Accidents aren’t supposed to happen…but they do. Make sure you have the insurance plans in place before the referee starts the game! Whether its practice or play, having the right insurance in place can eliminate the worries associated with accidents. Participants, coaches, umpires and volunteers can all be taken care of with solid protection. Whether a single event, one game, a full season with playoffs or an entire year with many sports, let us design the right program for you!

Plan Description

This program provides coverage for youth sport teams, leagues or associations. From a seasonal sport team or league to a sport association with sports year round, SMIC can write coverage to protect both the participants and the hosting organization.

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

$25,000 Maximum
$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
Non-Audited policy
No Deductible