Amateur Athlete Insurance

The basic need of amateur athlete insurance for youth sports typically cover injury during practice or competition. Of course the liability extends to the facilities, but usual that is limited by local or state laws. As an amateur reaches college and begins exploring the possibility of a professional career there are products to protect against sudden injury.

Often parents or someone who can afford to purchase this insurance help the young athlete secure their financial future. It can be expensive, but history proves it is a safe bet to buy this insurance. The insurance carriers, that provide this coverage, know every player and decide what their value by evaluating pro scouting reports and background checks. For instance if a football player is projected to go in the 1st round of the draft, the insurance carrier will equate a salary they believe the player will get on signing a contract based on their position. If the player doesn’t get injured along the way, the amateur athlete insurance policy is void the day the professional contract is signed.

College, High School or Club sports also need an insurance policy that covers all the participants from injury or death. Accident Medical and Accidental Death & Dismemberment policies are a must, along with a General Liability policy that protects the organizers and participants from lawsuits arising out of the competition or games. The venue would also be at risk and likely will require a certificate of insurance naming them as an additional insured. The chain or responsibility ultimate leads to anyone a lawyer thinks they can get money from in a civil suit.

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