Sports Insurance for Intercollegiate Athletes

General Liability Insurance
General liability insurance covers bodily injury, property damage and personal or advertising injury. If an athlete or other party is injured on your organization’s property (such as the football field), general liability insurance can help pay for the related medical expenses. This insurance can also cover lawsuits against your organization.

Accident Insurance
Accident insurance is crucial for any organization that hosts sports, such as basketball or football games.Although some students may have health insurance through their parents’ policies, work-sponsored or an individual plan, their insurance may not cover the full cost of any injuries sustained. College athletes often face potentially catastrophicinjuries. Catastrophic Athletic Insurance (CAT) provides catastrophically injured athletes with coverage for medical bills, disability, adjustments, vehicles, home and education. This insurance also helps protect against lawsuits resulting from an injury to a college athlete to protect the university if legal action is taken against the institution.

Basic Athletics Insurance 
This type provides basic accident/injury coverage for all student athletics, student manager/trainers, cheerleaders, and any other category of students you have elected to cover related to intercollegiate athletics, such as band, dance, or drill teams, for example.  

Staff Accidental Death and Dismemberment 
This coverage is available to employees of the athletics department. This insurance is also available for athletic department guests, and it is in effect during travel or while on campus at the invitation and expense of the athletics department. 

Equipment Insurance
Equipment insurance covers the physical equipment owned or used by an intercollegiate athletic program. This insurance protects against damages caused by fire, wind, hail, lightning, smoke, theft, vandalism and other incidents.

Directors and Officers (D&O) Insurance
Directors and officers insurance helps protect your organization’s management in case of claims related to their activity while leading your organization. These insurance policies often include employment practices liability insurance (EPLI), which covers discrimination, sexual harassment, wrongful firing or hiring and failure to promote claims.