How to Pick Sports Clinic Insurance: 5 Easy Tips

Sports clinic insurance protects coaches, staff, and young athletes when accidents happen during instruction. Running a clinic is rewarding, but injuries on the field are part of youth sports. As a result, the right coverage lets you focus on teaching skills, not legal risk. A plan matched to your clinic is far easier to lean on when an injury happens.

At Bene-Marc Youth Sports Insurance, we have insured clinics and camps for more than 53 years. In addition, our agents tailor each policy to fit the size and sport of your program. Because of this, you can build the next generation of athletes with real confidence. That tailoring keeps a small clinic from overpaying while a big program stays fully covered.

What sports clinic insurance usually includes

First, most clinics need general liability as their base coverage. This pays for bodily injury and property damage claims tied to your operations. Moreover, you can add layers of protection for the unique risks of youth sports. General liability is also the coverage most field owners ask to see before you book.

• General liability: Covers bodily injury and third party property damage.
• Excess accident medical: Helps pay medical bills for participant injuries.
• Sexual abuse and molestation: Responds to abuse allegations against staff or volunteers.
• Equipment coverage: Protects bats, rackets, nets, and other gear.
• Certified acts of terrorism: Adds protection if a covered event disrupts operations.

When sports clinic insurance should start

Next, set the policy to start the day your operations begin, not the day campers arrive. For example, setup, tryouts, and staff training all carry risk. As a result, an early start date keeps the clinic covered before the first whistle blows. A gap during setup or tryouts is exactly the kind of claim an early start date prevents.

However, some clinics run only a few weekends a year. By contrast, year-round programs need annual policies. In addition, a Bene-Marc Youth Sports Insurance agent can match the term to your real schedule. Matching the term to your calendar keeps you from paying for weeks you never run.

How to pick sports clinic insurance: 5 easy tips

Finally, use this short checklist when you compare options. In fact, most clinic directors can work through it in one afternoon. Working through it early leaves time to fix any gap before opening day.

• Confirm your sport is eligible, since rock climbing, horseback riding, and gymnastics may need a specialty market.
• List every coach, volunteer, and helper you need to include on the policy.
• Add excess accident medical so injured athletes are not stuck with hospital bills.
• Add sexual abuse and molestation coverage to protect your staff and your program.
• Review limits, deductibles, and the schedule with a Bene-Marc Youth Sports Insurance agent.

Why specialty coverage matters for youth clinics

In addition, sexual abuse and molestation coverage deserves a closer look. According to Aspen Project Play, youth sports reach tens of millions of kids each year. As a result, programs need both careful background checks and the right insurance. Screening and training come first, but the right policy is the backstop when prevention falls short.

Furthermore, you can compare related coverages on our sports camps and clinics page and our camps and clinics quote page.

Talk with a Bene-Marc Youth Sports Insurance agent

To wrap up, the simplest way to lock in the right sports clinic insurance is to talk with an agent who works with clinics every day. Call Bene-Marc Youth Sports Insurance at 800-247-1734 or visit bene-marc.com for a quote. As a result, your next clinic can stay fun, safe, and well covered.