Are you and your organization at risk because of
your involvement in sports?
Insurance for your league and organization are a must.
We live in an extremely litigious society and must
constantly protect ourselves against litigation as a
result of our volunteer activities. Whether we like it
or not, our courts have made us responsible, and we do
which allow us to use their facilities (schools, towns,
fraternal organizations and the like) also require that
we be insured, and provide them with certificates of
insurance with them as an “additional named insured”.
many years these entities required a $1,000,000
liability policy. Most now are requiring $2,000,000.
areas in which we need protection, and hence, must be
covered by the liability policy are host liquor
liability (in the event we sponsor dinners or dances
which include liquor); products liability; non-owned
auto coverage; and consider the potential need for
sexual molestation coverage.
can provide up to $2,000,000 coverage with all the above
TO BE CAREFUL OF WHEN SELECTING LIABILITY COVERAGE
should be on “Occurrence” basis; NOT “CLAIMS MADE”—VERY
should have all coverage's desired available, even if
Determine the level of accident insurance coverage
required by the plan (all these liability policies
require underlying accident insurance).
that there is no athletic participation exclusion. VERY