Amateur Sports Insurance Program from AI Risk
AI Risk offers a specialized Amateur Sports insurance program designed for organizations that manage, sponsor, or participate in organized amateur athletic activities. As a Managing General Agency and Carrier with access to AIG, AI Risk provides tailored coverage solutions to meet the unique exposures of amateur sports operations. This program is available in all 50 states and Washington, DC.
Ideal Accounts and Appetite
This program is ideal for a wide range of amateur sports-related organizations, including:
- Local and regional sports clubs
- Independent teams and leagues
- Sports event organizers and sponsors
- Athletic participants and officials
- Coaches and volunteer staff
Whether it’s a youth soccer league, an adult softball team, or a nonprofit sponsoring weekend tournaments, AI Risk can help you place these accounts with confidence. The program is designed to support both recreational and competitive amateur sports activities.
Coverage Highlights and Advantages
The Amateur Sports program offers comprehensive General Liability coverage on an ISO "occurrence" form. This includes protection for bodily injury, property damage, and personal injury arising out of sponsored activities such as:
- Practices, training sessions, and competitions
- Fundraising events and public promotions
- Concession operations and office exposures
Optional coverages are available to further enhance protection, including:
- Participant Accident Insurance
- Directors and Officers (D&O) Liability
- Sexual Molestation Coverage
This flexible program allows agents to tailor policies based on the specific risks of each insured organization.
Underwriting Notes and Minimum Premium
The minimum premium for General Liability coverage is $2,500. This includes Participants Legal Liability, Spectators Legal Liability, and the option to include Sexual Molestation coverage. AI Risk underwrites with a focus on well-organized and properly supervised amateur sports operations. Accounts with strong risk management practices and clearly defined roles for participants, coaches, and volunteers are preferred.
Territories and Availability
This program is available in all 50 states and Washington, DC. Whether your client is based in California, Texas, New York, or anywhere in between, AI Risk can support your placement needs with admitted solutions where applicable.
Why Work With AI Risk?
AI Risk brings deep expertise in underwriting amateur sports exposures. As both a Managing General Agency and Carrier, AI Risk offers competitive and customizable solutions backed by AIG’s financial strength. You’ll benefit from responsive service, underwriting support, and a partner that understands the unique risks involved in amateur athletic programs.
Example accounts that may be a good fit include a youth basketball league in Illinois that hosts seasonal tournaments, or a nonprofit organizing adult flag football games in Texas. If your client provides structured, supervised athletic activities, AI Risk’s program offers the protection they need—and the coverage options you want to offer.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for amateur sports teams, leagues, clubs, sponsors, and event organizers who provide structured and supervised athletic activities.
What coverages are included in the base policy?
The base policy includes General Liability on an occurrence form, covering bodily injury, property damage, and personal injury related to sponsored sports activities.
Are optional coverages available?
Yes, optional coverages include Participant Accident Insurance, Directors and Officers Liability, and Sexual Molestation coverage.
What is the minimum premium for this program?
The minimum premium for General Liability coverage is $2,500, which includes Participants Legal Liability and Spectators Legal Liability.
In which states is this program available?
This program is available in all 50 states and Washington, DC.
Need help placing an account? Connect with a market specialist.