Sports & Leisure Insurance
Sports and leisure insurance covers the liability and participant accident exposures of organized sports programs, fitness facilities, and recreational activities. Whether you operate a youth soccer league, a CrossFit gym, an adult kickball league, or a batting cage, the combination of physical acti…
Key Coverages for Sports & Leisure Businesses
- Commercial general liability for participant injuries and property damage
- Participant accident medical coverage — no-fault reimbursement
- Directors and officers liability for league boards
- Sexual abuse and molestation coverage for youth programs
- Property coverage for facilities and equipment
- Hired and non-owned auto for volunteer drivers
Frequently Asked Questions
Do sports leagues need insurance if participants sign waivers?
Yes. Waivers provide partial protection but don't eliminate all liability. Minors generally cannot waive claims in California, waivers can be invalidated for gross negligence, and they don't cover third-party property damage or spectator injuries. In…
What is participant accident coverage?
Participant accident is no-fault medical expense coverage for injured participants. If a player breaks their arm, medical expenses are paid up to the policy limit without determining negligence. It's cheaper than a health insurance claim and prevents…