Football Stadium Insurance
STADIUM INSURANCE DOES NOT APPLY TO "bodily injury" to any person while practicing for or participating in any sports or athletic contests or exhibition that you sponsor. In simple terms, injuries to players are not covered. This also includes, but not limited to, coaches, trainers, officials, cheerleaders or dance teams.
STADIUM INSURANCE DOES NOT COVER
Clinics, Camps, Half-time Spectator Events, Fundraising Events, Vendors/Exhibitors or ANY events for KIDS.
It only covers general liability for renting facilities.
EFFECTIVE NOVEMBER 13, 2018 the way
Certificate of Insurance for the LEAGUE has changed.
Due to recent litigation, the way a Certificate of Insurance is issued for the league has changed. It has always been the intent that the league will have insurance coverage ONLY for the operation of the TEAMS that HAVE purchased our insurance coverage. From November 13, 2018 forward the Named Insured will only be the team. In the past, it included the League & the Team name.
The League will be issued a Certificate of Insurance showing them as a Certificate Holder of the Team. A certificate holder is an Additional Insured, but only as respects to the operations of the Named Insured.
We will forward a copy of the Certificate of Insurance showing the League as a Certificate Holder to the email address listed on the League's Application.
One thing that hasn't changed: Injuries to Participants ARE NOT COVERED.
For teams applying within a LEAGUE:
REGARDING YOUR EFFECTIVE DATE: Your coverage will be effective the day you complete the application AND make your payment. Coverage will not be effective until we have BOTH application and payment. Your coverage will expire on the date that your League expires. Please check with us to confirm the expiration date.
Date you complete the application and make payment: April 3, 2019
Date your coverage is effective: April 3, 2019
Date your League’s coverage was effective: March 15, 2019
Date League’s coverage expires (all teams): March 15, 2020
Your coverage will be effective April 3, 2019 and will expire March 15, 2020.
Listing of teams DOES NOT automatically give them coverage EACH TEAM will need to complete an application and payment
This 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.
- If you change leagues, your current coverage is not effective. Your coverage is only good for the league that you applied for. Should you change league, you will have to reapply under the new league and make full payment.
- If you change your team name, you will have to reapply and make a full payment.
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, Kellie Sissom.
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. Selling of alcoholic beverages at your event is not covered and is an additional cost. 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 competent 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.
|| Each Occurrence
|| Personal & Advertising Injury
|| General Aggregate Limit
|| Products-Completed Operation Aggregate
| $ 300,000
|| Damage to Premises rented to You – any one Fire
| $ 5,000
|| Medical (spectators)
| $ EXCLUDED
|| Medical payments to Participants
| $ EXCLUDED
|| Legal liability to Participants
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.