Individual or Blanket?
A recreation department administrator recently asked us if the Accident insurance on their sports programs should be offered on an individual or blanket basis. He also wondered if the recreation department would have any remaining liability if a player refused individual insurance.
I teach the courses on sports insurance and risk management for the National Alliance for Youth Sports’ Academy for Youth Sports Administrators. The standard for sports insurance as set by the AYSA is to offer blanket Excess Accident insurance where a premium is paid on behalf of and coverage provided for all participants. Accident insurance on every participant is the first line of defense against lawsuits resulting from participant injury. Accident insurance, if properly written, can almost guarantee that the parent will have no out of pocket medical bills.
