The Short Answer
New York State youth sports organizations face some of the most stringent insurance requirements in the country, driven by high litigation rates, active plaintiff's attorneys, and strict facility requirements in New York City and surrounding metro areas.
New York City parks, NYSAA-affiliated schools, and most private facilities in the state require $1 million per occurrence / $2 million aggregate general liability minimum, with many requiring $2 million per occurrence. Additional insured endorsements naming the city or facility are standard.
New York's Child Victims Act has significantly expanded the statute of limitations for childhood sexual abuse claims, making abuse & molestation coverage essential for any organization working with minors. Players Health includes A&M as a standard component of every New York youth sports policy.
Players Health's certificates are accepted by NYC Parks & Recreation, NYSAA, and facilities throughout the state. New York organizations can bind coverage online with same-day certificate issuance.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Accident Medical | ✓ |
| Directors & Officers | ✓ |
| Abuse & Molestation | ✓ |
| Workers Compensation | ✓ |
| Umbrella / Excess | ✓ |
| Property Coverage | – |
| Event Cancellation | – |