Every year, thousands of people play team or association sports. They do so to stay in shape, have fun and engage their competitive spirit.
However, we all know that playing sports can be risky. Every player faces an injury risk, even in solo sports. As a coach or manager, do everything you can to reduce the risks of injury surrounding your players.
Injury risks management involves implementing best practices to keep your team safe. It also involves getting sports insurance to protect your team’s liability risks.
Sports Insurance for Injuries
Sports insurance can protect injuries in a couple of ways.
First, it might cover injuries if your policies includes participant accident coverage. Coverage can help you afford medical costs in case a player gets hurt and needs medical help.
Second, team managers should also consider carrying participant liability coverage. If someone gets hurt in the course of play, they might sue the team. Liability coverage can help you defend yourself against a legal claim.
Remember, accident and liability insurance could contain exclusions. Therefore, make sure your policies specifically cover the risks you face.
Preparing for Possible Injuries
Never forget that every team, even the safest ones, faces injury risks. Coaches and management should have the materials to address accidents that cause injuries.
- Always keep proper paperwork about your team on file. This should include any waivers and permission to take part that the law requires. Furthermore, keep a brief medical history of each team member, as appropriate by law. These might include the results of physicals, allergy lists, and documentation of health problems. Don’t forget to include emergency contact information for your players’ loved ones.
- Keep a first aid kit handy with appropriate materials. This might include ice packs, bandages, and disinfectants. Also include certain common medication like aspirin, cortisone cream or pain killers. Never administer medication or treatment without the permission of the player or a parent.
- Should an injury occur, do not allow a player to continue play. Even if they injury appears minor, continued play might exacerbate the damage. Assess the injury for severity. In many cases, it is best to seek medical treatment should a player show signs of trauma or severe injuries.
Keep an eye on your team. If someone gets hurt, or even appears ill during play, it is best to check that person for injuries. In the event of serious injuries, your sports insurance might help you protect your injured player. Proper protection will help you keep a strong team in play.
We’ve got you covered. Bene-Marc, Inc. can help you get the sports insurance coverage you need. Call us at (800) 247-1734 for more information.