Team Sports - Combined Liability and Accident Coverage

Combined Liability and Accident Rates

Class A Sports - Rates (Per Team) *
Max.Age Basketball Baseball Softball Volleyball
12 yrs. $110.00 $110.00 $110.00 $110.00
16 yrs. $133.00 $133.00 $133.00 $133.00
18 yrs. $185.00 $185.00 $185.00 $185.00
19 & Over $350.00 $350.00 $350.00 $350.00
Class B Sports - Rates (Per Team) *
Max.Age Soccer
Brain Injury
W/Brain Injury Excluded
Street, Field, Floor & Roller Hockey
W/Limited Brain Injury
Street, Field, Floor & Roller Hockey
W/Brain Injury Excluded
12 yrs. $131.00 $121.00 $150.00 $142.00
16 yrs. $159.00 $149.00 $178.00 $170.00
18 yrs. $159.00 $149.00 $232.00 $224.00
19 & Over N/A N/A $263.00 $255.00
Class B Sports - Rates (Per Team) *
Max.Age Ice Hockey
W/Limited Brain Injury
Ice Hockey
W/Brain Injury Excluded
W/Limited Brain Injury
W/Brain Injury Excluded
12 yrs. $188.00 $175.00 $184.00 $174.00
16 yrs. $217.00 $204.00 $213.00 $203.00
18 yrs. $270.00 $257.00 $267.00 $257.00
19 & Over $306.00 $293.00 $306.00 $293.00

* Please note that the Class A and Class B rates noted above include both premium and a Risk Purchasing Group (RPG) fee of $15.00; NRPA receives $5.00 of the total RPG fee.

A complete roster is required for the sport listed below.

Class A Sports - Rates (per individual/participant)
Max.Age Swimming Track & Field Tennis Golf
18 yrs. $6.35 $6.35 $2.13 $2.13
19 & Over $9.48 $11.54 $4.20 $4.20
Class B Sports - Rates (per individual/participant)
Max.Age Wrestling
W/Limited Brain Injury
W/Brain Injury Excluded
18 yrs. $11.29 $11.02
19 & Over N/A N/A
Day Camps & Clinics - Rates (per individual/participant)
Max.Age Day Camps & Clinics
18 yrs. (Youth) $2.03
19 yrs. & Over N/A

Apply and Pay Online or Download the Application

Coverage Afforded by Plan through Age 18

$2,000,000 General Liability / $2,000,000 Participant Liability **
$250,000 Excess Accident Medical - No Deductible
$25,000 Accidental Death and Specific Loss Benefit

Coverage Afforded by Plan Age 19 and Over

$2,000,000 General Liability / $2,000,000 Participant Liability **
$100,000 Excess Accident Medical
$500 Deductible for all adult activities
$25,000 Accidental Death and Specific Loss Benefit

Liability Insurance - Description of Benefits

Description and Limit of Coverage

Commercial General Liability, including Bodily Injury, Property Damage, Personal Liability and Products Liability. Limits: $2,000,000 General Liability / $2,000,000 Participant Liability **.

Who is Protected:

Coverage is provided for the insured League or Conference, its teams, sponsors, officers, directors, managers, coaches, umpires, referees and other managing personnel and auxiliaries while acting on behalf of the insured League or Conference or one or more of its teams; the additional interest of the owners of the playing facilities (City, Municipality, School District, etc.)

Major Coverages Afforded by this Policy

  • Maintenance or use of ball parks and fields, stands and playing areas, including: all activities necessary or incidental to the conduct of practice, exhibition, post season and scheduled games.
  • Consumption or use of food products
  • Cost of investigation and defense against claims, even if they are groundless
  • Non-Owned Hired Auto Liability
  • Personal & Advertising liability
  • Participant legal liability
  • Professional Liability

  • *Class B Sports have the option to include limited coverage for brain injuries.
      If you include the coverage, the limit for "brain injury" will be limited as
      shown below.

 Brain Injury Limit/Aggregate Limit $1,000,000/$1,000,000
 Loss Adjustment Expense Limit/Aggregate Limit $1,000,000/$1,000,000

"Brain Injury" means concussion, chronic traumatic encephalopathy or any other injury to the brain and any symptoms, conditions, disorders and diseases, including death, resulting therefrom but only if such injury occurs as a result of specific events occurring during the policy period.


  • 24-Hour premises liability
  • Aircraft/hot air balloon
  • Airport
  • Animals
  • All operations listed as ineligible
  • Asbestos Exclusion
  • Amusement devices (eg: rides, slides, inflatables, bungees, climibing walls, dunk tanks)
  • Concerts
  • Fireworks Exclusion
  • Fungi or Bacteria
  • Haunted Attractions
  • Lead
  • Employment Related Practices Exclusion
  • Abuse, molestation, harassment or sexual conduct (*Option to purchase SAM coverage available online.)
  • Nuclear Energy Exclusion
  • Transportation of athletes
  • Events involving gambling (ie: bingo, Texas hold'em Tournaments)
  • Event where alcohol is furnished or served
  • Operations of independent concessionaires/vendors in conjunction with your organization
  • Carnivals/festivals

Available Online Only

Sexual Abuse or Sexual Molestation Liability
Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement

This program includes two options for coverage for claims arising out of sexual abuse or sexual molestation:

Option 1:
$1,000,000 of liability coverage for sums the insured becomes legally obligated to pay as damages because of loss arising out of any actual or threatened sexual abuse or sexual molestation. This limit is part of, not in addition to be, the general liability limit selected.

Option 2:
$100,000 of coverage for reimbursement of defense costs only resulting from claims arising out of abuse, molestation, harassment or sexual conduct.

Accident Insurance

Accident Medical Expense Benefit

The Plan plan pays for covered medical expenses starting within 90 days from date of accident causing the injury, we will pay all covered expenses incurred within 3 year from such date, less the deductible (if any) and not to exceed the maximum benefit amounts.

Covered expenses are the usual and customary charges required to be paid for treatment by a physician or dentist, a hospital confinement or outpatient care in a duly licensed hospital, nursing care by a registered graduate nurse, emergency ambulance service and prescribed drugs, medicines and other therapeutic services and supplies.  Including Hospital Room and board and Physician's visits.

The Maximum Payable Accident Medical Expense for covered Youth Activities (Ages 18 and Under) is $250,000 with no deductible.

The Maximum Payable Accident Medical Expense for covered Adult Activities (Ages 19 and Over) is $100,000. The Deductible applicable for covered Adult Activities is $500.00.

Excess Provision

The Accident Medical is payable in excess of all other valid and collectable group insurance (Examples: Major Medical Plans, Automobile Medical Policies and HMO Plans).

Accidental Death and Specific Loss Benefit

If a covered injury causes the death or loss of sight or limbs of the insured person, a benefit will be paid upon receipt of due proof that:

  1. The insured has sustained a loss of the type listed below within 1 year after suffering the injury and
  2. Such loss resulted directly and independently of all other causes from such injury.

Loss of a hand or foot is actual severance through or above the wrist or ankle joint. Loss of an eye is the entire and irrevocable loss of sight of the eye. The total benefits payable under this coverage to one insured who suffers more than one such loss from one accident shall not exceed $25,000. The amount paid under this benefit will be less any amount paid under the Paralysis Benefit.

If more than one loss occurs from one accident only one amount, the larger, will be paid. The amount paid under this benefit will be less any amount paid under the Accidental Death and Specific Loss Benefit for the same injury.

Aggregate Limit

The benefit for Accidental Death and Specific Loss is limited to an aggregate amount of $500,000. This is the maximum amount the plan will pay for injuries to a group of insured persons as the result of the same covered accident. Benefits will be divided among the insured persons in proportion to the actual loss incurred.

Who is Insured

Try-Out Season: During early preseason tryouts, insurance will extend to every person engaging in practice sessions or games.
Playing Season: After the start of the playing season, insurance will cover all persons whose names are registered as eligible team members with the insured League or Conference. In addition to registered players, the plan will cover the coaches, trainers, managers, volunteers, volunteer umpires, referees and hired officials while acting in their official capacities at scheduled games or practice sessions. Coverage is effective both during the pre-season and regular playing season.

When are they covered?

  1. Participating in scheduled games and practice sessions for youth activities (must be supervised by NRPA league/conference/association or an adult member of that league/conference/association)
  2. Participating in occasional fund raising events
  3. Traveling in a group directly to or from a scheduled game or practice session that is directly supervised by the Plan Sponsor or one of its member organizations.

Notable Exclusions: suicide, sickness, dental treatment, intoxication, replacement of hearing aids & felony.

Per Team Premium Rates for Accident Insurance Portion of Combined Plan

Contact K&K Insurance for your premium indication.

Terms of Coverage Afforded by Combined Plan

Coverage will become effective the day following the date the application and payment are mailed to K&K Insurance  (as shown on the postmark), whichever is later.


  1. All insured teams in a League, Conference or Association, etc. must be covered under the Combined Plan.
  2. The cost for the Combined Plan is the minimum premium for coverage.
  3. Full payment must be submitted with the completed application before your Liability Insurance Certificates and Accident Insurance Plan Description will be issued. No deposits will be accepted.
  4. In order to avoid delay in the processing of the applications, please make sure the information you submit is complete and accurate.

Apply and Pay Online or Download the Application

Please Note

This is a brief description of the important features of the insurance plan. It is not a contract of insurance. The descriptions contained here are not a complete description of all terms, conditions, and exclusions in the coverage. Please refer to your Liability insurance Policy and Accident Insurance Plan Description of Coverage for complete information. Coverage may not be available in all states or certain terms may differ by state law. Please keep this information as a reference.

Insurance Underwriter

Accident Insurance policies are provided by Nationwide Life Insurance Company. Liability Insurance policies are provided by Nationwide Mutual Insurance Company.

Team Sports Combined Liability & Accident Insurance

For product or service related questions...

Call Toll-free:

1 (800) 722 5676

Mail to:

NRPA Insurance

K&K Insurance Group, Inc.

P.O. Box 2338

Fort Wayne, IN  46801