GENERAL LIABILITY

General Liability Insurance is a critical insurance policy for all organizations. It provides coverage for common liability issues such as bodily injury, property damage, personal injury, and advertising injury.

General Liability protects your small business or activity from the high costs associated with lawsuits and helps you meet the requirements of leases and contracts.

Note, this coverage does not provide abuse and molestation coverage. It can be added for an additional premium.

SELECT YOUR PROGRAM

CAMPS & CLINICS

This program will provide primary liability coverage for sports day clinics. Sports clinics are generally a week or less in duration, but coverage for multi-week clinics is also available in this program. Coverage will be provided via individual policies, issued as part of the Purchasing Group. Optional coverage for Non-Owned and Hired Automobile Liability and Abuse and Molestation is also available. Waivers are required. Clinics with prior losses and overnight camps/clinics are not eligible for coverage via the online program.

TEAMS & LEAGUES

General Liability Insurance is a critical insurance policy for all organizations. It provides coverage for common liability issues such as bodily injury, property damage, personal injury, and advertising injury.


General Liability protects your small business or activity from the high costs associated with lawsuits and helps you meet the requirements of leases and contracts.


Note, this coverage does not provide abuse and molestation coverage. It can be added for an additional premium.

APPLY

SPORTS TOURNAMENTS & EVENTS

This program provides primary event liability coverage for short-term sports events (tournaments, exhibitions, outings, etc.). This program can provide coverage for events held at a single location up to 14 consecutive event days (including practice days), up to a maximum total of 1,200 participants, and up to a maximum total attendance of 10,000. Coverage for an additional setup and tear down days is automatically provided.

OPTION 1 OPTION 2 OPTION 3 OPTION 4 OPTION 5
Commercial General
Liability (CGL)
Limits Limits Limits Limits Limits
Each
Occurrence
$1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
General Aggregate (Other than
Products-completed Operations)
$5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
Products-completed
Operations Aggregate
$1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Personal and
Advertising Injury
$1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Legal Liability to
Participants
$1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Professional
Liability
$1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Damage to Premises Rented
to You (Fire Legal Liability)
$1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Medical Expense (other than
participants)
$5,000 $5,000 $5,000 $5,000 $5,000
Medical Payments for Participants
(Excess) Deductible Applies
$25,000 $25,000 $25,000 $25,000 $25,000
Optional Increased Limit
(Additional Premium Applies)
$100,000 $100,000 $100,000 $100,000 $100,000
Optional Increased Limit
(Additional Premium Applies)
$250,000 $250,000 $250,000 $250,000 $250,000
*Deductible can be adjusted for lower premium Deductible Options $100, $250, $500
OTHER OPTIONAL COVERAGES
Teams & Leagues
Sexual Abuse Liability
Equipment and Contents
Directors & Officers
Hired Auto and Employers' Non-ownership Liability
Limited Brain Injury Coverage
Camps & Clinics/ Sports Tournaments & Events
Sexual Abuse Liability
Hired Auto & Employers’ Non-ownership Liability
Limited Brain Injury Coverage

Commercial General Liability (CGL)

OPTION 1: Limits

OPTION 2: Limits

OPTION 3: Limits

OPTION 4: Limits

OPTION 5: Limits

Each Occurrence

OPTION 1: $1,000,000

OPTION 2: $2,000,000

OPTION 3: $3,000,000

OPTION 4: $4,000,000

OPTION 5: $5,000,000

General Aggregate (Other than Products-completed Operations)

OPTION 1: $5,000,000

OPTION 2: $5,000,000

OPTION 3: $5,000,000

OPTION 4: $5,000,000

OPTION 5: $5,000,000

Products-completed Operations Aggregate

OPTION 1: $1,000,000

OPTION 2: $2,000,000

OPTION 3: $3,000,000

OPTION 4: $4,000,000

OPTION 5: $5,000,000

Personal and Advertising Injury

OPTION 1: $1,000,000

OPTION 2: $2,000,000

OPTION 3: $3,000,000

OPTION 4: $4,000,000

OPTION 5: $5,000,000

Legal Liability to Participants

OPTION 1: $1,000,000

OPTION 2: $2,000,000

OPTION 3: $3,000,000

OPTION 4: $4,000,000

OPTION 5: $5,000,000

Professional Liability

OPTION 1: $1,000,000

OPTION 2: $2,000,000

OPTION 3: $3,000,000

OPTION 4: $4,000,000

OPTION 5: $5,000,000

Damage to Premises Rented to You (Fire Legal Liability)

OPTION 1: $1,000,000

OPTION 2: $1,000,000

OPTION 3: $1,000,000

OPTION 4: $1,000,000

OPTION 5: $1,000,000

Medical Expense (other than participants)

OPTION 1: $5,000

OPTION 2: $5,000

OPTION 3: $5,000

OPTION 4: $5,000

OPTION 5: $5,000

Medical Payments for Participants (Excess) Deductible Applies

OPTION 1: $25,000

OPTION 2: $25,000

OPTION 3: $25,000

OPTION 4: $25,000

OPTION 5: $25,000

Optional Increased Limit (Additional Premium Applies)

OPTION 1: $100,000

OPTION 2: $100,000

OPTION 3: $100,000

OPTION 4: $100,000

OPTION 5: $100,000

Optional Increased Limit (Additional Premium Applies)

OPTION 1: $250,000

OPTION 2: $250,000

OPTION 3: $250,000

OPTION 4: $250,000

OPTION 5: $250,000


*Deductible can be adjusted for lower premium Deductible Options $100, $250, $500

OTHER OPTIONAL COVERAGES

  • Sexual Abuse Liability
  • Equipment and Contents
  • Directors & Officers (For Non-Profit Organizations)
  • Hired Auto and Employers' Non-ownership Liability
  • Limited Brain Injury Coverage

GENERAL LIABILITY NOTABLE EXCLUSIONS

  • Asbestos Exclusion
  • Lead Exclusion
  • Abuse or Molestation Exclusion (unless optional coverage is purchased)
  • Fungi/Bacteria Exclusion
  • Fireworks Exclusion
  • Exclusion - Designated Ongoing Operations (field ownership and/or maintenance of playing fields; hosted tournaments; professional or semi-professional sports teams or leagues)

IN NEED OF ASSISTANCE?

CONTACT US

(800) 777-4930   |   
lori.sabato@theriskpeople.com