Team Sports
Combined Liability and Accident Coverage

Description of Benefits

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
• Limitations for neurodegenerative injuries may apply

Medical Payments for Participants benefit

This coverage is provided under the general liability policy and extends coverage for eligible medical and dental expenses incurred by a player/participant while participating in your covered sports activities. The coverage is provided on an excess basis responding after all other medical coverage available to the participant has been exhausted. If no other coverage exists, the coverage becomes primary subject to the stated deductible. The benefit period for this coverage is two years from the date of the accident.

Coverage Afforded by Plan through Age 18

• Commercial General Liability
  $2,000,000 General Liability/$2,000,000 Participant Liability
  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Liability
  • Products Liability
• Medical Payments for Participants
  $250,000 (No Deductible)

Coverage Afforded by Plan Age 19 and Over

• Commercial General Liability
  $2,000,000 General Liability / $2,000,000 Participant Liability
  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Liability
  • Products Liability
• Medical Payments for Participants
  $100,000 ($500 deductible per insured per injury for all adult activities - age 19 and over)

Note: Limitations for neurodegenerative injury may apply if coverage is selected.

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.

Liability Insurance policies are provided by AIG Specialty Insurance Company (surplus lines) - Rated "A" by AM Best Company.