What Are The Best Youth Sports League Insurance Options?

Running a youth sports league means wearing a lot of hats.

You’re coordinating schedules, managing volunteers, communicating with parents, and making sure every kid on your roster has a safe place to compete and grow. Insurance probably isn’t the first thing on your mind, but it should be near the top of your list before the season starts.

At Bene-Marc Youth Sports Insurance, we’ve been protecting youth leagues for over 53 years. We work exclusively with youth organizations, and most of our business comes from leagues just like yours. We know this space well, and we want to help you navigate it with confidence.

What does youth sports league insurance actually cover?

Here’s a look at the key coverage options leagues typically need:

• General liability insurance. This is your foundation. If a parent trips and falls at your field, or a player is injured during a game and someone points a finger at the league, general liability steps in. It protects the organization itself from third-party claims.
• Excess accident medical coverage. Youth athletes get hurt. It happens. This coverage helps pay for medical expenses when a participant is injured during a sanctioned league activity, above and beyond what their personal health insurance covers.
• Sexual abuse and molestation coverage. No one wants to think about this, but every responsible youth organization must. This coverage protects your league and your kids. Many venues and parks now require it before you can even use their facilities.
• Directors and officers insurance. Your board members and officers make decisions every day on behalf of the league. D&O coverage protects them personally if those decisions are ever called into question.
• Equipment insurance and hired and non-owned auto are also available and worth a conversation depending on how your league operates.

One size does not fit all

Here’s something we say often: one size does not fit all when it comes to youth sports insurance.

A flag football league in Texas has different needs than a baseball league in New England. Our job is to listen, assess your specific situation, and build a policy that actually fits. We don’t push you toward a one-size master policy and call it done. We explain your options clearly so you can make an informed decision.

Michael Ricci, who runs youth leagues in his area, put it this way: “She makes the process of renewing my insurance easy and simple. I would recommend Bene-Marc to anyone.”

Robert Williams, whose organization has worked with us for many years, said: “Lisa and her team are so easy to work with. The response time is really fast, their attention to detail is impeccable, and their overall level of service is consistently excellent.”

That’s the standard we hold ourselves to, every season, every renewal.

A word on football coverage

For leagues running tackle football or flag football programs, we cover participants up to age 15. For all other sports, coverage is available for athletes 18 and under. We focus entirely on youth sports, which means our policies and our expertise are built around the unique needs of young athletes and the organizations that serve them.

How to get started

Getting coverage through Bene-Marc Youth Sports Insurance is straightforward. You can call us at 800-247-1734 and a real, live person will answer. No phone trees, no waiting for a callback. We’re available Monday through Friday, 8 a.m. to 5 p.m. Central, and we’re ready to help you figure out exactly what your league needs.

You can also click here to request a quote.

Your players deserve a safe place to compete. Your league deserves protection that actually works. We’d love to be the team behind your team.

Play hard, rest easy, knowing you are covered.