Sports League Insurance
About Our Sports Leagues and Tournaments Insurance
Each year around the country, you can feel the excitement in the air as teams and leagues prepare to match up against one another to begin a new season of play. However, what happens when the ball is snapped, the goal is scored, or the person on 3rd base slides into home plate to score the winning point and someone is injured?
The necessity to protect youth and amateur sports participants and teams across America has been at the forefront of the media with allegations of sexual abuse and misconduct charges, demand for concussion protocol, legislation to improve safety for youth sports, and misconduct that can result in lawsuits.
Rest assured, Bene-Marc has secured general liability, excess accident medical, Directors and Officers, excess liability, and sexual abuse and molestation insurance policy limits to protect your organization.
Our Commitment to You:
- Our team is made up of licensed agents
- +150 years of insurance experience combined
- Our staff is always available to help you customize your sports insurance needs
- We answer the phone!
The Bene-Marc Difference for Amateur and Youth Sports Insurance
- Mitigating The Risk: Bene-Marc Sports Insurance is committed to a risk management approach created to assess the needs of your team, league, camp, or association and customize an insurance plan design that will give you the policy limits, deductible, and rates to protect all members of your organization.
- Customer Service: First and foremost, customer service is key to providing fast, friendly customer care that you can count on for your insurance needs. Our professional and licensed insurance staff is one phone call away. One area that sets Bene-Marc apart from the competition is the fact that a live customer service representative will answer the phone when you call to assist you with your sports insurance needs during office hours. M-F: 8:00 a.m. to 5:00 p.m. (CST)
- Competitive Pricing: Bene-Marc strives to provide extremely competitive rates with exceptional policy limits for over 75 sports and recreational activities.
- Custom Options: Many sports insurance companies provide coverage on a master policy basis, where the customers’ only option to procure insurance is to accept the policy limits outlined. At Bene-Marc, our staff is committed to educating your organization about the policy limits required to procure the best rates and limits needed by your team, league, camp or organization to take the field for sports practices or games. That is why Bene-Marc offers a multitude of choices for you to select from including General Liability Insurance, Excess Accident Medical Coverage, Sexual Abuse Molestation Coverage, Excess Liability Coverage Directors and Officers Insurance, Equipment Insurance, Crime Insurance, and Hired and Non-Owned Auto Insurance.
Many organizations are confused about what coverage will best protect their sports association, league, camp, clinic, or tournament. The Bene-Marc risk management team is available to assess your insurance needs and design a plan customized for you. One size does not fit all when it comes to sports insurance, so contact the Bene-Marc team for a free risk assessment.
Frequently Asked Questions
Why do I have to purchase both Accident Medical and General Liability insurance for my League? What is the difference?
To give adequate protection for both participants and coaches and to obtain playing fields, both coverages are needed. Accident Medical insurance protects the players and coaches from an accidental injury that happens during sanctioned practice or play. This insurance is excess to any other valid and collectible insurance that may be in place for players or coaches.
The General Liability insurance protects you, your League officials, and volunteers for any bodily injury or property damage to a third party that your League would be legally obligated to pay as a result of your negligence. Evidence of General Liability insurance is usually required by a field owner before a League can use that property.
How quickly can coverage be bound for my League
Coverage can be bound the same day we receive and approve a completed application with its accompanying premium in our office. Evidence of insurance coverage in the form of a Certificate of Insurance will be issued when your account is processed.
Why would my League need Directors & Officers coverage? Doesn’t my General Liability policy protect my League and the decisions the officers may make?
Your General Liability policy may not cover certain types of lawsuits that involve such issues as discrimination, wrongful termination of a coach, suspension of League personnel, or rule book disputes. This D & O policy would protect you and your League against these types of wrongful acts where your General Liability primarily covers bodily injury and property damage to a third party. No organization is immune from being named in a lawsuit. Disciplinary action against an individual who doesn’t believe League rules have been violated could result in a suit against the organization. This policy would cover the legal costs related to defending the League against such a suit.
Bene-Marc has the right coverage for you at the right price, with agents ready to help insure your sport and special events. Call us today at 800-247-1734 or fill out an online quote now.
