This insurance program has been specifically designed to provide coverage on a short-term basis for amateur sports tournaments and events. Coverage provided under this program includes important liability coverage for the U.S.-based organization conducting the event, including the employees and volunteers. Coverage is also included for ancillary activities (banquets, concerts, awards ceremonies) that are for those participants in your sports competition. In addition, many types of sports events can obtain legal liability to participants and medical payments for participants coverage.
The maximum number of participants is 1,100 with the maximum spectator attendance per day of 7,500. The maximum number of event dates (including practice dates) is 6 consecutive days or 2 consecutive weekends (not including setup and tear down).
| Bowling | Dance | Golf |
| Tennis | Volleyball | Walking |
| Baseball | Cross Country Skiing | Kickball |
| Softball |
| Basketball | Cheerleading (19 & under) | Flag/Touch Football |
| Lacrosse (19 & under) | On-Shore Fishing | Racquetball |
| Running | Soccer (19 & under) | Swimming |
| Tackle Football (19 & under) | Wrestling (19 & under) |
| Diving | Gymnastics | In-Line Hockey |
| In-Line Skating | Martial Arts | Soccer (over age 19) |
| Wrestling (over age 19) | Dodgeball | Cheerleading (19 & under) |
Commercial general liability coverage protects the insured against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations, and personal and advertising injury. No deductible applies to liability claims.
Coverage Options A and B also include the following coverages:
Legal liability to participants which protects the insured against bodily injury liability claims brought by persons participating in sports activities.
Medical payments for participants coverage pays the medical and dental expenses incurred by a "participant" when an accidental injury occurs while participating at the tournament or event that you are organizing. The coverage is provided on an excess basis, responding after all other coverage available to the "participant" has been exhausted. If no other coverage exists, the coverage becomes primary. A $100 deductible applies to each claim and the benefit period is 2 years from the date of the accident. A "participant" means any person practicing for, performing in, or otherwise participating in a covered program. Participant does not include any compensated member of your staff, including employees or independent contractors.
Options A and B are available for the sports listed as Class 1, 2, or 3 only. Options C and D are available for sports listed as Class 1, 2, 3, or 4
| COVERAGE | Option A | Option B | Option C | Option D |
|---|---|---|---|---|
| General Aggregate (other than Products-completed Operations) | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 |
| Commercial General Liability Per Occurance | $1,000,000 | $2,000,000 | $1,000,000 | $2,000,000 |
| Products-Completed Operations Aggregate | $1,000,000 | $2,000,000 | $1,000,000 | $2,000,000 |
| Personal and Advertising Injury | $1,000,000 | $2,000,000 | $1,000,000 | $2,000,000 |
| Legal Liability to Participants | $1,000,000 | $2,000,000 | Excluded | Excluded |
| Damage to Premises Rented to You | $300,000 | $300,000 | $300,000 | $300,000 |
| Medical Expense (other than participants) | $5,000 | $5,000 | $5,000 | $5,000 |
| Medical Payments for Participants ($100 deductible applies) |
$25,000 | $25,000 | Excluded | Excluded |
Class 4 sports that desire Legal Liability to Participants and Medical Payments for Participants may be eligible under another program. Please call us at 1-800-727-7642 for other options.
Notable Exclusions
Abuse or molestation, Amusement devices (rides, slide, inflatables), Employment-related practices, Lead, Nuclear energy, 24-hr premises liability, Asbestos, Fireworks, Fungi or bacteria, Pollution, Room and board liability, Claims arising out of
the operations of independent concessionaires, exhibitors and vendors, Dunk tanks, Haunted attractions, climbing walls.
