Professional Athletes

Professional athletes’ disabilities are distressing to the athlete involved and the financial well-being of his or her team. Coverage is available for the athlete as well as for the team. Coverage may be limited to only the team’s superstars or it may apply to all team members. The terms of the athlete’s contract determine what coverage, if any, is available … Read More

Recreational Clubs Liability

There are as many different types of recreational clubs as there are recreational activities. However, nearly every one involves some element of danger to club members or the general public even when all safety precautions are taken. Common prospects for this coverage include archery clubs, gun, trap, and skeet clubs, hunting and fishing clubs, swim clubs, and skydiving clubs. While … Read More

Sports Camps

Sports camps are popular places for young boys and girls to go to learn basic and advanced skills of tennis, baseball, basketball, football, soccer, and other individual or team sports. Liability coverage, including abuse and molestation, is an important coverage for the camp director and staff. Accidental death and dismemberment and accident medical expense coverage is often considered mandatory for … Read More

Hunting and Fishing Clubs

These clubs own land or lakes stocked with wildlife or game fish. Their facilities are developed and controlled for the exclusive use of members and their guests. Coverage applies to the club’s liability. Underwriters usually evaluate the total acreage, whether it is fenced and posted or not, proximity to traveled roads, whether it is a private club or one owned … Read More

Shooting Range Liability (Trap and Skeet)

Liability insurance is available for trap, clay pigeon, and related target ranges. Programs are available for public ranges and for private operations that are open to members and member’s guests only. Underwriters require detailed information about the layout of the range and distances from roads or other public areas.

Exercise and Physical Fitness Centers

Thousands of men and women spend large sums of money for physical fitness and exercise programs. There are multiple business models. Some facilities offer only very basic services. Others are complex facilities similar to recreational sports clubs and offer additional features such as tanning booths and racquetball and handball courts, in addition to traditional exercise rooms. In most cases, larger … Read More

Fraternal Organizations

Nonprofit fraternal organizations and civic clubs may be insured for their property, liability, and D&O exposures. Examples are the American Legion, Veterans of Foreign Wars, Knights of Columbus, Elks, Moose, and Kiwanis. Employment-related practices liability and liquor liability are optional coverages that also are available.

Country Club Insurance (Private)

Property coverage on private golf and country clubs can be difficult to place because they are located far from public water supplies and paid fire protection. The structures are often frame or joisted masonry construction and have significant values. Special coverage on certain property such as golfmobiles, golf course greens, and coverage for members’ property in lockers is often available … Read More

Campground Owners Liability

Campgrounds that provide overnight camping space and ancillary facilities such as restrooms, showers, and utility hookups for individuals and families are eligible. Most guests sleep in their own tents, campers, or recreational vehicles. However, a campground owner may provide a limited number of overnight rental units. Liability coverage available to private campground owners insures against claims that allege negligence due … Read More