$16,000
Avg Claim Cost
Moderate
Concussion Risk Level
1,320,000
Youth Athletes in State
Coverage Requirements for Your State
In Virginia, youth sports organizations must meet specific insurance requirements. Our guides help you understand GL, accident, and SAM coverage obligations.
State Regulations
VA Code 22.1-271.5 — mandatory concussion protocol; written clearance required; VHSL compliance for school programs; growing lacrosse market in Northern Virginia
Basketball Risk Profile
Most common injury type: Ankle Sprains / Knee. Understanding these risks helps you choose appropriate coverage limits and risk management protocols.
Risk Management Tip
Inspect all court surfaces before games. Document and report any hazards to the facility owner immediately.
| Coverage Type | Minimum Limit | Recommended Limit |
|---|---|---|
| General Liability | $1M/$2M | $1M/$2M |
| Participant Accident | $25K | $100K per person |
Real Claim Example
$28K — ACL tear during AAU tournament, family alleged unsafe court surface
Important Note
Virginia parks and recreation departments require COI before approving any field use permit.