Event Cancellation Insurance

| Uncategorized

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

Event Cancellation Insurance is an affordable way to guarantee that your expected revenues will not be reduced by a host of perils. Most event organizers can easily build the cost of Event Cancellation Insurance into their event.

Important: You must be a current client of Sadler Sports & Recreation Insurance to access this program.


COVERAGE TRIGGER AND PERILS

Event Cancellation Insurance can be triggered by cancellation, postponement, rescheduling, or abandonment of your event.

The perils that can be insured against are those outside of the control of the event planner. Examples of perils that may be covered include the following:

  • Weather and environment related perils such as rain, snow, wind, and earthquakes.
  • War, terrorism, sabotage, and civil or political unrest
  • Property damage or loss of availability of venue
  • Non-appearance of key speakers, performers, or personnel due to death, injury, or illness.
  • Satellite and signal transmission failure
  • Spread of communicable diseases (Coronavirus currently excluded)

Event cancellation insurance does not cover losses caused by poor event planning, poor marketing, or lack of interest.


INSURE OR NOT?

You should only insure events that are of significant financial consequence to your organization (Ex: your event is subject to large attendance; large revenues including ticket sales, advertising revenues, sponsorship income; and large expenses in preparation of the event).

You should not insure events where you expect small attendance, small revenues, and small expenses.


 COST AND WHEN TO BUY

The average cost is $.90 per $100 of exposure to be insured. Costs can vary depending on time of year and the region where the event will be located. Time of year and region will have a bearing on perils such as snowstorms, earthquakes, and hurricanes, and terrorism.

Coverage can be purchased in advance from 15 days to one year prior to the event. Advance purchase allows you to lock in the best terms and pricing. In addition, advance purchase of coverage can result in protection in the event of facility problems, which result in rebooking at another facility and the subsequent relocation costs.

U.S. Youth Cricket Association Insurance

| Uncategorized

We are pleased to partner with Sadler Sports & Recreation Insurance 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, pay and get proof-of-coverage documents.
  • Low Prices! Save up to 38%
  • Rock Solid Coverage from an A rated insurance carrier

 Limits of Liability and Annual Premiums

General Liability/Medical Expense Ages 12 & Under Ages 13-15
$1,000,000 General Liability
$25,000 Medical Expense (included)
$5.76 per player $9.14 per player


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:

  • Choose “United States Youth Cricket Association” Under Affiliation.
  • Choose “cricket” under sport

 

Risk Management

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.

Entertainers & Performers Insurance

| Uncategorized

PROGRAM ELIGIBILITY

This insurance program has been specifically designed for individual U.S.-based entertainers and performers who work on an independent contractor basis entertaining at local fairs, festivals, special events, private parties, convention, or trade show booths. Coverages provided include important liability protection for the entertainer or performer for liability claims arising out of their operations.


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 Excluded Excluded
Legal Liability to Participants $1,000,000 $2,000,000
Damage To Premises Rented To You (fire legal liability) $1,000,000 $1,000,000
Medical Expense Payments (other than participants) $5,000 $5,000
Medical Payments for Participants $5,000 $5,000

Higher limits are available during online quoting process.


Premium

Option 1 Option 2
Single Event Rate Per Performer (Single event = 10 days or less) $173 $252
Annual Rate Per Performer (with an annual income of $30,000 or less) $221 $324
Annual Rate Per Performer (with an annual income of $30,001 to $100,000) $334 $494
Annual Rate Per Performer (with an annual income of $100,001 to $200,000 $633 $942
Annual Rate Per Performer (with an annual income of $200,001 to $300,000 $942 $1,406

Rates are available from 04-01-2022 to 03-31-20203

Cost includes premium and a $15 (RPG) risk purchasing annual administration 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.

Agents and brokers do not have binding authority and there are no commissions included in this program.


ELIGIBILITY CRITERIA

The following criteria must be met to be eligible for consideration of coverage under this program:

  • Entertainers must be at least 18 years of age.
  • Annual gross income from the entertainer’s or performer’s activities cannot exceed $300,000.

Eligible Entertainers and Performers

  • Balloon Artist
  • Belly Dancer
  • Caricature Sketching
  • Celebrity Look-Alike
  • Clown
  • Comedian
  • Conductor
  • Contortionist
  • DJ or KJ
  • Face/Body Painter (FDA approved/compliant paint only)
  • Holiday Character
  • Impersonator
  • Impressionist
  • Juggler
  • Magician
  • Mime
  • Musician, Singer or Vocalist
  • Poet
  • Puppeteer
  • Public Speaker (Subject to review and carrier approval)
  • Psychics/Fortune Teller
  • Theatrical Performer (single event option only)
  • Trade Show/Promotional Model (subject to review and carrier approval)
  • Story Teller
  • Ventriloquist
  • Western Performer
  • Yodeler

This list does not encompass all types of entertainers and performers that may be eligible for this coverage. This is only a summary. Please contact Sadler Sports & Recreation Insurance if you have questions about your eligibility.


 

Ineligible Operations

The following entertainers and performers not eligible for this program include but are not limited to the following:

  • Acrobatic/Aerialist Performer
  • Actor or Actress
  • Circus Performer
  • Cosmetologist/Beautician
  • Escape Artist
  • Exotic Dancer
  • Fire Handlers
  • Group Acts or Bands
  • Henna/Mehndi artists
  • Hypnotist
  • Jouster
  • Mascot (college, high school, professional)
  • Model (unless reported and approved by us)*
  • Performer putting on athletic exhibition
  • Performer using weapons (with live ammunition or sharpened blades)
  • Production/Entertainment Companies
  • Public Speaker (unless reported and approved by us)*
  • Pyrotechnician
  • Rap, hip hop, electronic/techno or heavy metal/screamo entertainer, performer or DJ
  • Strength Performer
  • Stripper
  • Stunt performer
  • Permanent Tattoo and/or Body Piercing Artist

*NOTE:  For Model and Public Speaker – this is only available for consideration on a paper application.  These will need to be submitted to carrier for review and approval.   Types of individuals that we will not be able to consider are:  Anyone who is controversial or where there could be controversy, pro/against abortion, tobacco/vaping/cannabis, politicians, etc.

Youth Day Camps Insurance (Non-Sports)

| Uncategorized

Instant Online Quote & Purchase Offers Broad Coverages at Savings up to 38%!

Day camp operators applaud: “No more hassle and frustration in filling out a long application and waiting days or weeks to get a quote.”


 Limits of Liability and Premiums

Option 1 Option 2
General Aggregate $5,000,000 $5,000,000
Each Occurrence $1,000,000 $2,000,000
Products-Completed Operations Aggregate $1,000,000 $2,000,000
Personal & Advertising Injury $1,000,000 $2,000,000
Legal Liability to Participants $1,000,000 $2,000,000
Professional Liability $1,000,000 $2,000,000
Hired Auto and Employers Non-ownership Liability (not provided while in Hawaii) $1,000,000 $2,000,000
Damage to Premises Rented to You (Fire Legal Liability) $1,000,000 $1,000,000
Medical Expense (other than participants) $5,000 $5,000
Medical Payments For Participants ($100 per claim deductible applies) $25,000 $250,000
Medical Expense Reimbursement For Participants $1,000 $1,000
Rates
Rate Per Camper per Day $1.45 $1.97
Rate Per Camper per Week (use if camp is 3 to 7 consecutive days) $4.33 $5.99
Minimum Earned Premium $240.00 $360.00

Current Rates available from 03/01/2022 – 02/29/2023.

Higher limits are available upon when completing the online application.

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.


Program Eligibility

Youth day camps offering programs in the following categories are eligible to submit an enrollment form.

  • Academic Day Camps
  • Arts and Crafts Days Camps
  • Computer Day Camps
  • Creative Writing Camps
  • Culinary Camps
  • Etiquette Camps
  • Inventive Builder/Lego® Camps
  • Math Camps
  • Music Camps
  • Performing Arts Camps
  • Photography/Film Making Camps
  • Science Camps
  • Vacation Bible Schools
  • Camps/clinics for youth with an accompanied adult are eligible for this program (e.g. parents & me camps). Ratios cannot be more than two adults per child.

If you do not see your form of operation, please contact us for eligibility.

Ineligible Operations

Youth day camps offering the following operations are not eligible for this insurance program. Please contact us for more information.

  • After school/day care/latch-key programs
  • Sports Camps (Visit Sports Camp Program)
  • Camps involving animals other than service animals
  • Camps providing overnight accommodations
  • Hunting and/or nature camps/programs
  • Camps with activities away from main location, unless reported and approved by company prior to taking place.
  • Camps held at premises owned or maintained by the insured that provide overnight accommodations.

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

Dance Studios and Programs Insurance

| Uncategorized

Instant Online Quote & Purchase Offers Broad Coverages at Savings up to 38%!

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. These problems can expose you to uncovered lawsuits. Read the fine print in the competitor’s program.

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

NOTE: If your dance school has a tumbling exposure (floor only, no apparatus) a paper application is required. Please print the brochure and complete for submission.


General Liability and Medical Payments for Participants

General Liability Limits

$5,000,000 per owned location General Aggregate (Other than Products Completed Operations)
$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 (Fire Legal Liability)
$5,000 Medical Expense (other than participants)
$1,000,000 Non-Owned and Hired Auto Liability (not provided while in HI)

$11.40 x the number of dance participants enrolled in your program at your busiest time of year (minimum premium of $870)

Medical Payments for Participants Limits

Maximum Limit: $25,000

Per Claim Deductible: $250*

* Deductible may be reduced by payments made by other insurance

  • Rates available 1-1-2022 to 12-31-2022.
  • All applicants must add a $15 RPG (Risk Purchasing Group) Fee to the total premium.
  • Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.

Additional Coverages

Non-Registered Member Activity: $13.50 per participant (includes yoga/exercise, art & crafts classes, tumbling (floor only), music lessons, theatre arts and drama programs

Birthdays/Social Parties: $15.00 per Party

 

Equipment & Contents Premium

Value Premium
Less than $10,000 Replacement Cost Value X $.03 (minimum premium of $100)
More than $10,000 Replacement Cost Value X $.026 (minimum premium of $100)

$250 Deductible for insured values of $10,000 or less
$1,000 Deductible for insured values between $10,001 – $100,000
$2,500 Deductible (if the total insured value is $100,000 or greater

 

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

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

Option 1: $1,000,000 of liability coverage for sums the insured becomes legally obligated to pay as damages because of loss arising out of any actual or threatened sexual abuse or sexual molestation. This limit is part of, not in addition to, the general liability limit selected. See application for rates ($150.00 minimum premium).

Option 2: $100,000 of coverage for reimbursement of defense costs only resulting from claims arising out of abuse, molestation, harassment or sexual conduct.  $100.00 Flat Rate


Eligible Dance Studio Programs

  • Acro Dance
  • Ballet
  • Irish
  • Ballroom
  • Jazz
  • Belly Dancing
  • Latin
  • Clogging
  • Modern
  • Contemporary
  • Salsa
  • Country Western
  • Scottish
  • Square
  • Flamenco
  • Swing
  • Folk Dancing
  • Tango
  • Tumbling (floor only, no gymnastics apparatus)-Paper application required
  • Cultural Ethnic
  • Hawaiian
  • Tap
  • Hip Hop
  • ZUMBA®

Ineligible Dance Studio Operations

(THIS IS NOT A COMPLETE LISTING OF INELIGIBLE OPERATIONS)

  • Acrobatics and Circus Training Skills
  • Ballroom Rental Facilities
  • Banquet & Reception Halls
  • Cabarets
  • Dance Halls
  • Discotheques
  • Night Clubs
  • Professional Dance Companies
  • Professional Touring Performers
  • Production Companies
  • Trampoline Parks or Facilities

Exclusions

Please print the application for exclusions contained in this policy.


Specialty Areas

  • Ballroom School Insurance
  • Dance Insurance
  • Dance Studio Insurance
  • Dance Interpretation School Insurance
  • Dance Program Insurance
  • Jazz School Insurance
  • Western/Line Insurance
  • Dance Instruction Insurance
  • Dance School Insurance
  • Tap School Insurance

 

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.

 

Dance Instructors Insurance

| Uncategorized

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

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

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


Limits Of Liability And Annual Premiums

COVERAGE OPTION 1 OPTION 2 OPTION 3 OPTION 4 OPTION 5
Each Occurrence Limit $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
Products/Completed Operations 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
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 Payments (other than participants) $5,000 $5,000 $5,000 $5,000 $5,000
Bodily Injury 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
1-YEAR PREMIUM (Certified Instructors) $194 $284 $534 $784 $1,034
(Must Indicate Certification.)
2-YEAR PREMIUM (Certified Instructors) $338 $499.50 Not Available Not Available Not Available
(Must Indicate Certification.)
1-YEAR PREMIUM (Non-Certified Instructors) $245 $360 $610 $860 $1,110
2-YEAR PREMIUM (Non-Certified Instructors) $429 $636 Not Available Not Available Not Available

Rates are per instructor and are available 01-01-2022 to 12-31-2022.

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

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


Program Eligibility

Eligible Activities Include:

  • Acro Dance
  • Ballet
  • Ballroom
  • Belly Dancing
  • Clogging
  • Contemporary
  • Country/Western
  • Cultural/Ethnic
  • Flamenco
  • Folk Dancing
  • Hawaiian
  • Hip Hop
  • Irish
  • Jazz
  • Latin
  • Modern
  • Salsa
  • Scottish
  • Square
  • Swing
  • Tango
  • Tap
  • Tumbling (floor only, no gymnastics apparatus)
  • ZUMBA®

This program does not provide coverage for the operation, ownership or maintenance of a fitness, sports or dance facility. See our home page for more information.


Program Ineligibility

  • Instructors under the age of 18
  • Instructor’s employed as an exempt or non-exempt employee of a school, university or college

Exclusions

Please print the application for exclusions contained in this policy.


Risk Management Content

Visit our Risk Management page to access the following important content most applicable to Dance 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

  • Ballet Instructor Insurance
  • Ballroom Instructor Insurance
  • Belly Dancing Instructor Insurance
  • Clogging Instructor Insurance
  • Country/Western Instructor Insurance
  • Flamenco Instructors Insurance
  • Folk Dancing Instructors Insurance
  • Hawaiian Dance Instructors Insurance
  • Irish Dance Instructors Insurance
  • Jazz Dance Instructors Insurance
  • Latin Dance Instructors Insurance
  • Modern Dance Instructors Insurance
  • Scottish Dance Instructors Insurance
  • Square Dance Instructors Insurance
  • Cultural/ethnic Instructors Insurance

Bands and Performing Groups Insurance

| Uncategorized

PROGRAM ELIGIBILITY FOR BANDS AND PERFORMING GROUPS

This program has been designed for U.S.-based performing groups that work on an independent contractor basis entertaining at events and performances. Coverages provided include important protection for the performing group for liability claims arising out of their operations.

 

ELIGIBILITY CRITERIA

The following criteria must be met to be eligible for coverage under this program:

  • All groups must have at least one member or representative who is at least 18 years of age.
  • No more than 30 members in a performing group
  • Annual gross income from the performing groups activities cannot exceed $500,000.

ELIGIBLE OPERATIONS

Balloon Artists
Belly Dancers
Caricature Sketching Artists
Celebrity Look-Alikes
Choral Groups*
Clowns
Comedians
Conductor
Contortionists
DJ’s or KJ’s*
Drum Corp or Bugle Corp*
Face/Body Painters (FDA approved/compliant paint only)
Holiday Characters
Impersonators
Impressionists
Jugglers
Magicians
Mimes
Musical Ensemble (quartet, duo, instrumental)
Musicians, Singers or Vocalists*
Non-touring Bands (tribute, wedding, garage)*
Poets
Puppeteers
Psychics/Fortune Tellers
Story Tellers
Ventriloquists
Western Performers
Yodelers

 INELIGIBLE OPERATIONS MUSIC GENRES

Operations and music genres not eligible for this program include but are not limited to the following:

  • Acrobatic/Aerialist Performers
  • Actors or Actresses
  • Bands and Groups with Music Genres of electronic/techno, hip hop, rap and heavy metal/screamo
  • Circus Performers
  • Cosmetologist/Beauticians
  • Escape Artists
  • Exotic Dancers
  • Henna/Mehndi artists
  • Historical Battle Re-enactment groups
  • Hypnotists
  • Instruction of other individuals for a fee
  • Jousters
  • Mascots (college, high school, professional)
  • Models
  • Performers putting on athletic exhibition
  • Performers using weapons (with live ammunition or sharpened blades)
  • Permanent Tattoo and/or Body Piercing Artist
  • Production/Entertainment Companies
  • Public Speakers
  • Pyrotechnicians
  • School accredited / sponsored programs, bands and/or performing groups
  • Strength Performers
  • Strippers
  • Stunt performers
  • Touring bands and/or groups

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


LIMITS OF LIABILITY

General Aggregate (other than Products Completed Operations

Each Occurrence

Products/Completed Operation Aggregate

Personal and Advertising Injury

Legal Liability to Participants

Damage to Premises Rented to You (fire legal liability)

Medical Expense (other than participants)

Medical Payments for Participants

OPTION 1

$5,000,000

$1,000,000

$1,000,000

Excluded

$1,000,000

$1,000,000

Excluded

$     5,000

OPTION 2

$5,000,000

$2,000,000

$2,000,000

Excluded

$2,000,000

$1,000,000

Excluded

$     5,000


PREMIUM

Single Event Coverage (single event = 10 days or less)

Annual Coverage (with an annual income of $30,000 or less)

Annual Coverage (with an annual income of $30,001 to $100,000)

Annual Coverage (with an annual income of $100,001 to $200,000)

Annual Coverage (with an annual income of $200,001 to $300,000)

Annual Coverage (with an annual income of $300,001 to $400,000)

Annual Coverage (with an annual income of $400,001 to $500,000)

OPTION 1

$   181

$   555

$1,097

$1,637

$2,178

$2,719

$3,260

OPTION 2

$   264

$   825

$1,638

$2,448

$3,260

$4,071

$4,883

Cost includes premium and a $15 (RPG) risk purchasing administration 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.

Please see application for complete bands and performing groups coverage description.

Rates are available from 04-01-2022 to 03-31-2023.

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


OPTIONAL COVERAGE RATES

Two options for coverage for claims arising out of sexual abuse or sexual molestation:

  • $1,000,000 Sexual Abuse or Sexual Molestation Liability Coverage
  • $100,000 Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement
  • See application for details and rates

Notice to Agents and Brokers: Agents and brokers do not have binding authority and there are no commissions included in this program.


What can go wrong if you’re a one man band or small performing group?

Accidents and injuries happen on occasion in the most conservative of settings, even during performances of one man bands or small performing groups. Performers need this essential liability protection to avoid losing business or personal assets in the event of a lawsuit.

But even if you think you don’t need this insurance due to the low risk nature of your operations, most venue owners require proof of adequate liability insurance, as well as indemnification from performers in the event of injuries to third parties. That’s why General Liability insurance is a must. The good news is that it can be affordable, fast, and easy to acquire.

 

Examples of what can go wrong:

 

Property damage to venue or equipment of others due to your alleged negligence
  •  Faulty wiring in your equipment or wiring could cause a fire that damages buildings.
  • Floor or walls could be damaged by moving heavy equipment.
  • Heavy equipment topples onto equipment of other performers.
 Bodily injury to patrons or other workers
  •  A spectator falls off the stage and is injured during audience participation.
  • A venue employee is injured while trying to assist you.
  • A spectator trips over a microphone or speaker cord
  • A speaker topples and injures spectator.
  • Inadequate security results in overcrowding and a stampede hazard.
  • Allegation of sex abuse or molestation
Contractual assumption of liability of venue owner in your work agreement through indemnification / hold harmless provision
  • Stage collapse
  • Building fire
  • Inadequate crowd control

What does General Liability insurance cover?

General Liability insurance covers certain lawsuits arising from your negligence in your premises or operations, which results in bodily injury or property damage. It will also pay for certain assumptions of liability through an indemnification / hold harmless provision which is commonly found in work agreements with venue owners.

The policy will pay up to the policy limits in the event of settlement or adverse jury verdict and will provide an attorney for your legal defense. In many cases, the most expensive component of litigation is attorneys fees.

 

What are typical insurance requirements of venue owner?

Common insurance requirements include proof of coverage through a currently valid certificate of insurance evidencing General Liability insurance with an each occurrence Band Insurancelimit of $1,000,000. However some venue owners may require a $2,000,000 each occurrence  limit. The each occurrence limit is the amount that the insurance carrier will pay for damages arising out of one incident.

In addition, the policy has an aggregate limit which is the total amount the carrier will pay for all lawsuits arising out of the policy year. The aggregate limit requirement is typically double the each-occurrence limit requirement.

Most agreements will also require that the policy name the venue owner as an “additional insured.” Additional insurance status means that you are sharing your limits with the venue owner and they want your insurance to pay for any claim so that their insurance is protected from paying a loss.

 

Beware of unfair indemnification / hold harmless provisions

The indemnification / hold harmless provision in work agreements will typically require the performer to take responsibility for legal defense and the payment of any injury or damage to third parties, such as spectators.

The more equitable versions of these provisions will require the performer to assume all liability if the performer is either solely or partially negligent. But other, more onerous versions may require the performer to assume liability even if the venue owner is 100% negligent, such as in the case of a stage collapse or the hiring of inadequate security. Such a provision is very unfair and an effort should be made to negotiate a more favorable version.

 The good news is that most General Liability policies include contractual liability coverage which will respond to certain losses assumed under indemnification / hold harmless provisions.

 

Affordable General Liability coverage is available with instant online quote/pay/print

Our insurance agency represents one of the leading A+ rated carriers for bands and performing groups that provides affordable General Liability insurance and allows for simple online enrollment in as little as 10 minutes and payment by credit card or ACH.

The annual premium is based on expected annual revenue and start out as low as:

$530 for a $1,000,000 each occurrence limit.

$788 for a $2,000,000 each occurrence limit.

An option to add coverage for  sex abuse/molestation is available for an additional premium charge.

Immediately after online enrollment, our clients can print off proof of coverage documents and certificates for venue owners. Additional certificates for new venue owners can be self issued 24/7.

Cheer Schools/Gyms Insurance

| Uncategorized

Personal Quote Results in Savings with Rock Solid Coverage to Protect against Devastating Catastrophic Injuries and Lawsuits

Don’t gamble with inferior programs in the high-risk world of cheer. Because of the unique risks of cheer gyms, 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.


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: $1,000,000

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

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

*Higher limits are available. See Application for Details.


Medical Payments Limits

Maximum Limit: $150,000

Per Claim Deductible: $250

Deductible may be reduced by payments made by other insurance.


Optional Non-registered Member Coverage

  • Birthdays/Social Parties
  • Camps or Clinics
  • Martial Arts Programs & Classes
  • Subsidiary Activities (Includes coverage for yoga/exercise, meetings/seminars, theater arts/drama, basketball/volleyball, and other activities.)

Optional Equipment and Contents

This provides coverage for direct loss of 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.


Optional 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.


Eligible Programs

Cheer Gyms providing any of the following operations are eligible for this program. Operations with gymnastic activities should contact us at 800-622-7370 for information regarding our gymnastics program.

  • Cheerleading
  • Dance
  • Trampolines (instruction/training classes/programs only)
  • Tumbling

Ineligible Programs

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

  • Circus Skill Training
  • Gymnastics Facilities/Operations (contact us for Gymnastics School coverage)
  • Trampoline parks/facilities
  • Your operations as a sport complex or multi-purpose facility, except for those sport(s) and/or subsidiary activities you have reported, paid for, and 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 & approved by us, bungees or dunk tanks)
  • Asbestos
  • Climbing walls exceeding ten (10) feet in height with no safety harness system, unless reviewed and approved by us
  • Cryogenic chambers/therapy
  • Employment-related practices
  • Fungi or bacteria
  • Nuclear energy liability
  • Parkour activities/programs*
  • Pollution
  • Transportation of participants/members

*Please contact us for coverage options if you have this exposure.


RISK MANAGEMENT CONTENT

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

Concussion Awareness Risk Management Program

Sample Waiver/Release-Minor

Are Waivers Worth The Paper They Are Written On?

Before You Sign The Facility Lease Agreement

Collecting Certificates of Insurance From Vendors

General Liability Concerns For Sportsplexes

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


Blogs Applicable to Cheerleading

  • The Dangers Of Cheerleading
  • Cheer Gym vs. Competitive Cheer Squad Insurance
  • Cheerleading Causing Catastrophic Injuries
  • Cheerleading Should Be Classified as a Sport

Click here, to access these and other blogs related to cheerleading.

Sports Camp and Clinic Insurance Plan

| Uncategorized

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

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

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


Limits and Premiums

CLASS 1 SPORTS
Aerobic Exercise Arm Wrestling Baseball Baton Twirling
Billiards Body Building Croquet Curling
Darts Drill Team/Majorette Fencing Fishing (On Shore)
Frisbee & Frisbee Golf Handball Inline Skating Lawn Bowls
Physique/Pose (Performance) Ringette Rope Skipping Scooter Hockey
Softball Squash Swimming Team Handball
Tumbling Walking Youth Power Lifting Youth Weightlifting
Deck/Floor Hockey Zoneball Pickleball Air O Sport
Rag Ball Cornhole Ultimate Frisbee Volleyball
Archery Badminton Basketball Bocce Ball
Bowling Cricket Cross Country Ski Dance
Disabled Sports Exercise Figure Skating Fitness
Golf Horsehoes Kickball Motor Skill Development
Physical Fitness Racquetball Roller Skating Running (5k or 10k)
Soap Box Derby Speed Skating Strength & Conditioning Table Tennis
Tennis Track and Field (Indoor) Track & Field (excluding Javelin & Hammer)
 CLASS 2 SPORTS
Gymnastics Ice Hockey Deck/Floor Hockey Martial Arts
Soccer Youth Street Hockey Cheerleading – Youth Field Hockey
Football (Flag & Touch) Gymnastics Inline Hockey Stick Hockey
Wrestling Youth Lacrosse Youth Football (Tackle & Contact Flex Football
Floor Hockey
NOTE: The same limit option must be used for all camps. If multiple sports are in a single camp, then the highest sport class applies. (Example: If a policy has baseball (Class 1) and Cheerleading-Youth (Class 2) you must use the Class 2 rate for all participants.
OPTION 1: ($240 MINIMUM PREMIUM APPLIES)
$1,000,000 General Liability (Each Occurrence)
$1,000,000 Legal Liability to Participants (see print brochure for LLP limitations)
$25,000 Medical Payments for Participants ($100 deductible) (Excess)
$1,000 Medical Expense Reimbursements for Participants
$1,000,000 Professional Liability
Camp/Clinic (Class 1 Sports)
Rate
Per Participant/Per Daily Session $1.45
Per Participant/Per Weekly Session $4.33
Per Participant/Overnight Camps $5.75
Camp/Clinic (Class 2 Sports) Rate
Per Participant/Per Daily Session: $1.60
Per Participant/Per Weekly Session $4.78
Per Participant/Overnight Camps $6.34
Use the weekly rate if the camp/clinic session is 3 to 7 consecutive days.
A camp brochure is required for each camp.
OPTION 2: ($360 MINIMUM PREMIUM APPLIES)
$2,000,000 General Liability (Each Occurrence)
$1,000,000 Legal Liability to Participants (*see print brochure for LLP limitations)
$250,000 Medical Payments for Participants ($100 deductible) (Excess)
$1,000 Medical Expense Reimbursements for Participants
$2,000,000 Professional Liability
Camp/Clinic (Class 1 Sports) Rate
Per Participant/Per Daily Session $1.97
Per Participant/Per Weekly Session $5.99
Per Participant/Overnight Camps $7.95
Camp/Clinic (Class 2 Sports) Rate
Per Participant/Per Daily Session $2.19
Per Participant/Per Weekly Session $6.66
Per Participant/Overnight Camps $8.84
Use the weekly rate if the camp/clinic session is 3 to 7 consecutive days.
A camp brochure is required for each camp.
Please see printed application for a detailed list of eligible and ineligible sports and activities.
Rates are available 03-01-2022 to 2-28-2023. Higher limits are available through online application. No commission is payable to agents.

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

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



Sports Camp Safety

Instruction and Supervision

Basketball CampInadequate supervision is the number one cause of serious injuries and lawsuits in the sports camp setting. Supervision refers to both adults overseeing individual camper or a group of campers as well as the camp management structure put in place by the owners, directors, and officers.Sports instruction includes not just sport specific technique, but also making sure that all safety rules and their reason are adequately explained and enforced.Probably the most important element of any sports camp is the coaching staff. It’s not enough for your child’s coach to be an accomplished athlete. Camp coaches should, at a minimum, be CPR and first aid certified. They should also be trained to recognize the symptoms of heat exhaustion and concussion, and know what steps to take in the event of an occurrence. It’s also important to know if your child’s coach has experience working with kids your child’s age because there’s a huge difference between coaching elementary age youngsters and high school athletes.

Equipment Safety

Equipment safety is another factor in ensuring a good camp experience. From batting helmets to tennis racquets to rope ladders, they all need maintained properly. The camp should have an equipment maintenance safety check and maintenance plan in place. Youth sports camps offer participants abundant exercise and opportunities for improving and learning new skills. They’re also a way for young athletes to get ready for school or recreation league tryouts and competitions. Basic safety precautions coaches and parents should review with their athletes are:

  • Any protective gear worn in a game should also be worn in practice.
  • Protective gear should be adjusted to fit properly.
  • Athletes should not “play through” an injury. Requesting immediate help from a coach or trainer is important.
  • Athletes should be given frequent breaks for rest and re-hydration.
  • Sports rules are based on sportsmanship AND safety. Camp coaches and trainers should know and enforce the safety rules.

It’s important to remember that to prevent injuries athletes must get fit for their sport rather than use the sport to get fit. Camp injuries are bound to occur, but many are attributed to fatigue and poor conditioning. Parents and coaches should be aware of the most common risks to athletes participating in sports camps and how to prevent them:

Overuse

Minor discomfort, such as stiff or sore muscles, is normal when athletes haven’t played as often or intensely prior to camp activities. Overuse injuries are preventable, but if an injury resulting from overuse occurs, activity should be modified enough to allow the body to heal. The signs of overuse or precursors to overuse to watch for are:

  • pain at the beginning of activity, discomfort throughout practice, and soreness after practice;
  • limping during practice and games;
  • complaints of pain in the morning and throughout the day.

Recovery from overuse can sometimes take time and be difficult to achieve. Early recognition and treatment are crucial to getting the player back on the field. Pain lasting more than five days, may be a sign of a more serious injury. In such cases, a medical professional should be consulted.

Stretching prior to practice, drills and games is the most effective way of preventing injury. Likewise, stretching after sports activity acts as a cool down and helps the body prepare for the next bout of exercise.

Heat Stress

Heat exhaustion and heat stroke are the most serious forms of heat stress. Heat exhaustion is when the body cannot control temperature because too much water and salt are lost from the body through excessive sweating. Heat stroke is when the body temperature rises to dangerous levels, and can result in death. Staff should be trained in heat stress response. The following precautions are your ticket to easily preventing heat stress:

  1. Schedule more strenuous activity in the morning and the evening, and down time and water activities in the middle of the day when the temperatures are highest.
  2. Gradually increase physical activity over several days as it may take several days to get used to hot weather.
  3. Schedule rest and water breaks in the shade. Erect temporary shade canopies if necessary. Keep supplies of cool water available in activity areas.
  4. Campers and staff should be aware of heat stress symptoms and encouraged to drink regularly.
  5. Cold foods should be served on hot days.
  6. Be aware of daily weather conditions, adjusting activities according to heat advisories.  Heat Index is the old standard and Wet Bulb Globe Temperature is the new standard for postponement/cancellation/modification of practices.  A WGBT meter can be purchased or Weather FX offers a smart phone app that provides a mathematical recreation.  A cold water immersion tub should be available as conditions warrant.
  7. Participants with chronic medical or mental conditions or obesity may be at higher risk for heat stress. Camp medical staff should evaluate medical screening forms to determine if participants need special monitoring or modification of activities.

Dehydration

Drink plenty of fluids and eat foods high in water such as fruits and vegetables is the best prevention against dehydration. Preventing heat illnessWhen exercising, don’t let thirst be your guide as to whether your body is maintaining enough fluids. Additional water in hot or humid weather is necessary to help lower body temperature and replace fluids lost through sweating.

It’s best to begin hydrating the day before strenuous exercise. Before exercising, drink 1 to 3 cups of water. Replenish fluids at regular intervals and continue drinking water or other fluids after you’re finished. A good sign that the body is well-hydrated is a frequent production of highly diluted and clear urine. However, drinking too much water can cause bloating and discomfort, and even lead to hyponatremia, or low blood sodium, a result of taking in more fluids than are released through sweating. Symptoms of dehydration include:

  • Dry, sticky mouth
  • Sleepiness or tiredness
  • Thirst
  • Decreased urine output
  • Dry skin
  • Headache
  • Constipation
  • Dizziness or lightheaded

Other camp-related risks

Sex Abuse and Molestation

Dealing with sexual predators should be the last thing on any parent’s mind when sending a child to day or overnight camp . Sadly, it’s something about which every parent has to be concerned. Camp administrators are responsible for doing everything in their power to protect campers, but parents also must be aware of what abuse/molestation risk management program the camp has in place. We provide the following programs required by the Safe Sport Act: Safe Sport Child Abuse and Other Misconduct Risk Management Plan, Abuse Awareness Training for Minors (Ages 4-12), and Abuse Awareness Training for Minors (Ages 13-17).

There are no guaranteed safeguards against sexual predators. However, coaches, parents and athletes should be aware of the typical grooming behaviors associated with sexual molesters:

  • Choosing a vulnerable child lacking self-confidence or self-esteem or who receives little attention from parents and other adults.
  • Showing undue interest in a child or isolating him/her from the other campers.
  • Desensitizing the child to touch such as by tickling, patting, stroking, or wrestling.
  • Urging the child to keep secrets.
  • Giving gifts and/or granting special privileges
  • Discussing adult matters
  • Sexual jokes, showing pornography, asking sexual questions
  • Hugging, kissing, physical contact

Use of 15-passenger Vans

There has been much debate over the use of 15-passenger vans due to the documented risk of rollovers and the potential for catastrophic liability as a result of serious injuries or deaths to multiple passengers. We urge you to read our article detailing the issues with 12 to 15-passenger vans.

Swim Safety

Swim outing liabilitiesMany camps offer athletes opportunities to swim in pools, lakes and other bodies of water during cool down times and after scheduled activities. What many people don’t know is that drowning is the second highest cause of accidental death in children under the age of 15, many of whom were within 25 yards of an adult.

Vigilance is critical when dealing with children in the water. Simple precautions can be taken to lessen the risk of drowning.

  • Participation requires passing a swim test.
  • Instill in campers “the buddy system” so they’re accountable for each other.
  • Have at least one CPR-trained adult in attendance.
  • Adults should not be involved in any distracting activity (such as reading, or talking on phone)
  • A certified lifeguard should be on duty.

Further information on pool safety is available on the American Red Cross website.

 

American Cricket Federation Insurance

| Uncategorized

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

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

 

Sport $100,000 Medical 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 Cricket (20 players per Team) $59.89 per team $161.25 per team $173.20 per team $156.91 per team $175.50 per team

Rates are effective 01/01/2022- to 12/31/2022. Coverage is provided for one year from the effective date of the policy.

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 Cricket 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 “American Cricket Federation” from the drop-down menu.


Additional Coverages

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

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

$25,000 Crime   $200 per governing board

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


Risk Management Content

Visit our Risk Management page to access the following important content most applicable to adult cricket:

Sample Waiver/Release-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

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