Sports Team Insurance in Vermont
What is Sports Team Insurance?
Team sport occupies a large place within American culture, and children begin participating from a young age. Many children in Vermont join soccer, basketball, football, baseball and other teams during their school years. While youth sports teams are seemingly ubiquitous, playing sports isn’t risk-free and neither is operating a team. Sports team insurance can help protect organizations involved in youth sports if from covered claims, often including participant injuries.
Sports team insurance is a specialized commercial insurance that’s crafted to meet the risk mitigation needs of team sports organizations. So that policies can provide organizations with robust protections, most policies are drafted as package policies that have more than one coverage within them.
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What Vermont Organizations is Youth Sports Insurance Right For?
Most Vermont organizations that are involved in team sports can benefit from having youth sports insurance in place. Some specific examples of organizations that likely should consider this type of insurance are:
- Youth sports teams
- Travel sports teams
- Local youth sports leagues
- Regional youth sports associations
In some cases, other sports teams may also find that the coverages found in a youth sports insurance policy suit them well. College, semi-professional and professional sports teams, for instance, sometimes have similar coverage needs. An insurance agent who’s familiar with these policies can help such teams decide whether this type of insurance truly does meet their needs.
What Protections Are Available Through Youth Sports Insurance?
Many of the coverages found within youth sports insurance policies can be classified as either property or liability protections. Property protections tend to insure physical assets against damage or loss, while liability protections normally insure against potential lawsuits or claims that may be filed against an organization.
A couple of property coverages that are commonly found in youth sports policies include:
- Commercial Property and Equipment Coverage, which might protect buildings and equipment that an organization owns
- Crime Coverage, which might protect against embezzlement by volunteers or employees
Some liability coverages that policies frequently make available are:
- General Liability Coverage, which might protect against basic accidents that result in third-party property damage or injury
- Accident Coverage, which might protect against injuries that a player or employee sustains
- Directors and Officers Liability Coverage, which might protect against lawsuits that are filed against an organization’s leadership
Organizations that use vehicles usually also need business auto coverage, which may be purchased for organization-owned vehicles or non-owned vehicles that an organization uses.
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