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Sports & Events Insurance in Temecula, Murrieta and across California

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

 

several kids playing soccer in a stadium

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
     

CLICK HERE TO APPLY NOW


crowd cheering in a basketball stadium

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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view of a track stadium from the ground level

FACILITIES

Sports Complex / Facility Coverage

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

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