$58,000
Avg Claim Cost
Critical
Concussion Risk Level
140,000
Youth Athletes in State
Coverage Requirements for Your State
In North Dakota, youth sports organizations must meet specific insurance requirements. Our guides help you understand GL, accident, and SAM coverage obligations.
State Regulations
NDCC 15.1-18-12 — concussion protocol required; NDHSAA compliance for school programs; strong hockey culture
Hockey Risk Profile
Most common injury type: Concussion / Lacerations. Understanding these risks helps you choose appropriate coverage limits and risk management protocols.
Risk Management Tip
Mandate USA Hockey-certified coaches. Require full equipment inspections before each season.
| Coverage Type | Minimum Limit | Recommended Limit |
|---|---|---|
| General Liability | $2M/$5M | $2M/$5M |
| Participant Accident | $25K | $100K per person |
Real Claim Example
$62K — concussion lawsuit, family alleged coach failed to remove player after hit
Important Note
North Dakota parks and recreation departments require COI before approving facility use.