Stadium Insurance

For additional information contact us at: 
(281) 391-2109 or Toll Free 1-866-439-8786

Katy Insurance Agency, Inc., is becoming a major "player" in providing Stadium Liability Insurance" for "Semi-Pro"/Amateur/Minor League" adult tackle football teams and leagues.  Indoor or Arena football teams should call our office for their coverage.  These teams have different insurance requirements and, therefore, do not qualify for this special insurance program.

Any sport organization that involves youth should call our office for a quote.  A whole different set of guidelines and insurance coverage are needed when youth are involved.

The insurance program is written through a Risk Purchasing Group, which allows a large number of small sports organizations to combine their insurance under one policy.  The result - lower premiums for each organization. 

When we write the coverage for a league, we set up an account in the name of that league.  As each new team of that league completes an application and makes payment, they are added to the "league's policy".  For a new league, the league's coverage becomes effective on the date the first team makes a payment.  The League's coverage is for 12 months from that date.   For all the other teams of that league, that are added later, their coverage will expire the same day as the first team.  There is no pro rating of the premium, no cancellation and the premium is 100% earned, meaning, no return premium. 

I would caution you not to purchase our insurance until you know the effective date of your league's policy, so there will be no confusion of when your coverage begins and when it expires.

If you are uncertain of the effective and expiration date of your "League's policy"  call Skip Conner, and if he is not available, Leslie Davis.

If a team selects to have coverage just for their team, the coverage is for 12 months from the date of application and payment.  The premium is higher for a single team as opposed to a "league team".

The coverage under our policy is limited to "game day" and "practice" on fields that are on file with the company.  Our policy has been referred to as "Game Day" or "Stadium" insurance.  Our policy does not cover travel, cheerleader, community activities or other non-sports activities.  We provide the coverage you need to secure a field to practice and play on.

We do not provide coverage for injury to your sport participants, or lawsuits that might arise from those injuries.  The policy does cover lawsuits arising out of injuries to spectators for which you may be legally liable.

Your coverage is limited but your cost is low.  If you feel you need additional coverage please call our office for a quote for additional insurance coverage.  We try to keep it simple for everyone, and yet provide the coverage you need to lease a stadium.

We are not attorneys and do not practice law, however, we would recommend that all teams and leagues incorporate themselves in an attempt to limit your personal liability exposure to claims and lawsuits not covered by our insurance.  A second recommendation would be to have a well written player Waiver/Release form written by a compentent attorney who understands sports liability.  There are web sites that provide samples of a "Adult Waiver/Release" form which you could use after your attorney has reviewed and signed off on.

Our policy provides the following coverage limits:                             

Accidents do occur.  April, 2007, a player in Houston, Texas broke his neck during a game.  It was no fun reminding the team owner that injuries to participants are not covered.