Understanding Sports Clinic Liability Insurance

Operating a sports clinic requires you to account for many risks and exposures. Even the most experienced and responsible sports clinics should prioritize implementing and maintaining adequate loss control measures, such as various types of liability insurance. After all, incidents for which your organization is liable could incur devastating financial and reputational consequences. 

What Is Sports Clinic Liability Insurance?

Sports clinic liability insurance may not typically be available as a specific policy. Rather, your organization should be prepared to assemble its own portfolio of coverages capable of limiting liability-related losses. Although specific liability insurance needs may vary among sports clinics, the following coverages may typically be advisable:  

• Participant injury liability coverage—This coverage may help pay for medical bills and other financial losses from injuries and incidents affecting athletes while participating in your clinic.
• General liability insurance—This coverage may provide financial assistance if your clinic is responsible for incidents affecting third parties, such as bodily injuries suffered by spectators or damage to neighbors’ property.
• Employers liability insurance—This coverage may render financial aid for medical expenses and other financial losses following employees’ work-related illnesses and injuries and is typically included in workers’ compensation coverage.
• Professional liability insurance—This coverage may help pay for legal costs and other financial losses if a participant of your clinic alleges that they received inadequate advice, coaching, guidance or medical treatment.
• Abuse liability coverage—This coverage may provide financial assistance if an instructor, coach or other representative of your clinic is accused of physically, sexually or emotionally abusing participants.
• Commercial umbrella insurance—This secondary form of coverage may provide additional aid if the liability limits of other policies are exhausted. 

Depending on the specific operations of your clinic, you may also need additional insurance. For example, if your organization uses motor vehicles for business purposes or handles sensitive data, you may need commercial auto liability and cyber liability coverage, respectively. 

Get the Right Coverage 
By securing and maintaining adequate liability insurance, your sports clinic can access financial resources that may play a critical role in limiting out-of-pocket losses. Even if your organization is eventually found innocent of wrongdoing, the cost of defense against accusations makes adequate insurance a critical investment.  

The knowledgeable staff at Bene-Marc Inc. is well-equipped with specialized sports insurance knowledge. Our agents have extensive experience working with clinics, clubs and other athletic organizations to ensure optimal coverage solutions. Visit our website or call 800-247-1734 to get started today. 

 

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.