Do You Need Sports Liability Insurance?

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“The strength of the Team is each individual member. The strength of each member is the Team” – Phil Jackson

According to the Canadian Fitness and Lifestyle Research Institute, 27% of Canadian adults are involved in a sport. This number is much higher for kids aged 3-17, with 84% of Canadian kids being involved in a sport, 60% of those being organized sports, according to a study done by SRG.

As Sports Liability Coverage is not always top of mind, lets dig into the who, what, when and how of this very important and often overlooked coverage.

Who needs this coverage?

Any person or group involved in the following should inquire about coverage:

Individuals or groups that run organized sports activities
Sports Clubs, Leagues and Teams
Sports Associations
Sports Camps and Clinics

What is Sports Liability Coverage anyway?

Sports Liability includes general liability coverage for the host of a sporting event. It also provides coverage for injury to participants for sporting activities that qualify. This coverage also protects against third party lawsuits that allege that property damage or bodily injury was sustained by a spectator or athletic participant for which the host is liable for.

Coverage is also available for the following, depending on the event and its needs:

Host Liquor Liability
Tenants Legal Liability Limit
Daily, weekly, monthly, annual and seasonal tournament coverage

Customized Sports Contests

Coverage is available for a great selection of unique and customized sports contests that make any Sporting event or promotion even more attractive:

Hole in one, Chipping and Putting
Chase the Ace
Baseball Toss
Toonie Toss
Football Kicks/Throws
Random Number Contests
Dice Rolls
Customized Contests

Available Sporting Activities

A wide range of Sporting activities are available for coverage (subject to terms and conditions):

Aerobics
Badminton
Bowling
Canoeing
Curling
Darts
Dance Lessons/Recital
Fitness
Geocaching
Hiking
Horseshoes
Lawn Bowling
Mini Golf
Orienteering
Pickleball
Racquetball
Rhythmic Gymnastics
Rowing
Squash
Table Tennis
Tai Chi
Tennis
Archery
Baseball
Basketball
Cycling
Dancing Competition
Fencing
Floor Hockey
Goal Ball
Handball
Indoor Ice Skating
Soccer
Softball
Swimming
Synchro Swimming
Non-Contact Touch/Flag Football
Non-Professional Golf
Recreational Non-Contact Ice Hockey
Track and Field
Ultimate Frisbee
Volleyball
Weightlifting

Exclusions

As with all types of insurance, some exclusions apply:

Sporting accidents where there is no fault or liability of the Host.
Participant to Participant – no coverage is offered for liability for claims arising from bodily injury caused by the acts and/or omissions of any participant towards another participant.

How easy is it to apply?

“Just play. Have fun. Enjoy the game” – Michael Jordan

The Costen Insurance Team