Sports Camps & Athletic Events
Liability coverage for coaches and accident coverage for participants
As a member benefit of your state coaches association, all members in good standing have a $1,000,000 per occurrence General Liability policy limit that provides coverage for their coaching activities. In order to protect the General Liability policy from potential claims, the insurance company has mandated that all coaches must obtain signed waivers and provide Participant/Accident insurance for their participants.
In order to obtain a certificate of insurance showing proof of insurance or naming an additional insured, the following must be in place:
- Waivers: Signed waivers showing indemnification language
- Participant/Accident Insurance: You must have Participant/Accident coverage in place for all participants attending sports camps. (This coverage is available to member coaches at a discounted rate. Please complete the Camp Insurance Request Form for a quotation).
Frequently Asked Questions
Q: I thought coverage was free through my membership, why am I being charged?
A: Your membership still provides you with General Liability Coverage at no cost. In order to protect the General Liability policy from claims, the insurance carrier has made it a requirement that Participant Accident Insurance be in place for any camps and/or athletic events that are being held. Participant Accident Insurance is medical coverage for the participants in the event they are injured during your event. This coverage is not part of the General Liability policy.
Q: What is a certificate holder?
A: A certificate holder is the entity requesting proof of insurance from you, not yourself as a coach or your camp.
Q: What is an additional insured?
A: An additional insured is typically the certificate holder/venue; it can also be a municipality- town, city, board of education. A request for additional insured status is usually on the contract/rental agreement with the facility.
Q: What are the actual participation days?
A: If you’re hosting a camp for the month from February 1st-28th, but only meet once a week, the actual participation days would be 4.
Q: What is an All-Star Event?
A: A true All-Star Event is sanctioned by a State Coaches Association. If your event is not sanctioned by your State’s Coaches Association, you cannot use All-Star in the event title.