Coverage Options
Student Athlete Insurance
Every policy athletes, families, and programs need — in one place, from specialists who know sports.
Accident & Medical Insurance
Accident & medical insurance pays the medical costs of a sports injury — from the ER visit to surgery and rehab — filling the gaps a family health plan leaves behind with high deductibles and out-of-network bills.
Catastrophic Injury Insurance
Catastrophic injury insurance responds to the rare but devastating injury — a spinal cord injury, traumatic brain injury, or paralysis — providing high-limit benefits for lifetime medical care, rehabilitation, and lost future earnings.
Disability & Loss-of-Value Insurance
Permanent total disability and loss-of-value (LOV) insurance protect an elite athlete's projected professional earnings — paying a benefit if a career-ending injury occurs, or if an injury drops their draft position and contract value.
Participant Accident Insurance
Participant accident insurance provides blanket medical benefits to every registered athlete in a team, league, or program who is injured during covered activities — paid on a no-fault basis, regardless of who was responsible.
Sports Camp & Clinic Insurance
Sports camp & clinic insurance bundles participant accident and general liability for the operators of camps, clinics, showcases, and tournaments — covering both the athletes' injuries and the organizer's liability.
General Liability Insurance
General liability is the foundation of coverage for any organized sports program. It protects clubs, teams, and programs against third-party claims of bodily injury or property damage arising from their operations and events.
Sports Program Liability Insurance
Sports program liability extends beyond general liability to cover the full operating exposure of a club or program — including coverage for coaches and directors, abuse & molestation, and management liability.
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