Athletic Sports Insurance

Written by Amy Hall
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The importance of athletic sports insurance is often underestimated, which unfortunately results in a lot of problems. If you stop to think about the very nature of sports, you can see how the possibility for injury is quite high, especially for high contact sports such as tackle football, boxing, and hockey. Therefore, it becomes necessary to have some type of liability insurance in place, as well as medical expense insurance.

In general, athletic sports insurance will have medical and liability coverage, with the possibility of insurance for crimes, such as theft which causes a sports organization to incur a monetary loss. The medical expense portion of a policy pays for medical bills for the injured participants, and is normally used in conjunction with a primary medical insurance plan, not in lieu of a primary medical insurance plan. The general liability portion of a policy protects the sports organization and its employees against lawsuits alleging injury to a spectator or player.

Athletic sports insurance is important for all athletes, particularly those who play a lot of sports or who play high impact sports. When playing any sport, the chance for injury is pretty high. Even in sports such as tennis or baseball, one can break a leg, hurt a knee or get hit by an approaching ball.

The Importance of Athletic Sports Insurance

Athletic sports insurance is vitally important to have in place as a means of protection against accidents and disasters that can leave sports participants severely injured. Unfortunately, too many organizations fail to put enough emphasis on the possibilities and consequences of accidents and disasters, and hundreds of thousands of dollars are lost as a result. While shopping for athletic sports insurance may not rank as the number one fun thing to complete on the "To Do" list, it is essential nevertheless.

Depending on the type of sport you play, your insurance will differ. Overall, Class A sports carry with them a higher risk, and they include boxing, diving, soccer over age 19, cycling, tackle football, martial arts, rugby, skiing, and ice hockey. These sports are more likely to result in injuries than that of Class B sports. Class B sports include T-ball, cheerleading, field hockey, cricket, flag football, figure skating, kickball, lacrosse and soccer under age 19, tennis, swimming, volleyball, water polo, and racquetball.

If you inquire about athletic sports insurance, you can be reasonably sure that you will have to pay higher premiums if your category of sport falls into the Class A category. While the premium will be higher, it is well worth the expense for the added protection in the event that a participant or multiple participants do become injured. Furthermore, the organization itself is protected from lawsuits under the liability insurance portion of the policy, which also provides an attorney for the defense.

Sports Insurance Is Important

To most people, it is rather obvious why sports insurance is needed. In a typical game, one can expect scrapes, cuts and bruises. Those types of injuries are quite normal. That said, the chance for bigger injuries is, therefore, pretty big.

Having athletic sports insurance protects players as well as the teams on which they play. A few uninsured injuries and suddenly, the player and his or her team might be out of luck, financially speaking. Sports insurance can provide protection against such losses.


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