Youth Sports Insurance

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Make playing sports as safe as they are fun

Sports are a favorite past-time among young people and can create life-long benefits. Youth and amateur sports programs run year-round in various locations and cover multiple ages and abilities. The challenge for sports organizations is making it safe for everyone. In children ages 14 and under, more than 3.5 million sports-related injuries occur each year that cause some loss of participation time.¹

Injuries and accidents will happen, and organizations need proper risk management and insurance coverage to protect their administrators, coaches and officials from being held liable. Regardless of the level or type of sport, every organization needs to understand and put in place best practices that will create an environment where the risk of injuries and their scope of costs are minimized.

To protect your athletes, staff, events and facilities, our team of sports insurance specialists can help your organization manage risks, develop a comprehensive insurance plan and create an attractive benefits strategy. We have expanded our sports insurance capabilities with the addition of ESP Specialty and Dissinger Reed, leading insurance brokerages with specialized amateur and youth sports capabilities.

Keep your team engaged with the right benefits strategy

Youth and amateur sports organizations need to ensure that they have qualified staff to run their athletic programs and events. A comprehensive health and retirement benefits package can go a long way in attracting the right people — and keeping them. Our employee benefits specialists can help foster a healthy work environment so that you can focus on building young athletes. We can work with you to determine your workplace needs and guide you in designing the best program to suit your staff.

¹ Stanford Medicine Children’s Health, Sports Injury Statistics, 2022

Manage the risks of running an athletic program

We understand the unique risks that come with running a team, sports league or hosting a specific event. We can provide comprehensive accident medical, general liability, Directors & Officers, property, equipment coverage, crime insurance and much more to our youth sports partners.

By building a comprehensive risk management and insurance plan, you can ensure that your association is addressing all the various risks you may face. From accidents and injury to event cancellations and professional liability, we can support your athletes, staff and athletic events.

Basic Accident Medical Insurance

Accidents can happen at any time, during a regular day. Basic accident insurance coverage includes participation in interscholastic athletics, including tackle football. Coverage is provided during tryouts, pre-season play, practice, regular and post-season play. Custom and sports-only plans are available.

Camps and Clinics

From basketball to football, soccer or even band, we understand the risk 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 the following activities:

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

Catastrophic Accident Medical Coverage

Youth sports groups with contact sports and other activities understand how important catastrophic accident insurance is. Both a mandatory catastrophic accident program and a voluntary catastrophic accident program are included in our coverage. This program supplements and increases basic accident coverage to help pay for extraordinary out-of-pocket medical expenses.

Catastrophic accident insurance includes:

High-limit benefits for disabling injuries.
Various benefit periods, including lifetime.
Covers players while participating in a covered sport or activity, including practice and play, as well as covered travel.
Benefits for the injured youth begin once the catastrophic deductible has been met.
An accidental death benefit.

Child Protection Solutions

We can advise your staff on how to identify and deal with claims of abuse, molestation and exploitation. We have worked with leading child protection experts to develop best practices and protocols that will help you mitigate risks to your participants, staff, reputation and finances. We can also advise on the appropriate insurance coverage to make certain that your organization is protected from liability.

Coaches and Officials

Our coaches and officials’ program is strategically designed to cover all game officials while performing their officiating duties during scheduled games or competitions. We have created a comprehensive program for your association or league. General liability, accident medical and Directors and Officers 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

Concussion Protocols

We understand today’s inherent risk of concussions within youth associations, leagues and teams. Our sports insurance specialists can provide your organization with effective tools and materials related to concussion awareness, protocols and recovery.

Specialty Coverage

Youth 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:

General Liability
Secondary Accident Medical
Catastrophic Accident Medical
Property
Crime Protection
Inland Marine
Excess Liability
Directors and Officers
Cyber Liability
Errors and Omissions Liability

Teams and Leagues

This program provides General Liability and Accident Medical coverage for youth sports teams and leagues. Coverage is included for games, practices, tournament participation, tryouts, fundraisers and official team or league functions. Coverage for abuse and molestation is included if the required background checks are completed. Optional non-owned and hired automobile coverage and inland marine coverage for sports equipment are also available.

Tournaments, Events and Post-Season Insurance

We can help you with primary event liability coverage for short-term sports events, such as tournaments, exhibitions, walk/run events and more. Our sports insurance professionals have experience with a variety of tournament and event formats, durations and sizes. 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.

Is Your Youth Sport Organization Addressing Harassment & Abuse?

The SafeSport Authorization Act took effect in 2018, but many youth sports organizations are not in compliance. Meet the requirements and protect your players.

How Youth Sports Groups Can Improve Their Injury Management Procedures

Youth sports injuries can be decreased by creating an environment where the risk of injuries and their scope of costs are minimized. Learn more with HUB!

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3 Key Insurance Considerations to Protect Everyone in Youth Sports

Youth sports contribute to a third of all childhood injuries. Learn about the sports injury insurance required to protect everyone in youth sports.

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6 Guidelines to Help Amateur Sports Groups Develop Effective Emergency Action Plans

Emergency action plans are essential when a health-related sports emergency takes place. Read this HUB article to learn more.

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Learn more about our youth sports insurance

Every youth sports organization faces risks that threaten safe play and athletic program development. That’s why it’s important to work with specialists who understand the sports industry and your specific risks.

Contact a HUB Broker to Get Started