Amid the many challenges associated with organizing a league or camp, building a risk management plan and navigating the complicated web of insurance options might seem overwhelming. This e-mail address is being protected from spambots. You need JavaScript enabled to view it understand the specific risks associated with the activity you will be controlling and ensure that you purchase the right amount of coverage, which might include:

• Accident medical coverage, which applies to medical expenses incurred as a result of an injury sustained while participating in the insured activity. This coverage is typically written on an excess basis over other collectible medical insurance.
• Workers’ compensation insurance may apply to injuries sustained by staff members, depending on state laws.
• Liability coverage protects coaches, volunteers, officers, directors, teams, associations or leagues against claims of bodily injury, property damage, advertising and personal injury, plus the litigation costs to defend against such claims. Legal liability to participants generally responds to suits made against you by a participant involved in an athletic or sports-related activity that you control, promote or sponsor.
• Equipment floater policies can insure the transportation of league equipment or even portable concession stands.

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