The Short Answer
Youth sports organizations can reduce their insurance costs by bundling multiple coverage types (general liability, accident medical, D&O, A&M) into a single policy rather than purchasing them separately. Players Health's bundled policies are typically 20–30% less expensive than buying coverage piecemeal.
Maintaining strong risk management practices also helps control costs over time. Organizations that conduct regular background checks, maintain proper coach-to-player ratios, and document their safety protocols may qualify for preferred pricing from Players Health.
Group purchasing programs — where a state association purchases coverage on behalf of affiliated clubs — can significantly reduce per-club premiums. Players Health works with state governing bodies to create association-wide programs that deliver cost savings to members.
Annual payment is usually cheaper than monthly payment options. If your organization's cash flow allows it, paying the full annual premium upfront often results in a 5–10% discount over the course of the policy year.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Accident Medical | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | ✓ |
| Umbrella / Excess | ✓ |
| Workers Compensation | – |
| Property Coverage | – |
| Event Cancellation | – |