The Short Answer
When a participant is injured at your event or facility, your first responsibility is to ensure they receive proper medical care. Document the incident immediately — date, time, location, what happened, witnesses, and the injured person's information. This documentation is critical for any subsequent insurance claim.
Your general liability insurance covers third-party claims when the injured party (or their parent) alleges that organizational negligence contributed to the injury. Your accident medical coverage pays for the participant's medical expenses regardless of fault, which can resolve many situations before a formal claim is even filed.
Notify your insurance carrier as soon as you become aware that a claim may be filed — even before you receive formal legal notice. Most policies require timely notice, and late notification can jeopardize your coverage. Players Health's claims team is available to guide you through the process.
The majority of youth sports injury claims are resolved through the accident medical benefit without involving the liability policy at all. Having robust accident medical limits ($25,000–$100,000 per incident) is the most effective way to prevent small injuries from escalating into major liability claims.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Accident Medical | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | ✓ |
| Umbrella / Excess | ✓ |
| Workers Compensation | – |
| Property Coverage | – |
| Event Cancellation | – |