$45,000
Avg Claim Cost
Low
Concussion Risk Level
2,900,000
Youth Athletes in State
Coverage Requirements for Your State
In Florida, youth sports organizations must meet specific insurance requirements. Our guides help you understand GL, accident, and SAM coverage obligations.
State Regulations
FS 1006.20 — concussion protocol for youth; AED required at school events; Safe Sport training required
Swimming Risk Profile
Most common injury type: Drowning / Spinal Injuries. Understanding these risks helps you choose appropriate coverage limits and risk management protocols.
Risk Management Tip
Minimum two certified lifeguards on deck at all practices. Emergency action plans must be posted and rehearsed.
| Coverage Type | Minimum Limit | Recommended Limit |
|---|---|---|
| General Liability | $1M/$2M | $1M/$2M |
| Participant Accident | $25K | $100K per person |
Real Claim Example
$120K — near-drowning incident, family alleged inadequate lifeguard supervision
Important Note
Florida venues and parks typically require $1M GL COI before use.