AMATEUR SPORTS LEAGUE, ASSOCIATIONS & TEAMS

Amateur Sports League & Team Insurance

Protecting participants, volunteers, and organized play

Amateur sports leagues, associations, and teams are built around participation, competition, and community involvement. With athletes, coaches, volunteers, and spectators involved, risk exists both on and off the field.

A properly structured insurance program helps protect the organization, its leadership, and the people who make participation possible.

Key Risks in Amateur Sports Operations

Sports organizations face exposure related to:

• Participant injuries during games or practices

• Allegations of improper supervision or coaching

• Volunteer and coach liability

• Event-related injuries involving spectators

• Facility and premises liability

• Governance and decision-making claims

Even non-profit or recreational leagues face significant liability exposure.

Core Coverages for Amateur Sports Organizations

Amateur sports insurance programs typically include:

General Liability
Protects against bodily injury and property damage claims involving participants, spectators, or third parties.

Participant Accident Medical
Provides limited medical benefits for injured participants, regardless of fault.

Directors & Officers Liability (D&O)
Protects board members and officers from claims related to governance or organizational decisions.

Abuse & Molestation Liability (when applicable)
Provides coverage for allegations involving misconduct by coaches or volunteers.

Commercial Property (when applicable)
Covers owned equipment or facilities against covered losses.

What’s Commonly Overlooked

Sports organization insurance programs are often weakened by:

• Overreliance on waivers without proper coverage

• Missing abuse & molestation protection

• Inadequate participant accident limits

• Failure to insure volunteers and coaches

• Gaps in event or off-site activity coverage

These gaps often surface after serious injuries.

Real-World Claim Examples

• An athlete is injured during a game

• A spectator is injured at a sporting event

• A volunteer coach faces an allegation of misconduct

• A board decision leads to legal action

Sports-related claims often involve medical costs and litigation.

Why Proper Placement Matters

Sports coverage varies significantly based on:

• Age groups and competition level

• Type of sport and physical contact

• Number of participants and events

• Volunteer involvement and supervision

Improper placement can result in uncovered injuries or leadership exposure.

Our Approach

At Cory Washington & Co., we approach amateur sports insurance with a participant-first mindset. We help organizations structure coverage that supports safe participation, responsible governance, and long-term sustainability.

Strong leagues are built on trust and protection.