Our program is written through a Risk Purchasing Group, which allows a large number of teams to combine their insurance and purchasing power under one policy. This results in a lower premium per team. We set up an account in the name of the League, and then add each team to the league’s “policy”. Each team will be issued a Certificate of Insurance that will have the League name/Team name (Women’s Blue Chip Basketball/Chicago Lady Eagles).
Coverage is for 12 months from the date the first team pays a premium and league coverage is put enforced. For all other teams that are added later, their coverage will expire the same day as the first team’s policy. There is no pro rating of premium, no cancellation and no return premium. Example: Chicago Lady Eagle’s team completes an application and makes payment on 04/01/2010 and they are the first league team to do so. The league coverage begins 04/01/2010 and will expire 04/01/2011. The Dallas Lady Diesel team sends in their application and makes payment on 05/04/10. Their coverage begins on 05/04/2010 but will expire 04/01/2011.
We can offer three levels of coverage for your teams.
Level 1 General Liability without Participant Liability:
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 such as spectators at sporting events. Coverage is limited. We call it “Gymnasium Insurance”. We do cover practice gyms if the location is in a gym that is on file with the company. We do not cover travel, personal appearances, or fund raisers.
There is no coverage for participants (coaches, players, cheerleaders, or official) or lawsuits that might arise from those injuries. You do not have coverage if a team member is injured and decides to sue you. We mention this because it is very important to know who is not covered. This is a large risk that each team takes on and one which most teams are doing even if they do not realize it. You do have coverage if a spectator is injured and you are liable.
Level 1 General Liability Coverage Limits without Participants Liability:
$1,000,000 Each Occurrence
$1,000,000 Personal & Advertising Injury
$2,000,000** General Aggregate Limit.
$2,000,000 Products-Completed Operation Aggregate Limit
$ 100,000 Damage to Premises Rented to You any one Fire ($ 5,000 Medical Expense any one person)
Excluded Medical Payments to Participants
Excluded Legal Liability to Participants
**General Aggregate applies per team
Level 2 General Liability without Participant Liability but with Excess Medical:
This coverage includes Level 1 General Liability limits (no participant liability) and Excess Accident Medical. Excess Medical 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).
Excess Accident Medical Eligibility: All Participants & Staff of the Policyholder
Medical Limit $10,000 (Dental Included)
AD&D Limit: $10,000
Deductible: $1000
Benefit Period: 52 weeks
Reporting period: 60 Days from Date of Accident
Level 3 General Liability with Participant Liability and Excess Accident Medical:
This type of coverage provides liability protection for not only third party spectators, but also participants at your event. Coverage is now provided for the league/team should a player be injured and files suit against the team and or the league (participant liability). 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.
General Liability Coverage Limits:
$1,000,000 Each Occurrence
$1,000,000 Personal & Advertising Injury
$2,000,000** General Aggregate Limit.
$2,000,000 Products-Completed Operation Aggregate Limit
$ 100,000 Damage to Premises Rented to You any one Fire
$ 5,000 Medical Expense any one person
Excluded Medical Payments to Participants
Included Legal Liability to Participants
Excess Accidental Medical Eligibility: All Participants & Staff of the Policyholder
Medical Limit $10,000 (Dental Included)
AD&D Limit: $10,000
Deductible: $1000
Benefit Period: 52 weeks
Reporting period: 60 Days from Date of Accident
APPLICATION & PAYMENT:
Payments are made thru Pay Pal, you can find this payment button on the homepage on the right under Sports Payments.
Each team will use the GREEN ICON that says Premium. The amount of premium the team inputs will determine the Level of coverage.
NOTE: You do not have to be a member of Pay Pal to make payment.
Remember, incorporate, get a good waiver and practice good risk safety management.
