$11,000
Avg Claim Cost
Low
Concussion Risk Level
2,600,000
Youth Athletes in State
Coverage Requirements for Your State
In New York, youth sports organizations must meet specific insurance requirements. Our guides help you understand GL, accident, and SAM coverage obligations.
State Regulations
Cardiac Emergency Response Plans required 2025–26; concussion protocols mandatory; John Mackey Youth Football Protection Act pending
Flag Football Risk Profile
Most common injury type: Ankle Sprains / Collisions. Understanding these risks helps you choose appropriate coverage limits and risk management protocols.
Risk Management Tip
Inspect all playing surfaces before games. Remove any debris or hazards from the field.
| Coverage Type | Minimum Limit | Recommended Limit |
|---|---|---|
| General Liability | $1M/$2M | $1M/$2M |
| Participant Accident | $25K | $100K per person |
Real Claim Example
$15K — collision between two players, ankle fracture alleged to be from unsafe field
Important Note
New York's waiver limitations make having active GL coverage even more critical — organizations cannot rely on signed waivers.