The Short Answer
Youth lacrosse organizations in Maryland need to meet insurance requirements set by state and local park systems, school districts, and facility operators. While Maryland does not have a single statewide youth sports insurance law, proof of general liability coverage is effectively required to access public fields and recreational facilities.
The standard minimum in Maryland is $1 million per occurrence / $2 million aggregate in general liability. Many Maryland municipalities also require accident medical coverage for participants and abuse & molestation coverage for programs that work with minors.
Players Health has helped hundreds of lacrosse organizations in Maryland get properly covered. Our certificates are accepted by parks departments and school systems throughout Maryland, and you can bind coverage online in minutes.
In addition to general liability, Maryland lacrosse organizations should consider Directors & Officers insurance to protect board members, umbrella coverage for larger programs, and workers compensation if you have any paid staff.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Accident Medical / Participant | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | ✓ |
| Umbrella / Excess Liability | ✓ |
| Workers Compensation | ✓ |
| Property Coverage | – |
| Event Cancellation | – |