Posts Tagged ‘advertising injury’

Personal And Advertising Injury Exposures

Coverage sports organizations may think they don’t need

Sports organizations such as teams, leagues, and recreation departments have definite personal and advertising injury exposures Personal and advertising injury insurancewhich should be covered under a General Liability policy.

Personal injury is defined as a certain types of slander, libel, invasion of privacy, and false imprisonment.  A typical personal injury example in the sports context would be if a a slanderous statement is made about a coach, umpire, or parent arising out of the heat of competition.

Advertising injury is defined as certain misleading statements or infringement of intellectual property rights in advertisements.  An example is if a sport organization makes a misleading statement about a competing sports organization in its player recruitment advertising materials.

Importance of a General Liability Policy

Why all sports teams, leagues and organizations need one

General Liability for sports organizations protects against covered claims or lawsuits primarily resulting from bodily injury, property damage, personal injury, and advertising injury.

  • Bodily injury claims generally arise from injuries to sports participants or spectators.
  • Property damage claims are normally associated with damage to sports facilities or spectator vehicles.
  • Personal injury lawsuits commonly arise from a slander or libel.
  • Advertising injury claims may arise from incorrect statements or comparisons about a competing sports program that are contained within promotional materials of a sports organization.

General Liability pays covered legal defense costs and any settlement or adverse jury verdict expenses up to the policy limit. One of the most important reasons for carrying General Liability is to get coverage for legal defense which of often the most expensive element of sports litigation. It is not uncommon for legal defense costs to exceed $50,000, even in cases where the sports organization is ultimately found to not be negligent.


Source: John Sadler
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