Most people endure a lot of major and minor injuries during adolescence. However, these injuries are more frequent and severe for those partaking in sports. Millions of young athletes suffer from injuries of varying severity every year. Footballers endure nearly 32% of these injuries. Receiving treatment for these injuries is pretty expensive without a good insurance plan. Therefore, you need to insure your young ones with the Youth Sports Insurance program. This program covers all costs if your child receives an injury on the field.
Do You Need Youth Sports Insurance?
Children under 19 are eligible to take the Youth Sports Insurance. Even if your child only volunteers for the sports team, enlisting in the insurance program is better.
Sports players, team members, and volunteers may suffer from sport-related injuries because of the unpredictability of the playing field. It is possible to fall, trip, or get hit with a ball even if you are not one of the leading players. Thus, you are still eligible to make a claim and receive compensation.
It is vital to insure yourself or your underage child with Youth Sports Insurance as it provides a financial safety net in emergencies.
How Does Youth Sports Insurance Help?
Youth Sports Insurance helps by financially protecting your children after a sport-related incident and ensures that they can avail all opportunities to participate in sports. The youth insurance plan covers every medical care cost plus surgery for the injuries caused by a sports accident.
This way, you can afford the best medical care for your children and ensure their injuries receive proper treatment.
Types Of Youth Sports Insurance
As a responsible parent, you need to purchase at least four types of Youth Sports Insurance policies. You are covered for minor and significant injuries with each kind of insurance plan registration. Those sports insurance types are as follows:
Accident insurance pays the medical treatment bills on behalf of the injured participant. This policy is applicable for sports players and volunteers for every medical treatment type, covering the portion of the expense not taken care of by your health insurance. One important thing to remember is that accident sports insurance never covers the whole medical bill. It only pays for a portion, and you can easily avail of that without filing a lawsuit.
General Liability Insurance
You can claim general liability insurance if you have received an injury due to the negligence of the sports program trainer or management. If the sports trainer is not diligent and a child gets hurt, the parent can pursue a lawsuit against the whole sports organization. According to this policy, a defense attorney has to pay for settlement costs or pursue the case for an adverse jury verdict.
This lawsuit is filed against:
- Youth sports program provider/organizer;
- Sports program director;
- Sports program’s officers;
- Sports program’s employees and trainers; and/or
- Sports program’s volunteers.
In addition to personal injuries, you can also file a lawsuit and claim for property damage such as window damage, car windshield breakage, or any damage caused by foul balls.
Directors and Officers Liability Insurance (D&O)
Directors and Officers Liability Insurance is applicable for specific types of lawsuits not covered by the general liability insurance plan. You can file a claim for this insurance if the youth sports organization’s mismanagement has caused an economic injury to you or your related party. Moreover, if the sports organization is responsible for violating your rights dictated by state, federal, or constitutional law, you can file a lawsuit and make an insurance claim. The cases you can press charges on are as follows:
- Gender or racial discrimination;
- Violation of the Americans with Disabilities Act;
- Unjustified player termination or suspension; and
- Failure of following the youth sport organization rules.
The other party must pay a set settlement cost if you win the filed dispute. However, you have to foot the attorney’s bill whether the case’s result is in your favor or not.
Equipment insurance protects the financial cost of equipment replacement. If you lose your sports equipment under certain circumstances, then the youth sports insurance pays you the amount to replace it. This includes theft of:
- Playing equipment
- Concession equipment
This insurance claim is also eligible in case of natural disasters such as thunderstorms, rain, strong winds, wildfire, and arson. Additionally, you can insure the shed, van, or portable warehouse used for sports equipment storage. But if you are using a rented vehicle, you need additional coverage.
Insure Everything With The Youth Sports Insurance Program
An insurance policy is vital for players, trainers, and sports program organizers. It can save you a lot of financial distress after a sports-related accident. Connect with an excellent insurance company if you are unsure which insurance policy covers every aspect of your young one’s health while playing sports. Our qualified insurance officers will guide you to make the best decision for you and your children.