As football season nears, it is crucial for teams and leagues to think about risk management plans that promote health and safety. Another critical risk management strategy to consider is securing comprehensive insurance. This can provide essential financial coverage for your league, team, participants, coaches and spectators.
The experienced agents at Bene-Marc Inc. specialize in sports and special event insurance, and we can help you get coverage that is right for you. Contact us today to get started.
Youth Tackle Football Risk Management Considerations
Contact sports like tackle football involve several risks, and having effective risk management protocols in place can help reduce or eliminate hazards. For example, some strategies that teams and leagues may implement include:
- Having hydration stations available.
- Teaching proper techniques.
- Adopting rules and regulations that promote safety.
- Reducing contact in practice.
- Having medical personnel available.
- Thoroughly vetting and training coaches and volunteers.
- Regularly inspecting playing surfaces and equipment.
Other techniques may also promote safety. Identifying, analyzing and treating risks is an ongoing process, and it is vital to maintain updated risk management policies and procedures.
Another key component of risk management is ensuring you are carrying adequate insurance coverage. Your Bene-Marc agent can help you review your exposures and provide information on policies that may fit your needs.
Types of Coverages for Youth Tackle Football
The needs of football teams and leagues vary. Typically, you can choose from several types of coverages, including:
- General liability insurance. This may provide coverage if a sports organization is held legally responsible for a third party’s bodily injuries or property damage. It may help pay for the third-party losses (e.g., medical bills) and legal expenses (e.g., court costs, settlements, and judgments).
- Property insurance. This may provide repair or replacement costs if your sports organization’s property is lost, damaged or destroyed by a covered peril.
- Excess accident insurance. This typically functions as secondary insurance and may help pay for injured participants’ medical expenses, regardless of who was at fault.
- Directors and officers (D&O) liability insurance. If a party files a lawsuit against the organization’s directors or officers for decisions they made in their leadership role, this can insure against personal losses and provide payments for associated legal fees.
- Cyber liability insurance. This insurance may help cover costs that arise from data breaches and cyberattacks, such as legal expenses and costs to notify affected parties.
- Crime insurance. This may provide coverage for business-related crime losses (e.g., theft and embezzlement). Insurance may be available to cover the dishonest acts of employees and volunteers.
Others coverages may be available, including workers’ compensation insurance and commercial auto insurance. Policies and endorsements may also be available to supplement your general liability insurance coverage regarding participant’s lawsuits after an injury, inappropriate conduct by coaches or volunteers, damages to premises you rent and the collapse of temporary structures.
Consult with your Bene-Marc agent to discuss applicable limits and exclusions and other policies you should consider.
Call Bene-Marc today at 800-247-1734 for additional information, and we can help you obtain the policies that meet your needs.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.