General Liability Insurance for Sports & Recreation Organizations
General Liability insurance is perhaps the most important insurance policy carried by sports & recreation organizations because it covers lawsuits arising from the most common mishaps – spectator injury and participant injury.
General Liability covers certain lawsuits arising from an occurrence (accident) alleging bodily injury, property damage, personal injury, and advertising injury due to the alleged negligence of the sports or recreation organization. The policy provides an attorney for legal defense and will pay up to the policy limits in the event of settlement or adverse jury verdict.
General Liability claims can be both frequent and severe. Frequent claims include premises related injuries due to lack of routine maintenance and trips/slips/falls. More serious claims include player injuries resulting in death or disability.
Common Policy Limits
| Each Occurrence | $1,000,000 |
| General Aggregate | $2,000,000 |
| Products/Completed Operations Aggregate | $2,000,000 |
| Personal/Advertising Injury | $1,000,000 |
| Damage to Premises Rented to You | $ 300,000 |
| Premises Medical Payments (spectators) | $ 5,000 |
| Participant Legal Liability | $1,000,000 |
All policies are not created equal
Common policy provisions/exclusions to avoid:
- Athletic Participants Exclusion
- Punitive Damages Exclusion
- Assault & Battery Limitation
- Bleacher Collapse Exclusion
- Contractual Liability Limitation
- Sex Abuse/Molestation Exclusion
- Claims Made Policy Form
Additional coverages that can be added to policy forms:
What is the premium based upon?
The premium is typically based on the number of participants or teams and the length of the season or activity. Rates are established for each type of sport or recreation activity based the loss history of similar groups. The specific loss history of the organization may also be taken into account.
General Liability carriers offered by Sadler Sports & Recreation Insurance:
- K&K/National Casualty/Nationwide/Scottsdale
- Philadelphia Insurance Companies
- AIG
- American Specialty
- Francis L. Dean/Crum & Forster
- Specialty Insurance Group/Everest
- Bollinger/Markel
- and many more
See our recent blog posts for more information on General Liability insurance
How to get a quote
Visit our home page and click on “get quote” and select the program that best matches up with your operations. Most of our programs provide instant online quote/pay/print of coverage documents and certificates for facility owners.