The Short Answer
Youth sports organizations often run seasonal programs, and insurance needs to align with your operating calendar. Policies are typically issued on an annual basis, meaning they cover all activities within the policy year regardless of which season they occur in.
For organizations with distinct spring and fall seasons — common in soccer, baseball, and softball — an annual policy that covers both seasons is usually the most cost-effective approach. You don't need two separate policies for two seasons in the same year.
Mid-season additions — new participants, new coaches, new venues — should be reported to your carrier to ensure they're covered under your existing policy. Players Health's platform makes it easy to update your roster and add additional insureds at any time.
When renewing your policy each year, update your participant count, list any new venues or activities, and review your coverage limits. Organizations that have grown significantly during the year may need to increase their general liability or accident medical limits at renewal.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Accident Medical | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | ✓ |
| Umbrella / Excess | ✓ |
| Workers Compensation | – |
| Property Coverage | – |
| Event Cancellation | – |