Sporting Event (Spectator Only) Insurance Program
Program Description and Details

This program provides General Liability coverage protection for all Spectators of the Policyholder, against claims of bodily injury, property damage and the litigation costs to defend against such claims.
Coverage includes suits arising out of:
• Injury or death of spectators
• Property damage liability
• Incidental medical malpractice
• All activities necessary to conduct of practices and games
• Ownership use or maintenance of fields or practice areas
• General negligence claims
• Cost of investigation and defense of claims, even if groundless
Eligible Sports/Activities:
Baseball Games and Events - Amateur
Basketball Games and Events - Amateur
Bicycling Event - No Racing / Off-road
Bowling Tournaments
Boxing, Wrestling, Hockey and Football Games - Amateur
Cheerleading Events/Competitions - No Pyramids
Fishing Events
Golf Events - Non Professional
Golf Tournament - Daytime
Gymnastic Competitions
Ice Skating Shows
Junior Athletic Games
Karate Meets
Lacrosse Games/Events
Marathons (Walking and Running) - attendance 500 and under
Marathons (Walking and Running) - attendance over 500
Pool/Billards Tournaments
Rodeo and Roping Events - Amateur
Rugby Games/Events
Ski Event - Non-Professional
Soccer Games/Events
Softball Games/Events
Sporting Events - Non-Professional and Indoors
Tennis Tournament
Volleyball Games - Amateur
and More...
Typical/Standard Program Limits:
General Aggregate
$2,000,000
Per Occurrence
$1,000,000
Personal & Advertizing Injury
$1,000,000
Products / Completed operations aggregate
$1,000,000
Fire Damage (any one fire)
$100,000 
Medical Expenses (any one person)
$5,000
Occurrence-Form Policy
coverage excluded for claims by athletic participants
This insurance program is written on a master policy basis. Each member is named to the master policy on an individual basis with their own liability limits.
 $1,000,000 Limit available
Optional Additional Coverage(s) (typically available)
Excess Liability Coverage
This coverage can be purchased to effectively increase the the General Liability Per Occurrence / General Aggregate Limits, with the following Per Occurrance / General Aggregate Limit options:
 
$1,000,000 / $1,000,000
(Total Liability Coverage Amount $2M/$3M)
 
$2,000,000 / $2,000,000
(Total Liability Coverage Amount $3M/$4M)
 
$3,000,000 / $3,000,000
(Total Liability Coverage Amount $4M/$5M)
 
$4,000,000 / $4,000,000
(Total Liability Coverage Amount $5M/$6M)
 
$5,000,000 / $5,000,000
(Total Liability Coverage Amount $6M/$7M)
Hired and Non Owned Auto Liability Coverage
Provides coverage against claims of bodily injury or property damage due to an accident resulting from the use of an automobile that is either:
Hired: an "auto" the insured has leased, hired, rented or borrowed. This does not include any "auto" the insured has leased, hired, rented or borrowed from any of the insured's "employees", partners (if the insured is a partnership), members (if the insured is a limited liability company) or members of their households.
or
Non-owned: an "auto" the insured does not own, lease, rent or borrow that is used in connection with the insured's business. This includes "autos" owned by the insured's "employees", partners (if the insured is a partnership), members (if the insured is a limited liability company) or members of their households but only while used in the insured's business or personal affairs.
Optionally Available Coverage:
 
$1,000,000
(Combined Single Limit)
Exact wording may vary per policy.
Liquor Liability
Provides coverage against claims of bodily injury or property damage (including damages for care, loss of services, or loss of support), due to the selling, serving or furnishing of alcoholic beverages.
Optionally Available Coverage:
 
$1,000,000
(Combined Single Limit)
The exact statement of the coverage conditions is policy dependant.
This endorsement limits the insurer's ability to seek restitution from a third party who causes a loss to the insured.
Program Features
Owners of premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There is no additional premium charge or fees for certificates of insurance evidencing this coverage.
Notable Exclusions
Personal and Advertising Injury Liability- Entertainment Industry, Fireworks with Exception for Concussion Effects, Flashpots, Smokepots, and Mosh Pits, Throwing, Kicking, or Projecting of Objects or Persons, Expected or Intended Injury (Assault or Battery), Communicable Diseases, Comparative Advertising (Designated Operations), Medical Payments For Volunteer Workers, Damage To Premises Rented To You for Seven Or Fewer Consecutive Days, Limitation Of Coverage To Designated Events, Athletic or Sports Participants, Coverages C Medical Payments, Aircraft, Auto Or Watercraft, Employment Related Practices, Total Pollution, Limited Fungi or Bacteria Coverage, Punitive Damages Related To A Certified Act Of Terrorism, Sale/Manufacture/Distribution of Athletic Equipment, Amusement Rides & Mechanical Devices, Events with Armed Private Security, Exotic Animals, Fire Arms, Motorized Sporting Events, Abuse and Molestation, Employment Related Practices, Violation of Telephone Consumer Protection Act or CAN-SPAM Act, Unscheduled Activities & Events, Non-Professional Electrical Services, Injury to Performers.
Standard Exclusions Also Apply