Sports and Youth
Insurance offers quotes for Youth Sports/Cheer/Summer Camps.
summer around the corner, camps are soon to follow. Katy Insurance Agency offers competitive
sports camp insurance. We are well versed in writing for all sports and
cheer/dance camps as well as over 400 adult tackle football teams across the
United States of America. Some coaches don’t want to look at spending
money on insurance but it only takes one incident to really wish you had.
Whether it is football, basketball,
baseball, cheerleading, soccer or any other camp, we can help. We would
love to have the chance to quote your camp insurance. The application
process is easy and will cost you nothing other than 5 minutes it takes to
Terminology & Definitions
Participant General Liability
This type of coverage provides liability protection for not
only third party spectators, but also participants at your event. If you are
coaching a baseball team, in charge of a 5K race, operating a summer camp or
teaching a dance class; this is the type of coverage you will need. It is
also important to note that if you are purchasing Participant General Liability
Coverage, you will also need to purchase the Excess Accident Medical quote you
receive with the General Liability quote.
General Liability Coverage
This is the basic type of coverage
we offer. General Liability is exactly how it sounds; providing coverage for
the named insured against claims from third party individuals. Spectators at
sporting events, concerts, food fairs or renting a venue for a party are a few
examples of how General Liability Coverage can be applied.
Excess Accident Medical Coverage
For any General Liability quotation
including Participant Liability, we issue an Excess Accident Medical quotation
as well. This type of coverage pays in excess of the primary medical coverage
any medical bills/expenditures that an injured participant suffers. If the
injured party has no primary health insurance, or the sustained injury is only
covered partially by their primary health insurance, Excess Accident Medical
limits can then be accessed to help pay for medical costs (subject to the
deductible). It’s important to note that a Participant Liability claim does
not have to be filed in order to potentially have access to excess
Accident Medical payouts.
Excess General Liability Coverage
When our standard Participant and General Liability limits do not equal the
required amounts set by a venue or league, you have the option of purchasing
Excess General Liability. Also known as Umbrella coverage, we have an
assortment of increments which can be added in addition to the primary General
Liability limits. Excess General Liability follows the same form and exclusions
as the primary liability insurance.
Frequently Asked Questions
Why do I have to purchase Excess
Accident Medical with Participant General Liability?
It might help to look at these two
types of coverage like this: Excess Accident Medical quotes offer to pay for a
certain limit of medical costs while Participant General Liability quotes help
to cover defense costs and settlements if a claim is filed against you. It’s
our carriers’ philosophy that offering to pay for an injured person(s) medical
coverage could help prevent the filing of a Participant General Liability
claim; General Liability claims tend to be much more expensive and time
consuming than stand alone medical costs. Packaged together, these two types of
coverage are the most comprehensive insurance we offer.
I don’t know the exact number
of participants/attendance, what should I do?
There are many factors we used when
rating a quotation, however participant/attendance numbers are especially
important. We understand that some events don’t easily lend themselves to
accurate participant/attendance reporting, however we are flexible enough to
use an estimated range in order to still issue a quotation. Our agents are
always available to answer specific participant/attendance questions.
How long does it take to get a
Katy Insurance Agency, LLC prides
itself on prompt and efficient customer service. Once we receive a completed,
correct application it typically takes between 1 to 3 business days to receive
a written quotation. If you need same day quoting on a rush basis, please call
our office for assistance. Please note: some policies need more
underwriting attention than others, so more time might be needed to process