You don’t want to be the person who says “What’s the worst that could happen? It’s just little league!” Whether you’re running a youth soccer team, an amateur baseball club or a professional rugby team, your athletes are taking the game very seriously, and when people are taking the game very seriously, they push themselves and one another to do their very best. In other words, you don’t need to get drafted in the NFL to sustain an injury in the line of duty. Sports team insurance not only protects you from liability, it protects your players and the venue owners. In short: As soon as you’re moving the game out of the backyard or the public park, then it’s time to look into football team insurance.
Bodily injury and property damage are the main concerns in youth sports insurance, or any athletic insurance, really. Now and then, a ball is going to crash through a window, a quarterback is going to twist an ankle. We do everything we can to reduce injury and property damage in sports. We encourage stretching and warm up and safe play, but sports are physically demanding and unpredictable. That’s a big part of the fun, and a big factor in liability.
The most likely injuries to take place will be to the athletes, and the most likely damages will be to surrounding property. However, there are a lot of “civilians” involved in the game indirectly, from spectators to volunteers and vendors. A tackle that flies right through the sideline and knocks a food vendor over, a football that catches a spectator on the nose, sports wouldn’t be exciting if it weren’t for the fact that “anything can happen,” but they wouldn’t require comprehensive liability coverage, either.
cover all of your bases.
