Accident Medical and General Liability Programs working together
From a One Day Event, to a full year jam packed with multiple sports, organization leaders need to be sure they have the protection they need to cover both the athletic participants and their organization. Accident Medical policies act as a “first line of defense” when an injury occurs. There is no need to prove negligence, the injured participant simply files a claim for benefits with the insurance carrier. This often eliminates the need for anyone to file suit and avoids the legal expenses for both organization and the carrier.
For groups that have athletic activities, practicing, instructing a participant, physical exercises or games or sports or athletic contests, the Bodily Injury coverage under the General Liability policy does not apply unless Accident Medical Coverage is carried by or on behalf of the participants. In order for the Participant Legal Liability to be provided under the General Liability policy, there must be accident medical coverage on the participants.
Accident Medical coverage provided by this program protects all insured participants of the activities. Coverage protects individuals while participating in the insured organization’s activities and traveling to, during or after such activities as a member of a group in transportation furnished or arranged by the Policyholder.
General Liability coverage afforded by this Program provides protection to the Named Insured including volunteers and employees for claims of Bodily Injury and Property Damage arising from the inherent risks involved in operating sports events and/or tournaments. Participant Liability coverage is included. This important coverage protects the Named Insured against Bodily Injury claims brought by persons participating in the insured activities.
Typical Accident Medical Plan Description
$100 Corridor Deductible
$10,000 Accidental Death and Dismemberment Schedule
Flexible Plan Designs
Most Plans written as Full Excess
Typical General Liability Plan Description
$1,000,000 per occurrence /$2,000,000 aggregate
Including coverage for:
Products and Completed Operations Coverage
Lawsuits brought against you by Spectators, Participants, and Volunteers
Personal and Advertising Injury Coverage
Participant Liability Coverage
Property Damage Liability Coverage
Host Liquor Liability Coverage
Additional Insureds Coverage for Owners of Leased Premises and Sponsors