How to Pick Sports League Insurance: 7 Easy Tips

Sports league insurance protects the boards, volunteers, players, and parents who keep youth sports running. Leagues schedule games, manage rules, and host championships every season. However, those duties bring real exposure. As a result, the right coverage shields your league from claims that could otherwise drain the treasury. A single lawsuit can drain a treasury that took seasons to build.

At Bene-Marc Youth Sports Insurance, we have built sports league insurance programs for more than 53 years. In addition, our agents tailor each policy to the size and structure of your league. Because of this, board members and parents can focus on the kids.

What sports league insurance usually includes

First, most leagues build coverage around a core general liability policy. Moreover, they layer in additional coverages that match their operations and assets.

• General liability: Responds to third party injury or property damage claims.
• Property and equipment: Protects buildings, gear, and scoreboards.
• Accident insurance: Helps cover medical bills when participants get hurt.
• Directors and officers: Protects board members from decisions they make for the league.
• Employment practices liability: Responds to claims of harassment or wrongful termination.
• Crime insurance: Helps recover funds from theft, fraud, or embezzlement.
• Workers compensation: Covers job related injuries to league employees.

Why directors and officers coverage matters

Next, directors and officers coverage often surprises new board members. For example, parents who volunteer for the board can be named personally in a lawsuit. By contrast, a strong D and O policy responds to those claims and helps cover legal fees. As a result, your volunteer leaders stay willing to serve. That protection is what keeps good parents willing to lead.

How accident insurance protects families

In addition, accident insurance, also called medical expense coverage, often sits on top of a family health plan. However, it can act as primary coverage when a player has no other health insurance. Moreover, this coverage reduces lawsuit pressure because out of pocket bills shrink. Because of this, families and the league both win. Lower out-of-pocket bills also keep families from looking for someone to blame.

How to pick sports league insurance: 7 easy tips

Finally, use this short checklist when you renew or shop your program. In fact, most boards can run through it in one meeting.

• List every team, age bracket, and venue your league uses.
• Confirm general liability limits match what your fields and host venues require.
• Add accident insurance so injured athletes are not stuck with bills.
• Add directors and officers coverage to protect volunteer board members.
• Add crime insurance if your league handles registration fees.
• Review business auto if volunteers drive for the league.
• Schedule a yearly check with a Bene-Marc Youth Sports Insurance agent.

Other coverages leagues often add

However, sports league insurance can stretch further when needed. For example, cyber risk insurance helps if your registration system suffers a data breach. Moreover, business auto coverage steps in for owned, non owned, and hired vehicles. Furthermore, you can compare related options on our leagues and tournaments page and our leagues and tournaments quote page.

For more on the youth sports landscape, the Aspen Project Play initiative shares helpful research.

Talk with a Bene-Marc Youth Sports Insurance agent

To wrap up, the simplest way to lock in the right sports league insurance is a quick call with an agent who works with leagues 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 season can stay safe, fun, and well covered. A short call with a specialist locks in the right plan fast. Most boards finish the review in one short meeting.