It is important to understand how sports clinic insurance works, so you are aware of what is covered and what is not. Basically, any organization that has sports insurance can expect to remain covered if it holds a clinic only with the members within the organization. These members are already covered under the team insurance, and therefore no new policies have to be taken out on them.

However, if you are going to be having people from the general public attend your sports clinics, than it is entirely necessary to take out sports clinic insurance. It is wise to check into obtaining such a policy long before you actually hold the clinic, to ensure that you are covered by the start date. Most agencies can recommend a time frame upon which to contact them for such clinic insurance.

Special Sports Clinic Insurance

In general, sports clinic insurance is comprised of accident and liability coverage, which covers medical bills and lawsuits. It is possible to obtain extended coverages by adding options to the basic policy. Your agent may recommend that you purchase directors and officers insurance, which protects organizations from lawsuits based on sex, age, race, and handicap discrimination.

You may also wish to purchase crime protection, which will protect you in the event of vandalism and theft. Sometimes people from within the organization embezzle money as well, which crime insurance provides coverage for in such instances. All in all, it's best to have the most comprehensive coverage you can while you are conducting any sports clinics involving the public.