The Short Answer
Texas youth sports organizations are not subject to a statewide insurance mandate, but virtually every city parks department, school district, and private facility in the state requires proof of liability insurance before granting field or gym access.
The standard insurance requirement in Texas is $1 million per occurrence / $2 million aggregate general liability. Cities like Houston, Dallas, Austin, and San Antonio have specific vendor and facility use requirements that may mandate higher limits or additional insureds.
Texas is a tort-friendly state with a strong plaintiff's bar, making adequate liability limits important. Sports organizations in Texas should also carry accident medical coverage — Texas does not require health insurance for youth program participants, so medical bill liability can fall back on the organization.
Players Health has extensive experience with Texas youth sports organizations and understands the specific insurance requirements of Texas Athletics Association (TAAF), AYSO Texas Region, and city park systems statewide. Get a quote online in minutes.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Accident Medical | ✓ |
| Directors & Officers | ✓ |
| Abuse & Molestation | ✓ |
| Workers Compensation | ✓ |
| Umbrella / Excess | ✓ |
| Property Coverage | – |
| Event Cancellation | – |