Sports & Events Insurance in Temecula, Murrieta and across California

K2 Insurance now offers coverage for Sports, Events and Facilities. 

 

SPORTS

 This coverage is designed for U.S. based teams, leagues, clubs, associations, camps, clinics, lessons, tournaments and events conducting youth or adult amateur sports activities.

This program includes Participant Liability coverage for the Named Insured, its employees and volunteers and athletic participants. The liability coverage protects against claims of bodily injury, property damage and the litigation costs of defending against such claims. This program also includes Accident and Medical Coverage for participants.

Covered operations include all scheduled, sanctioned, approved, organized and supervised instruction, as well as practices, try-outs, clinics, games, play-offs and tournaments. In addition, coverage extends to include related Non-Athletic Participant Events, such as registrations, meetings, award banquets and ceremonies. 

TYPICAL / STANDARD Policy Coverage(s), Limits and Requirements:

Accident & Medical Participant Protection

Maximum Medical Expense Benefit	$25k, $50k, or $100k (as per request)
Accidental Death & Dismemberment Benefit	$10,000
Deductible Amount per claim	between $250 and $5k (depending on risk assessment)
52 Week Benefit Period
Excess Coverage

Commercial General Liability

Per Occurrence	$1,000,000
General Aggregate	$3,000,000
Personal & Advertizing Injury	$1,000,000
Products - Completed operations aggregate	$1,000,000
Fire Damage (any one fire)	$300,000
Medical Expenses (any one person)	$5,000
Includes Athletic Participants
Occurrence Form Policy

This insurance program is written on a master policy basis. Each member is named to the master policy on an individual basis with their own liability limits. 

Coverage Requirements

Minimum Accident Medical coverage required 

$10,000 for: Soccer, Baseball, Softball, Basketball, Cheerleading, Skateboarding, In-Line Skating & Lacrosse & any other sport 

$25,000 for: Tackle Football, Hockey, Martial Arts and Rugby 

Eligible Sports/Activities:

Academics / Nonphysical sports Aerobics Archery BMX Backpacking Badminton Ballet Ballroom Dancing Band/Music -Schools & Lessons Baseball Basketball Billiards Bird Watching Bowling Boxing Canoeing Cheerleading Conditioning/Training/ Personal Trainers (non-facility) Cricket Cross Country CrossFit demonstrations or competitions Cycling Cyclo-cross Dance Darts Disc Golf Dodgeball Ethnic Dancing / Folk Dancing Fencing Field Hockey Figure Skating Fishing Fitness Classes Football - Flag Football - Tackle Football - Touch

Futsal Golf Gymnastics Handball Hiking Hockey - Ball Hockey - Floor Hockey - Ice Hockey - Pond Hockey - Roller Horseshoes Ice Skating In-Line Skating Kayaking Kickball Kiteboarding Kneeboarding Lacrosse Lawn Bowling Martial Arts - other than Mixed Martial Arts Mixed Martial Arts Mountain Biking - Recreational, XC, Trail riding, Enduro Mud Runs Music/Band - Schools & Lessons Nature Viewing Nordic Skiing Pickleball Racquetball Rhythmic Gymnastics Rifle Roller Skiing Rowing Rugby Running Sailing Shuffle Board

Skateboarding Ski Jumping Skiing Skiing - Cross Country Skimboarding / Bodyboarding Snorkeling Snowboarding Snowshoeing Soccer Softball Speed Skating Squash Stand Up Paddleboarding (SUP) Strength & Conditioning Surfing Swimming - Open water Swimming - Other than Open water Synchronized Swimming Tennis Track Tree Climbing Triathlon Ultimate Disk Video Gaming  Volleyball  Wake Boarding Wakeskating Wakesurfing Water Polo Waterskiing Weightlifting Wildlife Viewing Wind Surfing Wrestling Yoga Zumba

Ineligible Sports/Activities:

Adult Tackle Football Aerial Yoga Bounce Houses and other inflatables Bungee Jumping Equestrian activities / animal riding Equestrian sports Exotic Animals Firearms Gun Shows Hang Gliding Hot Air Balloon Rides

Hunting Luge Mechanical Rides Motorized Sporting Events Motorized vehicle racing Mountain Biking -  Downhill, Slopestyle, Freeride, Racing Parachutes Parasailing Polo Professional Sporting Activities

Rides and Games Rock Climbing Rock Climbing Walls Rodeos or Roping Events Scuba Diving Sky Diving Sunbeds / tanning equipment Tobogganing Tractor Pulls & Monster Truck Events Trampolines White Water Rafting

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EVENTS

This program provides General Liability coverage protection for all Spectators of the Policyholder, against claims of bodily injury, property damage and the litigation costs to defend against such claims. 

Coverage includes suits arising out of:

• Injury or death of spectators
• Property damage liability
• Incidental medical malpractice
• All activities necessary to conduct of practices and games
• Ownership use or maintenance of fields or practice areas
• General negligence claims
• Cost of investigation and defense of claims, even if groundless

Eligible Sports/Activities:

Baseball Games and Events - Amateur Bicycling Event - No Racing / Off-road Boxing, Wrestling, Hockey and Football Games - Amateur Fishing Events Golf Tournament - Daytime Ice Skating Shows Karate Meets Marathons (Walking and Running) - attendance 500 and under Pool/Billards Tournaments Rugby Games/Events Soccer Games/Events Sporting Events - Non-Professional and Indoors Volleyball Games - Amateur

Basketball Games and Events - Amateur Bowling Tournaments Cheerleading Events/Competitions - No Pyramids Golf Events - Non Professional Gymnastic Competitions Junior Athletic Games Lacrosse Games/Events Marathons (Walking and Running) - attendance over 500 Rodeo and Roping Events - Amateur Ski Event - Non-Professional Softball Games/Events Tennis Tournament and More...

Typical/Standard Program Limits:

General Aggregate	$2,000,000
Per Occurance	$1,000,000
Personal & Advertizing Injury	$1,000,000
Products / Completed operations aggregate	$1,000,000
Fire Damage (any one fire)	$100,000 †
Medical Expenses (any one person)	$5,000
Occurrence-Form Policy
coverage excluded for claims by athletic participants
This insurance program is written on a master policy basis. Each member is named to the master policy on an individual basis with their own liability limits.
† $1,000,000 Limit available

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FACILITIES

Sports Complex / Facility Coverage

General Liability Coverage including participant coverage, with optionally available building and property / equipment coverage.

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