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Why do sports events and tournaments need insurance coverage?

The facilities are rented, the teams are registered, and the weekend schedule is set. The only thing left is purchasing insurance coverage! Healthy competition can quickly take an unwanted turn and lead to unforeseeable injuries and intimidating insurance claims. So why take the risk of paying claims out-of-pocket? From beginning to end, sports events and tournaments insurance provides the coverage needed to ensure a successful experience for all. American Specialty Express makes purchasing coverage quick, painless, and simple, providing peace of mind before, during, and after the event or tournament.

 

The following information is offered as a snapshot of the coverages provided through the American Specialty Express sports events & tournaments insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.

Are all sports eligible for events & tournaments coverage?

Eligible sports include:

 

Baseball

Basketball

Bowling

Dance – Competitive

Dance – Ballroom/Recreational

Flag or Touch Football

Golf

Kickball

Lacrosse

Pickleball

Racquetball

Soccer – YOUTH ONLY

Softball

Swimming (pools only)

Tennis

Volleyball

Walk/Run

What are some parameters for this type of coverage?

This insurance coverage provides liability protection for sports tournaments, exhibitions, and events. Coverage includes Participant Legal Liability, which is a critical component to protect the insured when a player holds the insured responsible for an injury. Many insurance policies exclude this coverage, which leaves a major gap in coverage and creates an unnecessary exposure for the insured. Additional coverage options include accident medical insurance to cover medical bills for participant injuries that occur during the insured’s organized activities. Tournament and event directors can rest easy when coverage is purchased through American Specialty Express. Not only are they getting the best coverage, but they’re getting it at an affordable price.

What are general examples of when this coverage would be used?

1. Club soccer tournaments are a fun and popular activity for children of all ages. During one particularly competitive game, a sixteen-year-old sprints after a wild kick and runs into an eight-year-old on an adjacent field. Both players suffer moderate injuries, and both families claim the fields were too close together with no preventative measures in place. The younger player's family settles for ticket and tournament fee reimbursements, while the older player's family hires an attorney and demands $75,000 as reimbursement for medical bills, pain and suffering, and the loss of a college scholarship. Receiving a demand from a plaintiff’s attorney is not a pleasant experience, and the tournament organizer is relieved to send the matter to American Specialty to handle.

 

2. It’s a packed house at the regional teen bowling competition. In a heated battle for a trip to the finals, the ball slips out of a bowler’s hand and lands directly on the foot of a nearby spectator. The spectator is taken to the emergency room and undergoes a significant surgical operation. The event manager soon receives a claim for $35,000 of medical bills – a harsh reality after an otherwise very successful event. The manager is thrilled to remember the policy he purchased through American Specialty and quickly forwards the claim to a team of specialists.

How can I obtain more information?

Have questions that need additional clarification? Please do not hesitate to contact us! Call us, chat with us online, or send us an email. Technology is great, but our sports events & tournaments insurance is provided by real people with real advice and a real desire to help. Contact us today!

What makes Express stand out?

American Specialty Express delivers the ability to instantly quote and buy affordable insurance coverage from a team of industry experts. Additionally, Express offers the luxury of returning to your account anytime you want. Coverage can be purchased the day before the event and provides all the needed documents online. Once coverage is bound, eligible additional insureds can be added for no additional cost! The necessary steps to add an additional insured, review coverage parameters, or report a claim can be completed in just minutes. Need a copy of the policy? Get online anytime to print a copy of the insurance policy or access a certificate of insurance. No one plans for problems at sports events and tournaments, but if disaster strikes we provide an easy, hassle-free process for reporting and managing claims.

    So what's next? Time to purchase your Sports Events and Tournaments Insurance!

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