Most association general liability policies exclude coverage for “Athletic Sports Participant” injuries.
If the association has any sports teams (Swim Team/League, Tennis Team/League, or any other sport Team/League) there are policies available that will cover any and all teams and the association for this type of liability exposure.
Most of these policies include medical expense coverage which is available without having to establish negligence. Often included is coverage for traveling to events and coverage for coaches. Some additional policy options include Directors and Officers and team equipment coverage.
Additionally, there are some other “sports” related liability exposures that the association should be mindful of;
1) Team or League are separate legal entities – Have the Team/League provide the association with a certificate of insurance naming the association as an additional insured, not just a certificate holder. Some swim teams maybe be part of a county league that has its own coverage. This is only acceptable if your association can be added as an additional insured.
2) Instructors using association facilities – The instructor will have to carry their own liability policy and must provide the association with a certificate of insurance naming the association as an additional insured, not just a certificate holder.
3) Your association uses a lifeguard service – The lifeguard service will have to carry their own liability policy and must provide the association with a certificate of insurance naming the association as an additional insured, not just a certificate holder.
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