High School Athletic Associations Insurance

This program is designed specifically for organizations and events governed by high school athletic associations. Eligible operations include:

• State Athletic Associations
• Fundraising Events
• Regional and Statewide Tournaments
• Scholastic Competitions
• School Clubs and Intramural Sports
• All-Star Games
• Special Events and Banquets
• Coaches and Officials Activities
• Owned or Managed Stadiums and Arenas

Whether your client is managing a state-level organization or hosting a seasonal tournament, this program is built to address the unique exposures they face.

American Specialty provides access to a robust suite of coverages through a carrier rated “Excellent” or higher by A.M. Best. Key program features include:

• Admitted Coverage in All Available States
• Program-Specific Forms and Rates
• Non-Auditable Policies
• 24-Hour Claims Service
• Dedicated In-House Underwriting and Claims Teams
• Risk Management Support and Online Tools

This program offers the flexibility and depth of protection your athletic association clients need to operate with confidence and continuity.

Coverage options available through this program include:

• General Liability
• Participant Legal Liability
• Volunteers as Additional Insureds
• Sexual Abuse and Molestation
• Excess/Umbrella Liability
• Liquor Liability
• Automobile Liability
• Property Coverage
• Crime Coverage
• Employee Benefits Liability
• Participant Accident Medical
• Catastrophic Medical
• Workers’ Compensation
• Deductible/SIR Options

Minimum premiums vary depending on the size and scope of the insured's operations. The program is underwritten in-house, allowing for fast turnaround and expert decision-making. Agents can expect collaborative underwriting support to help place both straightforward and complex risks.

This program is available on an admitted basis in all 50 states and the District of Columbia, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.

As a Managing General Underwriter with deep expertise in sports and recreation risks, American Specialty delivers tailored coverage solutions backed by exceptional service. Their in-house underwriting, claims, risk management, and policy administration teams ensure consistent, responsive support from submission to renewal.

If you have a client that oversees multiple interscholastic tournaments or owns a facility used for high school events, this program offers the specialized protection and flexibility they need.