$28,000
Avg Claim Cost
High
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
Lacrosse Risk Profile
Most common injury type: Head/Neck Injuries. Understanding these risks helps you choose appropriate coverage limits and risk management protocols.
Risk Management Tip
All players must wear certified helmets. Implement a return-to-play protocol compliant with state law.
| Coverage Type | Minimum Limit | Recommended Limit |
|---|---|---|
| General Liability | $1M/$2M | $1M/$2M |
| Participant Accident | $25K | $100K per person |
Real Claim Example
$44K — concussion claim after player returned without physician clearance
Important Note
New York's waiver limitations make having active GL coverage even more critical — organizations cannot rely on signed waivers.