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Sports and Youth Camps

Katy Insurance offers quotes for Youth Sports/Cheer/Summer Camps.

With summer around the corner, camps are soon to follow.  Katy Insurance Agency offers competitive sports camp insurance.  We are well versed in writing for all sports and cheer/dance camps as well as over 400 adult tackle football teams across the United States of America.  Some coaches don’t want to look at spending money on insurance but it only takes one incident to really wish you had.   Whether it is football, basketball, baseball, cheerleading, soccer or any other camp, we can help.  We would love to have the chance to quote your camp insurance.  The application process is easy and will cost you nothing other than 5 minutes it takes to complete. 

 

Terminology & Definitions

 

Participant General Liability Coverage
This type of coverage provides liability protection for not only third party spectators, but also participants at your event. If you are coaching a baseball team, in charge of a 5K race, operating a summer camp or teaching a dance class; this is the type of coverage you will need.  It is also important to note that if you are purchasing Participant General Liability Coverage, you will also need to purchase the Excess Accident Medical quote you receive with the General Liability quote.

General Liability Coverage
This is the basic type of coverage we offer. General Liability is exactly how it sounds; providing coverage for the named insured against claims from third party individuals. Spectators at sporting events, concerts, food fairs or renting a venue for a party are a few examples of how General Liability Coverage can be applied.

Excess Accident Medical Coverage
For any General Liability quotation including Participant Liability, we issue an Excess Accident Medical quotation as well. This type of coverage pays in excess of the primary medical coverage any medical bills/expenditures that an injured participant suffers. If the injured party has no primary health insurance, or the sustained injury is only covered partially by their primary health insurance, Excess Accident Medical limits can then be accessed to help pay for medical costs (subject to the deductible). It’s important to note that a Participant Liability claim does not have to be filed in order to potentially have access to excess Accident Medical payouts.

Excess General Liability Coverage
When our standard Participant and General Liability limits do not equal the required amounts set by a venue or league, you have the option of purchasing Excess General Liability. Also known as Umbrella coverage, we have an assortment of increments which can be added in addition to the primary General Liability limits. Excess General Liability follows the same form and exclusions as the primary liability insurance.


Frequently Asked Questions

Why do I have to purchase Excess Accident Medical with Participant General Liability?

It might help to look at these two types of coverage like this: Excess Accident Medical quotes offer to pay for a certain limit of medical costs while Participant General Liability quotes help to cover defense costs and settlements if a claim is filed against you. It’s our carriers’ philosophy that offering to pay for an injured person(s) medical coverage could help prevent the filing of a Participant General Liability claim; General Liability claims tend to be much more expensive and time consuming than stand alone medical costs. Packaged together, these two types of coverage are the most comprehensive insurance we offer.


I don’t know the exact number of participants/attendance, what should I do?

There are many factors we used when rating a quotation, however participant/attendance numbers are especially important. We understand that some events don’t easily lend themselves to accurate participant/attendance reporting, however we are flexible enough to use an estimated range in order to still issue a quotation. Our agents are always available to answer specific participant/attendance questions.


How long does it take to get a quotation?

Katy Insurance Agency, LLC prides itself on prompt and efficient customer service. Once we receive a completed, correct application it typically takes between 1 to 3 business days to receive a written quotation. If you need same day quoting on a rush basis, please call our office for assistance.  Please note: some policies need more underwriting attention than others, so more time might be needed to process such.

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