Youth volleyball leagues are a fabulous way to encourage kids to be active, competitive, and involved. Volleyball is fun and athletic, but sometimes, things can go wrong. We know your youth volleyball league will be a wonderful success, but it’s crucial to select the proper insurance coverage so you’re prepared for the worst-case scenarios. Keep reading to learn just how important it is to get comprehensive coverage for your volleyball organization.
Why You Need Insurance for Your Youth Volleyball League
A single mishap could be the downfall of your youth volleyball league if you don’t have comprehensive insurance. While the list of things that can go wrong is endless, the top issues organizations face are discussed below. Things like injuries and accidents happen all the time and can be disastrous. But with insurance, you can manage these problems efficiently and keep your organization running!
In Case of Injuries
The top reason you need comprehensive coverage for your league is to handle injuries when they occur. Volleyball can be a dangerous sport, with players diving onto hardwood floors or colliding with one another when going for the ball. Aside from players getting injured, insurance can also cover the cost of injuries concerning organization employees, spectators, and more. Your organization likely has coaches and other staff, and insurance can cover their worker’s compensation in the event of an injury. Unfortunately, sports injuries are almost unavoidable, but having the right coverage can make these situations easier.
Injuries are accidents, but there are many more types of accidents that can happen. Proper insurance coverage can cover the cost of an array of accidents within your organization. If you have vehicles, insurance can cover collisions, fender-benders, or even scrapes. Volleyball also requires equipment, such as balls and nets. Insurance can pay to replace or repair these types of items if an accident occurs. Accidents are unpredictable, so even though it may seem like some incidents are highly unlikely, it’s always best to be prepared for the worst.
To Obtain Permits
While having insurance for your youth volleyball team is necessary for a variety of complex reasons, one of the simplest reasons is that many spaces require you to have insurance to obtain a permit to play there. To schedule games in places like high school gyms, youth organization volleyball courts, or even government-owned beach courts, you often need to show proof of insurance, or you’ll be rejected. Not only does insurance protect you and everyone in the organization, but it also streamlines operations.
The Importance of Different Types of Coverage
Understanding how important insurance is for your youth league is not enough. You also need to understand what types of coverage and policies are best for your organization. Below is a brief overview of the most important kinds of coverage to acquire to protect everyone and ensure your volleyball league runs smoothly.
General liability insurance protects all participants, including players, coaches, and volunteers. This type of insurance protects against third-party claims, including legal defense, injury, property damage, and, additionally, sexual abuse if you opt for extra coverage. We recommend that you select further coverage, but general liability is a must-have for your organization.
Secondary Accident Medical
Secondary accident medical coverage is crucial if you want to protect the youth participants in your organization. Everything you do for this organization is really for the kids, so make sure you keep them as safe as possible with comprehensive coverage. Secondary accident medical covers the child participants for injuries, accidents, accidental death, and dismemberment. This coverage applies during sanctioned events as well as travel to and from games and practices.
Catastrophic Secondary Accident Medical Excess Coverage
This coverage is an extension of the secondary accident medical coverage discussed above. It extends your policy to cover up to $1,000,000. If your organization is large, it’s crucial you opt for this extended coverage, but even smaller leagues should ensure they can cover all medical expenses that could occur.
Directors and Officers
Protecting the youth participants is essential, but directors and officers coverage goes even further, insuring other people who help make the organization possible. This coverage protects all the directors and officers in your league from breach of duty or negligence claims. You can also add cyber liability and employment practices liability insurance for further protection.
Inland marine insurance protects all of the league’s equipment. As mentioned, volleyball requires various pieces of equipment, and that equipment can be expensive. This insurance covers all team-related equipment during games, practices, travel, and storage.
The last type of coverage we recommend for all youth sports leagues is crime protection. Unfortunately, some people will try and steal the expensive equipment, there may be internal theft of funds, or someone may try and take a league vehicle. When it comes to crime, there are many potential threats to your league. This coverage offers $10,000 or $25,000 of limit structures for protection from theft.
Protect Your Organization and Participants With the Best Coverage
As you can see, insurance can help you in several unpleasant situations, whether a player gets injured, a net gets destroyed, or someone steals from your funds. Without this comprehensive coverage, you put yourself and your organization at risk for massive medical expenses or third-party claims. Ensure you get the best insurance coverage so you can run your league with peace of mind and the kids can enjoy a lively and skillful sport.
The team of professionals at ESP Specialty can help you secure the type of coverage that best meets your needs. Reach out today to discuss your insurance needs and how we can help you protect the people you serve.