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| Why do I have to purchase both Accident Medical and General
Liability insurance for my league? What is the difference? To give adequate protection for both participants and coaches and to obtain playing fields, both coverages are needed. Accident Medical insurance helps protect the players and coaches from an accidental injury that happens during sanctioned practice or play. This insurance is excess to any other valid and collectible insurance that may be in place for players or coaches. The General Liability insurance helps protect you, your league officials, and volunteers for any bodily injury or property damage to a third party that your league would be legally obligated to pay as a result of your negligence. Evidence of General Liability insurance is usually required by a field owner before a league can use that property. |
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How quickly can coverage be bound for my league?
In most cases, coverage can be bound the same day as we receive a completed application and premium check in our office. Evidence of insurance in the form of a Certificate of Insurance will be issued immediately upon receipt of premium and application. We have underwriting authority with most of our insurance carriers. |
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| Why does my league need Directors & Officers coverage?
Doesn't my general liability policy protect my league and decisions that
the officers may make? Your general liability policy may not cover certain types of lawsuits that involve discrimination, wrongful termination of a coach, suspension of league personnel, or rulebook disputes. This D & O policy helps protect you and your league against these types of wrongful acts where your general liability will primarily cover bodily injury and property damage to a third party. No organization is immune from being named in a lawsuit. Disciplinary action against an individual who doesn't believe league rules have been violated could result in a suit against the organization. This policy helps cover the legal costs related to defending the league against such a suit. |
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