 38% for Traveling Sports Teams in No Time Flat!


This important protection is much needed by sports teams from the U.S. that travel outside of the U.S. or by foreign sports teams traveling to the U.S.  In order to qualify for this discounted coverage, the sports team must consist of at least 10 athletes and/or administrators.

Why buy Travel Insurance? Athletes on sports teams traveling outside their home country face numerous perils. An unexpected illness or accident may result in medical services that are not adequately covered by existing insurance due to territorial limitations, high co-insurance or high deductibles. In addition, a serious illness or accident may require hospitalization or even air evacuation to another country with more sophisticated medical services. Air evacuation charges may easily exceed $25,000.  All of these perils subject athletes to significant financial risks.


Sample Travel Insurance Benefits

  • Medical: Includes inpatient and outpatient hospitalization; surgeon’s, anesthesiologist’s, radiologist’s and physician’s fees; dressings, sutures, casts, and other supplies; diagnostic testing using radiology, ultrasonographic, or laboratory services; oxygen and other gases and anesthetics; prescription drugs; licensed extended care facility upon transfer from acute care hospital, and emergency local ambulance.
  • Emergency Dental:
    • Emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in an accident is covered under this insurance.
    • Emergency dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain.
  • Emergency Evacuation:  If recommended by your attending physician, who certifies that evacuation is necessary to safeguard your life and that medically necessary treatment is not available locally, and if approved in advance by the insurance administrator, the following benefits will be provided: emergency air and/or ground transportation to the nearest hospital that is qualified to provide the medically necessary treatment.
  • Emergency Reunion:  In the event of a covered emergency evacuation, the following benefits are available: the cost of an economy round trip air and/or ground transportation ticket for one of your relatives for transportation to the area where you are hospitalized following emergency evacuation and reasonable expenses for lodging and meals for your relative for a period not to exceed 10 days.
  • Trip Interruption:
    • If, after you have departed, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction of your principal residence by fire or weather, the following benefits are available: the cost of an economy one way and/or ground transportation ticket to the area of your principal residence; or
    • Following a covered emergency evacuation, the attending physician states that it is medically necessary for your return to your home country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery, the following benefits will be available: the cost of a one way economy air/or ground transportation ticket for your transportation from the area where you hospitalized following the emergency evacuation, to the area where you were initially evacuated from, or to the terminal serving the area of your principal residence.
  • Repatriation of Remains: In the event of a covered injury or illness resulting in your death, the following benefits will be available: air and/or ground transportation of bodily remains or ashes to the area of your principal residence, and reasonable costs of preparation of your remains necessary for transportation.
  • Lost Checked Luggage: In the event your checked luggage is permanently lost by the carrier, the following benefits will be available: up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and provide the plan administrator with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost luggage.
  • Accidental Death & Dismemberment: In the event of your accidental death (except while traveling on a common carrier) or dismemberment resulting from a covered Injury, the following benefits will be available:
  1. Accidental Death: the Principal Sum of $25,000 to the Beneficiary designated on your application. The principal sum shall reduce by 50% (to $12,500) if you are age 70 to 74 at time of death, and an additional 50% (to $6,250) if you are age 75 or older at time of death.
  2. Accidental Dismemberment:
a. Loss of 2 eyes or 2 or more limbs: Principal sum of $25,000 to you.
b. Loss of 1 eye or limb: One-half of the Principal sum ($12,500) to you.
c. The Principal sum(s) shall reduce by 50% if you are age 70-74 at time of dismemberment, and an additional 50% if you are age 75 or older at time of dismemberment.
    • Common Carrier Accidental Death:

In the event of your accidental death while traveling on board a commercial common carrier, the following benefit will be provided: principal sum of $50,000 to the beneficiary designated on your application.

  • Hazardous Sports Rider: This optional rider is available for certain high risk sports activities that are outlined under Exclusion 15 in the plan description. Please carefully review this provision.

Hunting, Shooting and Archery Clubs Insurance

| Uncategorized

Instant online quote with pre-published rates offers rock-solid coverage with savings up to 38%!

 

Clubs applaud: “No more hassle and frustration in filling out a long application and waiting days or even weeks just to get a quote!”

 

We have searched the entire marketplace for you to find these best-in-industry programs.

Archery or Bow Hunting Clubs without Firearms Hunting or Shooting

This plan requires you to join the National Field Archery Association. If you are not yet a member, please call 800-811-2331.

NFAA Chartered Archery Club
NFAA Chartered State Association

 

Shooting Club, Fishing Club, Conservation Club, Sportsmen Club, Bowfishing Club, Hunting Club

Please print the application and fax or email it in for a quick quote.


Specialty Areas

  • Archery Club Insurance
  • Hunt Club Insurance
  • Hunting Club Liability
  • Shooting Club Insurance
  • Conservation Club Insurance
  • Hunt Club Liability Insurance
  • Re-enactment Club Insurance
  • Fishing Club Insurance
  • Hunting Club Insurance
  • Shoot Club Insurance
  • Sportsman Club Insurance

 

Gymnastics Schools & Clubs Insurance

| Uncategorized

Personalized Quotes Result in Savings with Rock-solid Coverages to Protect against Devastating Catastrophic Injuries and Lawsuits!

Don’t Gamble with inferior programs in the high-risk world of gymnastics.  Because of the unique risks of gymnastics schools and clubs, Sadler now individually underwrites each application and offers specialized coverages and prices based on the organization’s specific needs.  Simply download the application and submit for review.

Beware of other programs that don’t cover Assault & Battery, Punitive Damages, Abuse & Molestation, and Non-owned-Hired Auto Liability as these coverages are essential for your protection. Read the fine print in competitor programs.


GENERAL LIABILITY LIMITS

General Aggregate $5,000,000 per owned location

Each Occurrence $1,000,000*

Personal/Advertising Injury $1,000,000

Products/Completed Operations Aggregate $1,000,000

Legal Liability to Participants: $1,000,000

Professional Liability: $1,000,000

Damage To Premises Rented to You: $300,000

Medical Expense (other than Participants) Coverage: $5,000

Non-owned and Hired Auto Liability (not while in HI): $1,000,000

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

*Higher Limits are Available


MEDICAL PAYMENTS LIMITS

Maximum Limit: $150,000

Per Claim Deductible: $250*

* Deductible may be reduced by payments made by other insurance.


ELIGIBLE OPERATIONS

Gymnastics schools/clubs providing any of the following operations are eligible for this program:

  • Cheerleading
  • Competitive gymnastics
  • Group gymnastics
  • Mobile gymnastics programs
  • Mommy & Me/Me and My Pal/parent-Tot
  • Motor skills development programs
  • Pre-school gymnastics
  • Recreational gymnastics
  • Rhythmic gymnastics
  • Sports acrobatics
  • Trampolines (instruction/training classes/programs only)
  • Tumble busses
  • Tumbling

INELIGIBLE OPERATIONS

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

  • Circus skill training
  • Trampoline parks/facilities
  • Operations as a sport complex or multi-purpose facility, except for those sports and/or subsidiary activities you have reported, paid for, and that have been approved by us.

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, e.g. ridges, slides, inflatables (unless reviewed by us), bungees or dunk tanks
  • Asbestos
  • Climbing walls exceeding 10 feet in height with no safety harness system, unless reviewed and approved by us
  • Employment-related practices
  • Events sanctioned by USA Gymnastics
  • Fungi or bacteria
  • Lead
  • Nuclear energy liability
  • Pollution
  • Programs involving professional medical or behavioral treatments or counseling
  • Transportation of participants/members
  • Violation of statutes that govern emails, faxes, phone calls or other methods of sending material or information.

OPTIONAL COVERAGE

 EQUIPMENT  AND 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

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, not in addition to, the general liability limit selected.

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


RISK MANAGEMENT

Gymnastics continues to be one of the most popular sports for girls, though many boys participate as well. A particularly unique aspect of the sport is that rigorous training often begins at a very young age, sometimes as young as 4 and 5 years old. Gymnastics consists of several events that each use a different apparatus. It’s a demanding sport that requires long hours of practice and complex physical movement, all of which increases the risk of injuries.

Gymnastics school insuranceGymnastics has one of the highest injury rates among girls’ sports, with almost 100,000 gymnasts injured each year. Hospital emergency rooms treat more than 25,000 injured gymnasts under age 15 annually. It’s critical that all gymnastic schools and coaches carry and are sufficiently covered by the gymnastics insurance policy that meets their unique needs.

Some of the more common injuries include tendon tears, dislocated shoulders and elbows, wrist ankle, and knee sprains, fractures and strains. The extreme bends and twists in many gymnastics movements can result in lower back injuries.

An injured athlete should be totally clear of symptoms before returning to gymnastics training. Joint injuries should be free of any swelling and pain and have normal strength and full range of motion. Athletes suffering concussions should be cleared by a medical professional. Early return could result in a re-injury of the affected body part, or a new injury.

Safety precautions to prevent injuries

Coaches are responsible for ensuring that the practice facility and equipment are maintained safely. Basic precautions including spacing equipment far enough apart to prevent athletes from colliding into other gymnasts or equipment, and having appropriate floor padding and mats under equipment that are properly secured to prevent slipping.

Spotters who watch and monitor athletes are critical to athlete safety. Trained spotters should be in attendance at all practice sessions to observe and assist gymnasts learning new moves or performing challenging routines.

Gymnastics InsuranceGymnastics schools often rent their facilities to other organizations or private parties for birthday parties, fundraisers, sleep-ins and other events. Doing so involves a great amount of risk and we highly recommend having an attorney review the terms of your lease agreement to ensure you and your gymnastic school are protected by the proper contractual transfer of liability provisions. We offer free detailed information on this topic in our risk management library.

Being prepared for injuries

No matter how many precautions are taken, accidents and injuries are going to occur. Gymnastics insurance is your best protection against injury claims. However, it’s important that your child’s coach and the practice facility staff are prepared to deal with the inevitable.

  • Coaches should be trained in first aid and be able to treat minor injuries, such as cuts, bruises, or minor strains and sprains.
  • Coaches should have an emergency plan in place and all staff knowledgeable of the steps they need to take in reaching medical professionals for serious injuries such as fractures, concussions, neck injuries, dislocated joints, severe bruising, sprains and abrasions.

Prevent overuse injuries

There is a steady rise in young athletes who focus on just sport and train year-round. Not surprisingly, there is a correlating increase in overuse injuries. The American Academy of Orthopaedic Surgeons strongly recommends that parents insist that children take regular breaks during the year from training.

A note to coaches and parents of girls: Exercise-induced amenorrhea is the lack of monthly periods caused primarily by intense exercise. It’s not uncommon among distance runners, dancers and gymnasts. Other potential signs of amenorrhea can be a delay in sexual development, low to low-normal body weight, and stress fractures. There can be long-term negative health consequences to untreated amenorrhea. If you suspect signs of amenorrhea, consult a physician.

Gymnastics insurance is the one element of risk management your training facility shouldn’t be without. Call us at 800-622-7370 so we can assist in determining the gymnastics insurance coverage that suits your unique needs. Or download the application for a quote.


SPECIALTY AREAS

  • Artistic Gymnastics insurance
  • Cheer insurance
  • Cheerleading Academy insurance
  • Cheerleading Accident insurance
  • Cheerleading General Liability insurance
  • Cheerleading Liability insurance
  • Cheerleading School insurance
  • Cheerleading Studio insurance
  • Gymnastics Academy insurance
  • Gymnastics Accident insurance
  • Gymnastics Club insurance
  • Gymnastics General Liability insurance
  • Gymnastics Liability insurance
  • Gymnastics School insurance
  • Gymnastics Studio insurance
  • Me & My Pal insurance
  • Men’s Gymnastics insurance
  • Mobile Gymnastics insurance
  • Mommy & Me insurance
  • Parent Tot insurance
  • Recreational Gymnastics insurance
  • Rhythmic Gymnastics insurance
  • Sports Acrobatics insurance
  • Tumble Buses insurance
  • Women’s Gymnastics insurance

Exercise Studio Insurance Program

| Uncategorized

Save Up to 38% while Getting Rock-Solid Coverage from the Leading Health Club Insurance Program in the Industry!

This program is specifically designed to meet the unique needs of U.S.-based owners and operators of studio facilities (with less than 3000 square feet of space) offering personal/individual training, exercise, aerobics, yoga, or pilates activities where people participate in scheduled fitness programs under the direct supervision of a fitness professional such as a personal trainer or exercise instructor.

If your exercise studio has more than 3,000 sq. ft. of space, click here for our Health Club Program.

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 fitness studio or program, 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).

Option 1 Option 2 Option 3 Option 4 Option 5
Each Occurrence $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
General Aggregate (other than Products-completed operations.) $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
(per owned location) (per owned location) (per owned location) (per owned location) (per owned location)
Products/Completed Operation Aggregate $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Personal & Advertising Injury $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Legal Liability To Participants $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Professional Liability $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Damage To Premises Rented To You (Fire Legal Liability) $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Medical Expense (other than participants) $5,000 $5,000 $5,000 $5,000 $5,000
Hired Auto and Employer’s Nonownership Liability (not provided while in Hawaii) $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
On-site & Off-site Premium: Square Footage 0-1,000 sq. ft. $520 $780 $1,030 $1,280 $1,530
On-site & Off-site Premium: Square Footage 1,001-2,000 sq. ft. $1,040 $1,560 $1,820 $2,070 $2,320
On-site & Off-site Premium: Square Footage 2,001-3,000 sq. ft. $1,560 $2,340 $2,730 $2,980 $3,230

Rates are available from 01-01-2022 to 12-31-2022.

Important Notes:

  • Professional liability insurance is included for the studio owner(s) and for the studio employees.
  • Independent contractors are not automatically covered under this policy.
  • If your independent contractors have liability insurance, their name and limit of insurance need to be filled in on your studio application.
  • If Liability coverage is needed for independent contractors, the following options are available:
    1. Add the $1,000,000 Liability to your Exercise Studio coverage ($300 for on-site and off-site coverage. Operations with more than 10 independent contractors may be subject to additional underwriting and premium).
    2. The individual instructor can purchase the $1,000,000 Liability on a direct basis and name your studio as an additional insured. He or she would then have coverage wherever instructing (except out of their own home or facility/gym). Premium is $194 for a certified instructor or $245 for a non-certified instructor. The “certified instructor” rate requires that a copy of the certification be submitted with their application. Click here to access our Individual Sports & Fitness Instructors Program

Please see application for a complete coverage description.


ELIGIBLE OPERATIONS

This is not a complete listing of eligible operations.

  • Aerobics
  • Children’s Fitness Programs
  • GYROTONIC® Exercise
  • Pilates
  • Indoor Cycling
  • Personal Training
  • Yoga

 INELIGIBLE OPERATIONS

This is not a complete listing of ineligible operations.

  • Sports rehabilitation services/therapy
  • Unattended/unstaffed 24-hour key card/keypad/key code access operations or unattended/unstaffed operations
  • Childcare services/facilities
  • Dance Studios
  • Climbing walls
  • Ice skating, roller skating to skating treadmills
  • Medical, therapy or healthcare services
  • Physicals/Stress testing
  • Facilities outside of the U.S.
  • Health Clubs
  • Martial Arts studios/schools
  • Cheer gyms
  • Gymnastics studios
  • Crossfit Affiliate Owners (use Health Club Basic)
  • Open access to members to utilize facility on a self-direct basis outside of a structured program
  • Swimming pools/hot tubs/whirlpools/Jacuzzis/cold plunge
  • Sports skill instruction facilities, academies, schools or programs
  • Physical therapy
  • Salon services or indoor tanning
  • Sports medicine
  • Saunas or steam rooms

Exclusions

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


ADDITIONAL COVERAGES

Equipment and 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.

Replacement Cost Value Deductible Premium Minimum Premium
$1 – $10,000 $250 Replacement Cost Value X .03 $100
$10,001 – $100,000 $1,000 Replacement Cost Value X .026 $100
$100,001 and Up $2,500 Replacement Cost Value X .026 $100

If you have any single items with a value of $5,000 or more, you must include a list of those items and their value with the enrollment form.

Sexual Abuse or Sexual Molestation 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, not in addition to, the general liability limit selected.

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

Options Rates
Option 1: $1,000,000 Sexual Abuse or Sexual Molestation Liability See application for rates ($150.00 minimum premium)
Option 2: $100,000 Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement $100.00 (flat rate)

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


 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
  • 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.