Severity of Injuries Shifts Focus to Risk Management and Insurance Coverage for Athletic Organizations

// March 7, 2019
Reading Time: 3 minutes

With the winter season coming to an end, children and adults alike are anxious to spend more time outdoors and be active. For many, this means the reemergence of spring sports. Between baseball, softball, lacrosse, track and field, and tennis, many will find themselves either playing or watching games from the stands.

In addition to youth sports, 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. Involvement in sports has clear benefits, such as fitness, confidence, and teamwork, but there are also probable hazards at play, for both participants and onlookers.

While injuries from playing sports come with the territory and require necessary risk management due to the potential severity of harm, participant injuries are not the only exposure sports organizations face. According to HealthDay, one study finds that “serious sports injuries aren’t confined to athletes; spectators also run that risk.” Furthermore, the study “found that spectator injuries are uncommon, but when they occur they can be life-threatening and life-changing.”

To illustrate the potential severity of these risks, 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 having good risk management practices in place is recommended for any sports organization, such as up-to-date equipment and waivers of liability, insurance coverage can alleviate significant financial losses for which the organization may be liable. 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
  • Property
  • 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
  • Crime

True to our service standards, USLI is able to offer a quote for most sports organizations right over the phone, with as little information as the number of participants in the league or team. In addition, USLI’s Business Resource Center provides value-added resources that greatly benefit youth organizations such as discounted background checks, concussion training, child abuse policies and much more.

Please contact your Nonprofit Package underwriter today for more information about our Sports Advantage product!


As always, thank you for your support and business.

Contact Brian Smith,
Second Vice President, Team Leader, Underwriter | 888-523-5545 Ext. 2727

Kristin LoganWritten by Kristin Logan
March 7, 2019