Put Me In, Coach
Many people are anticipating the warmer weather and more outdoor activity, and, for millions of Americans, that also means the reemergence of spring sports. Parents everywhere will gather on fields to cheer on children participating in baseball, softball, lacrosse, track and field, flag football and tennis.
According to USA Today, while over 45 million American children participate in organized sports, these sports are not limited to children and teens. Adult sports leagues have grown in recent years, with health and socialization being the driving forces behind the popularity of adult recreational sports leagues, particularly among millennials, according to The Mountaineer. While participating in these sports is an excellent opportunity to advance one’s health and fitness, as well as learn the benefits of team play, there are certain risks involved in this physical activity.
Participation in sports increases the likelihood of sustaining an injury, especially for children and teens who make up the majority of sports participation. An estimated 3.5 million children suffer a sport-related injury each year, and more than 1.35 million children sustain injuries that require hospital visits (Johns Hopkins Medicine). These injuries can range in severity from the common sprains and fractures to severe concussions.
Participant injuries are not the only exposure sports organizations face. Depending on the scope of operations, exposures can include:
- Spectator safety
- Travel safety
- Fundraising events
- Funds management
While participant injury is the most common hazard in organized sports, spectator injury can be critical. An ESPN article reported that an amateur baseball team in New Jersey incurred over $150,000 in claims expenses due to a spectator injury from an overthrown baseball. Implementing the appropriate risk management practices such as facility maintenance/upkeep, proper training and employee/volunteer screening can help alleviate these exposures in order to ensure long-term success for the organization.
While thorough risk management practices, such as up-to-date equipment and waivers of liability, can alleviate these exposures, sports organizations should make sure they are covered in the event of a claim. USLI offers a variety of insurance and value-added solutions for both youth and adult sports organizations. Our comprehensive package policy offers:
- General liability
- Directors and officers
- Employment practices
- Optional accident and health for youth-only organizations
- Participant legal liability coverage
- Abuse and molestation limits up to $1 million available for youth-only organizations
- Assault or battery coverages for youth only are included at no additional charge
- Certain special events
- Inland marine
USLI’s Business Resource Center also provides value-added resources that greatly benefit youth organizations such as discounted background checks, concussion training, child abuse policies and much more.
As always, thank you for your support and business!
Contact Jake Silver,
Underwriter | 888-523-5545 Ext. 2095
Written by Kristin Logan
March 8, 2018