Amateur Sports Insurance – Youth and Adult

AD&D insurance pays out a lump sum benefit to an insured person when an injury causes death or loss of a body part, including paralysis and brain death. In the context of this type of coverage, an accident is defined as an unforeseen event such as a trip and fall, sports injury, motor vehicle or boat accident, mechanical injury and more. With AD&D coverage, a death benefit will pay out 100% of the sum insured amount. The loss of a body part will cover a specific percentage of the sum insured amount.

AD&D insurance can provide extra protection for members of an amateur sports organization to assist with the financial burden of accidental death or serious injury. An AD&D policy can be customized to meet the needs of the organization’s risk. This means coverage can be extended to any class of individual named by the association.

Coverage includes:

• AD&D (lump sum payout)
• Permanent total disability (lump sum payout)
• Accident medical (expenses not covered by GHIP)
• Ancillary benefits for funeral costs, bereavement benefits, home modifications, etc.
• Sanctioned games, practices, tournaments and competitions
• Loss schedule (enhanced options available)

From basketball to football, soccer or even band, we understand the risks involved while running a camp or clinic. Our sports insurance experts work with various clubs, teams, schools and coaches annually to run thousands of camps and clinics nationwide.

Programs are available for any of these activities:

• All-Star games
• Athletic day camps
• Commuter and overnight camps
• Leagues and teams
• Supervised off-season workouts
• Teaching clinics

We can advise your staff on identifying and dealing with claims of abuse, molestation and exploitation. In addition, we have worked with leading child protection experts to develop best practices and protocols to help mitigate risks to your participants, staff, reputation and finances. Finally, we can advise on the appropriate insurance coverage to protect your organization from liability.

Our coaches and officials' program covers all game officials officiating during scheduled games or competitions. We have also created a comprehensive program for your association or league. General liability, accident medical and directors and officers insurance are only a few of the comprehensive programs we can customize for individuals or organizations.

Some of the types of coverage may include:

• General liability and excess liability
• Excess accident medical coverage
• Game fee reimbursement for lost wages
• Disability

For youth 5 to 19 years of age, brain injuries made up 80% of all sports-related emergency department visits for head injuries between 2011 and 2017.¹ Our sports insurance specialists understand the inherent risk of concussions within youth sports and best practices for concussion protocols. As a result, we can help your organization be better prepared and mitigate risk with practical strategies for concussion awareness, protocols and recovery.

¹ Concussions: Sport and Recreation, Government of Canada, 2011-2017.

Amateur sports programs may require additional coverage options to address their unique needs. HUB’s vast network of insurance professionals can advise you on the right products to cover your risks, including:

• Auto Liability and Transportation
• Cyber Liability
• Crime Insurance
• Equipment Coverage
• Errors and Omissions
• Directors and Officers
• General Liability
• Media Liability
• Property
• Referees and Officials
• Staff or Participant Travel Accident
• Volunteer Accident Medical
• Volunteers

This program provides general liability and accident medical coverage for amateur sports teams and leagues. Coverage includes games, practices, tournament participation, tryouts, fundraisers and official team or league functions. In addition, coverage includes abuse and molestation if the required background checks have been completed. Optional non-owned and hired automobile and inland marine coverage for sports equipment are also available.

We can help you with primary event liability coverage for short-term sports events, such as tournaments, exhibitions and walk/run events. Our sports insurance professionals have experience with various tournament and event formats, durations and sizes. In addition, we can provide risk management strategies and advise your organization on the coverage needed to protect you against liability from bodily injury, participant injuries, property damages and more.