School sports teams don’t achieve winning status all on their own. Players, counselors and coaches all need support. They get that from dedicated supporters. Booster clubs, often organized by parents and others, provide invaluable sustenance for teams. They usually do so with very little room for personal profit.
Should a challenge threaten the club, it could create a precarious financial position. Third parties might allege that the booster club caused them property damage, injuries or other harm. In such situations, a strong liability insurance policy might come in handy.
Getting the Liability Coverage You Need
Liability insurance comes in many different shapes and sizes. So, let’s think about it as an idea first. Coverage protects the insured group in case its actions harm another party. So, if the club harms someone else, even unintentionally, this coverage might help. It might help the booster club pay for physical and non-physical damage, as well as legal costs.
Nevertheless, liability insurance comes in many different shapes and sizes. Some of the coverage you might need includes
- Bodily injury coverage: During booster club events, a patron might get hurt. They could request or sue for damages or medical costs. This coverage might provide those funds.
- Medical payments protection: Volunteers, though in service of the club, still might need injury protection. This coverage can extend to those serving the club. Remember, volunteers likely don’t qualify for workers’ compensation.
- Personal injury coverage: This protection differs from bodily injury insurance. It covers of accusations of libel, slander or other reputation damage.
- Property damage coverage: Let’s say that, at a food service booth, something spills and ruins someone’s expensive purse. Property damage protection might pay for a replacement item.
- Rented premises liability coverage: If you damage a rented space or equipment, this policy might help.
- Advertising liability insurance: Covers damage in case club promotional materials lead to claims of libel, slander or copyright infringement.
Other protection, like sexual misconduct or commercial auto liability insurance might also help the club. Talk to your insurance agent about the activities, materials and other practices. They can likely help you create a tailored package of liability coverage. Also, check with your school district or campus to see how much, if any, liability insurance it provides. Some campuses do offer coverage, while others do not. This step might help you better determine your coverage needs.
Call us for a quote on booster club liability insurance.