Coverage Requirements for Your State
In Washington, youth sports organizations must meet specific insurance requirements. Our guides help you understand GL, accident, and SAM coverage obligations.
Zackery Lystedt Law — strongest return-to-play law in the US; written clearance by licensed health care provider required; annual coach training mandatory
Flag Football Risk Profile
Most common injury type: Ankle Sprains / Collisions. Understanding these risks helps you choose appropriate coverage limits and risk management protocols.
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 |
$15K — collision between two players, ankle fracture alleged to be from unsafe field
Washington state parks and King County parks require proof of GL insurance before any recreational use permit.