FAQ

An "additional insured" is an entity that has an insurable interest for claims arising out of your negligence as the named insured, such as a landlord or sponsor. By providing entities with additional insured status, they become entitled to defense and indemnity (if the policy limits are not exhausted) under your policy with no responsibility for premium payments. You can add as many additional insureds as you need to our policies at no charge. Once you have gone through the online process and purchased coverage for the event or business, you’ll have the opportunity to add additional insureds on the policy.

A "general aggregate" is the maximum amount to be paid under any policy period for all losses.

For sports teams & leagues, sports camps & clinics, gymnastics facilities, and concessionaires, exhibitors & vendors (6-month or annual options), you will receive an individual policy issued to your insured. For short-term special events, sports tournaments & events, and concessionaires, exhibitors & vendors (single event option), you will receive a certificate of coverage for your insured as part of a master policy.

After you have completed the online payment process, you will be able to view and print your coverage certificate(s) and/or your coverage binder(s). You should either print these documents or save a copy of them electronically for your files. You will also be able to request and print or save any required additional insured certificates or evidence of insurance coverage certificates. View existing certificate or create new ones by selecting the "View My Policy/Certificate" link in the menu bar, then enter the confirmation number you received when purchasing your coverage. You can also retrieve your confirmation number if you no longer have it.

Sports Teams & Leagues: Coverage starts the day after coverage is purchased or on a later date, if requested. If you are holding tryouts or practices prior to the official start of your season, you should choose an effective date prior to the date of your first team or league activity. The policy will be effective for one year from the effective date and covers only the specific league and/or teams for which coverage is being purchased.

Sports Tournaments & Events: If purchased early enough, coverage starts 5 days prior to the event to allow for event setup. If coverage is purchased within 5 days of the event start date, as many days as possible will be added to the effective date for setup. Coverage ends 5 days after the conclusion of your event to allow for tear down.

Sports Camps & Clinics: Coverage starts the day after coverage is purchased or on a later date, if requested. Coverage expires on the date that you specify, which should be after the conclusion of all scheduled clinics.

Short-Term Special Events: If purchased early enough, coverage starts 5 days prior to the event to allow for event setup. If coverage is purchased within 5 days of the event date, as many days as possible will be added to the effective date for setup. Coverage ends 5 days after the conclusion of your event to allow for tear down.

Concessionaires, Vendors & Exhibitors: Coverage starts the day after coverage is purchased or on a later date, if requested. Coverage remains in effect for the duration of your event, for 6 months or for a full year, depending on the coverage option you choose.

Gymnastics Facilities: Coverage starts the day after coverage is purchased or on a later date, if requested. The policy will be in force for one year from the effective date.

This program and applications are uniquely designed for online use. If you need assistance or have general program questions, feel free to call the number listed on the Contact Us page or email us.

Yes, we accept both Visa and MasterCard as forms of payment, in addition to Electronic Funds Transfer from your organization's checking account.

We work with A.M. Best “A” rated or higher insurance companies.

Yes, and there is no additional charge to add additional insureds. Once you have gone through the online process and purchased coverage for the event or business, you’ll have the opportunity to add additional insureds on the policy. You may view existing certificates or create new ones by selecting the "View My Policy/Certificate" link in the menu bar. Enter the confirmation number you received when purchasing your coverage. If you no longer have the confirmation number, click the retrieval link.

No, never—no matter how many you need. You may view existing certificates or create new ones by selecting the "View My Policy/Certificate" link in the menu bar. Enter the confirmation number you received when purchasing your coverage. If you no longer have the confirmation number, click the retrieval link.

No. Express comes with no strings attached, whether you need a single quote or more than you can count. Once you see how easy it is to use, you’re sure to keep coming back.