Lacrosse Insurance

Written by Amy Hall
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Lacrosse insurance is completely necessary, as the sport is considered a Class A sport when played by participants over age 19. Any Class A sport is considered to carry with it a higher risk of injury to participants, which is why the premiums for these sports are higher than for Class B sports. That being said, it is not half as expensive to purchase team insurance for lacrosse as it is for tackle football, so the premiums are still quite reasonable.

If you are involved in any type of sports organization, it is imperative that you look into securing sports insurance which will protect not only participants and spectators, but volunteers and directors. The majority of lacrosse insurance policies purchased for teams have accident and liability insurance coverage, which will pay for medical bills and help protect against lawsuits. It is wise to consider adding to this type of policy with Directors and Officers liability, as well as crime protection.

Customizing Your Lacrosse Insurance Policy

If you are not clear about which options you should choose when purchasing a lacrosse insurance policy, simply talk to your agent. Any sports insurance agency should be able to answer all of your questions and provide you with the facts about getting team insurance. Furthermore, it is vital that you check the company you are considering buying insurance from, as any agency with a rating of less than A- could be bad news for you somewhere down the line.

It is also best if you choose an agency that has a license in the state you are living in, as this reduces any complications in the event of a claim. Insurance can be a very tricky subject to understand for the average person, which is why so many of us don't even want to think about it. However, if you face the matter from the start, you will likely save yourself a whole lot of stress later on if a problem arises.


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