The Short Answer
General liability insurance covers your organization when a third party — a participant, spectator, parent, or vendor — suffers a bodily injury or property damage that is attributed to your organization's operations. It pays legal defense costs, settlements, and judgments up to your policy limits.
For sports organizations, general liability is the foundational coverage. It protects you if a parent sues because their child was injured during practice, if a spectator trips on your equipment, or if a vendor claims your event damaged their property.
General liability does not cover injuries to your own employees (that's workers compensation), damage to your own property (that's property insurance), or intentional acts. Understanding what is and isn't covered helps you build a complete insurance program.
Players Health includes general liability as the cornerstone of every youth sports and fitness organization policy. Standard limits are $1M/$2M, with higher limits available for larger programs. Add additional insureds — facilities, leagues, municipalities — at no extra cost.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| General Liability | ✓ |
| Accident Medical | ✓ |
| Directors & Officers | ✓ |
| Abuse & Molestation | ✓ |
| Workers Compensation | – |
| Property Coverage | – |
| Umbrella / Excess | ✓ |