What Is Sports & Events Insurance?
If you’re thinking of renting a gym facility for a local sports league, whether it be a pickup league or a more scheduled league it is important that you have insurance in place to cover your liability as the group renting the facility.
A commercial general liability policy will provide protection for liability suits for bodily injury and property damage caused to third parties related to the rental of the facility. As the group occupying the space at the time of the sport being played the named insured listed under the rental is may be held liable for “compensatory damages” in connection to any bodily injury or property damage that may occur during the rental.
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Why Should I Have Insurance For My Gym or Facility Rental?
To answer this, we spoke to Duliban Insurance Brokers Farm & Commercial Account Producer Josh Mashinter. Here’s what he had to say:
“There are a lot of reasons you should have a commercial general liability insurance policy in place for your recreational sports league,” said Mashinter. “Many local district school boards are now requiring that proof of liability insurance be in place in order for a gym to be rented, and as a part of a commercial general liability policy you have the ability to list the local school board as an additional insured on your insurance policy.”
Here Are Some Examples of How Commercial General Liability Insurance Covers Your Business? (Type of Claim and the Exposures).
Transportation
-Arranged transportation exposures for tournaments etc.
-A child left behind after practice/game.
Abuse
-Police checks required for coaches and assistant trainers.
– Allowing coaches to be alone with single participants.
-Overnight trips for tournaments.
Liquor Exposure
-Any events that provide/sell alcohol.
-Team parties or banquets.
Unprofessional Conduct (Coaches)
-Coach advised one player to target another.
-Focus is more on winning than fundamentals.
Spectator Injury (Bleachers/stands)
-Bleachers collapse due to spectator and cheering.
-Children playing on bleachers unsupervised.
Facility Inspection/ Lack of Maintenance
-Playing surface is uneven or damaged.
-Change rooms subject to theft while not in use.
First Aid/Security
-Trained assistant/coach for accidental injuries.
-Adequate security for over zealous fans.
Over-exertion/Exposure
-Make sure players are well hydrated.
-Proper clothing for weather conditions and sunscreen is available.
How You Can Get Started
If you have specific questions relating to Commercial General Liability Insurance, the Duliban Insurance Brokers team is here to help! Contact us today to find answers to your questions and to get a free quote based on your specific needs.
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