Over 45 million people are involved in organized sports each year

Participation in recreational sports continues to rise and organizations face a wide variety of exposures ranging from participant and spectator injury to decisions made in managing the operations. Whether it be a team, league, association, camp or clinic, we have you covered. Our broad product meets the needs of the organizations by providing general liability, directors and officers liability, employment practices liability, hired and non-owned auto, property, inland marine, commercial umbrella and crime coverage.

General Liability Features 
Includes coverage for spectators, abuse and molestation, assault and battery and ability to include youth participants

  • Participant coverage is available for youth
  • Abuse and molestation limits of $100,000 /$200,000 included with the option to increase limits to $1,000,000 for
  • youth-only organizations
  • Assault or battery sublimit at no additional charge
  • Fundraisers and certain special events included
  • Landlord listed as an additional insured for no additional cost
  • No designated premise limitation
  • No liability deductible

Directors & Officers*/ Employment Practices Liability 
Protect members of the board and their personal assets

  • Lifetime occurrence reporting provision – Unlimited reporting extension for former directors and officers
  • Volunteers are included within the definition of “employee”
  • Third party discrimination and harassment coverage is included
  • Data & Security+ endorsement – Provides a $50,000 expense sublimit each for data breach, identity theft, workplace violence and kidnap expenses
  • Full prior acts coverage
  • Unlimited defense outside the limit
  • Separate limits of liability for directors and officers and employment practices liability claims
  • Breach of contract coverage
  • Fair Labor Standards Act (FLSA / Wage and Hour) sublimit of $100,000 for defense costs and loss (available in most states)
  • Optional fiduciary coverage
  • Optional standard form – A competitively-priced alternative to our broad form option

*For nonprofit entities

Property & Inland Marine Features 
Includes sports equipment, field maintenance equipment and concession stand

  • Property limits are available up to $3,000,000 ($1,000,000 in coastal territories)
  • Ability to provide inland marine on a scheduled or blanket basis up to $500,000 ($25,000 maximum value per scheduled item)
  • Value Plus endorsement – 14 valuable coverage enhancements including:
    • $25,000 fine arts, $10,000 sign, $10,000 transit, $5,000 monies and securities,$5,000 employee dishonesty and more


Request A Quote

Contact Charity First Insurance Services, Inc.