Sports Advantage
Description
Over 45 million people are involved in organized sports each year
Participation in recreational sports continues to rise and organizations face a wide variety of exposures ranging from participant and spectator injury to decisions made in managing the operations. Whether it be a team, league, association, camp or clinic, we have you covered. Our broad product meets the needs of the organizations by providing general liability, directors and officers liability, employment practices liability, hired and non-owned auto, property, inland marine, commercial umbrella and crime coverage.
General Liability Features
Includes coverage for spectators, abuse and molestation, assault and battery and ability to include youth participants
- Participant coverage is available for youth
- Abuse and molestation limits of $100,000 /$200,000 included with the option to increase limits to $1,000,000 for
- youth-only organizations
- Assault or battery sublimit at no additional charge
- Fundraisers and certain special events included
- Landlord listed as an additional insured for no additional cost
- No designated premise limitation
- No liability deductible
Directors & Officers*/ Employment Practices Liability
Protect members of the board and their personal assets
- Lifetime occurrence reporting provision – Unlimited reporting extension for former directors and officers
- Volunteers are included within the definition of “employee”
- Third party discrimination and harassment coverage is included
- Data & Security+ endorsement – Provides a $50,000 expense sublimit each for data breach, identity theft, workplace violence and kidnap expenses
- Full prior acts coverage
- Unlimited defense outside the limit
- Separate limits of liability for directors and officers and employment practices liability claims
- Breach of contract coverage
- Fair Labor Standards Act (FLSA / Wage and Hour) sublimit of $100,000 for defense costs and loss (available in most states)
- Optional fiduciary coverage
- Optional standard form – A competitively-priced alternative to our broad form option
*For nonprofit entities
Property & Inland Marine Features
Includes sports equipment, field maintenance equipment and concession stand
- Property limits are available up to $3,000,000 ($1,000,000 in coastal territories)
- Ability to provide inland marine on a scheduled or blanket basis up to $500,000 ($25,000 maximum value per scheduled item)
- Value Plus endorsement – 14 valuable coverage enhancements including:
- $25,000 fine arts, $10,000 sign, $10,000 transit, $5,000 monies and securities,$5,000 employee dishonesty and more
Availability
Applications and Informational PDFs
Contact Charity First Insurance Services, Inc.
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