How to Pick Athletic Event Insurance: 5 Easy Tips

Athletic event insurance protects the organizations behind every game, tournament, and competition. A single accident or rainout can wipe out months of planning. As a result, every event host needs a clear plan for coverage. At Bene-Marc Youth Sports Insurance, we have helped athletic events of every size for more than 53 years.

This guide walks you through five easy tips for picking athletic event insurance that fits your competition. First, we will define the coverage. Then, we will outline the core policies and how to put them together.

1. Understand what athletic event insurance is

Athletic event insurance is not a single policy. In most cases, it is a portfolio of coverages that work together to protect your operation. Some insurers offer general special event packages. However, athletic events bring unique risks that often require a custom plan.

Single game day, weekend tournament, or season long campaign, each format carries different exposures. As a result, your coverage should match the scope and size of your event.

2. Build the core of your athletic event insurance plan

Most events need a base set of policies. In addition, your sport, venue, and travel plan may add more. The list below covers the policies we recommend most often:

• General liability insurance, which helps pay for losses when a spectator or third party is hurt
• Commercial property insurance, which covers buildings, equipment, electronics, and inventory
• Business interruption insurance, which replaces income lost after a covered incident
• Accident medical expense insurance, which helps pay medical bills for injured competitors
• Event cancellation insurance, which reimburses lost deposits when you must postpone or cancel
• Event liability insurance, which protects you from third party claims tied to your venue
• Workers compensation insurance, which supports staff hurt on the job

3. Address gaps in your athletic event insurance

Even strong portfolios leave gaps. For example, inland marine insurance covers equipment in transit between venues. As a result, multi venue tournaments often need that add on. In addition, abuse and molestation coverage matters for any program working with minors.

Talk with a specialist about the gaps your event leaves behind. The right agent reviews your operations and recommends the add ons that fit. Our team has insured events across all 50 states, so we know which gaps come up most often.

4. Match athletic event insurance to your venue and athletes

No two events look alike. Indoor venues differ from outdoor fields. Youth football has different exposures than tournament baseball. As a result, your coverage should reflect the sport, the age group, and the venue. Youth football at Bene-Marc Youth Sports Insurance covers athletes 15 and under, while other sports run through age 18.

For research on youth injury rates by sport, see the Aspen Project Play data. In addition, our team can point you to coverage benchmarks for your sport.

5. Work with a specialist on your athletic event insurance

The best way to build athletic event insurance is with a specialist. We answer the phone, write plain English quotes, and help when a claim happens. In addition, we have over 150 years of combined experience insuring youth sports camps, K-12 schools, and intercollegiate competitions.

Get started with Bene-Marc Youth Sports Insurance

Ready to protect your event? Call Bene-Marc Youth Sports Insurance at 800-247-1734 or visit bene-marc.com/contact for a fast, free quote. We will help you build athletic event insurance that fits your athletes, your staff, and your budget.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.