Sports & Events
Serving All of California and 30 other States
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:
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Ineligible Sports/Activities:
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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:
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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 |
FACILITIES
Sports Complex / Facility Coverage
General Liability Coverage including participant coverage, with optionally available building and property / equipment coverage.