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Youth Sports Organizations

All products written with A++ IX AM Best rated carrier. Not all business will qualify, please contact your underwriter for details specific to your risk.
Eligible Risks
  • New and existing organizations
  • Minimal contacts sports, including but not limited to Soccer, T-ball, Baseball, Softball, Basketball, Volleyball, Tennis, Golf
  • Organizations that require parents or legal guardians to sign waivers of liability / release forms for all activities
  • Organization that perform background checks on all employees and volunteers
  • Organizations that have Accident & Health coverage in-force
  • No more than two losses, claims or circumstances (excluding closed without payment) in the past three years
  • Overnight travel via personal automobiles
    • Product Advantages
  • Coverage is available for athletic participants
  • Abuse or Molestation sub-limit of $50,000 available at no additional charge
  • Assault & Battery sub-limit of $50,000 available at no additional charge
  • Hired and Non-Owned Auto Liability coverage available in most states
  • Fundraisers and certain special events included at no additional cost
  • Landlord listed as an Additional Insured for no additional charge
  • No liability deductible
  • Separate limits of liability for Directors & Officers (D&O) and Employment Practices Liability (EPL) claims
  • Lifetime Occurrence Reporting Provision for former Directors & Officers
  • Unlimited defense costs outside the limits for D&O and EPL coverage
  • Full Prior Acts Coverage for D&O and EPL coverage
  • Optional fiduciary liability for D&O coverage
  • Property available on Special Form and Replacement Cost
  • Inland Marine coverage available for sports equipment
  • Crime coverage available
  • Inspection costs paid by the company
  • Background checks with preferred pricing
    • Ineligible Risks - Risks with the below characteristic may be eligible for certain coverage lines

    General Liability

  • Organizations that do not require parents or legal guardians to sign waivers of liability / release forms for all activities
  • Organizations that do not perform background checks on all employees and volunteers
  • Organizations that do not have Accident & Health Insurance in-force
  • Organizations that own, lease or operate a swimming pool
  • School sponsored sports / teams
  • YMCA / YWCA centers or programs
  • Organizations that sponsor overnight trips by train, plane or bus
  • Organizations with teams that travel more than 2 nights per trip
  • National / International travel
  • High hazard contact sports, including but not limited to - Karate / Martial Art, Boxing, Gymnastics, Cheerleading, Wrestling, Diving

    • Property

  • Risks with aluminum or knob and tube wiring
  • Risks not having 100% of the wiring on functional circuit breakers
  • Risks without functional smoke or heat detectors
  • Risks located in AK, HI, or LA

    • Directors and Officers

  • Risks that engage in any disciplinary action as a result of peer review activities
  • Risk involved in any accreditation or standard setting activities
  • Risks located in AK or LA
    • Available Limits
  • Liability limits up to $1,000,000 occurrence/$3,000,000 aggregate
  • Property values up to $3,000,000
  • Property values up to $500,000 per location for defined Coastal Zones (wind exclusion applies)
  • Up to $5,000,000 for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis and may not exceed the D&O Limit.)
  • $5,000,000 additional capacity available for Umbrella Coverage
    • Submission Requirements
  • Current version of the Youth Sports Organization Application
  • Representation of incurred loss history for the past three years

    • Toll Free Fax: (888)335-6615
     E-mail: service@braishfield.com