High School Athletic Associations Insurance

This program is written for organizations and events governed by high school athletic associations. Typical, eligible operations include:

• State and regional athletic associations
• Seasonal and statewide tournaments
• Fundraisers, banquets and all-star games
• Scholastic competitions and intramural programs
• School clubs and coach/official activities
• Owned or managed stadiums, arenas, and event venues

If you represent a state association, an event organizer, or a school district that runs multi-day tournaments, this program is designed to match those exposures.

American Specialty provides access to admitted coverage in all available states through carriers rated “Excellent” or higher by A.M. Best. Core program advantages for agents include:

• Admitted coverage in all 50 states + DC — simplifies placement and compliance
• Program-specific forms and rating built for scholastic athletics
• Non-auditable policy options for easier administration
• 24-hour claims service and dedicated, in-house claims team
• Underwriting and risk management support targeted to sports exposures
• Optional coverages to match common exposures (see list below)

These features help reduce friction at bind and renewal, and provide consistent handling for seasonally heavy exposures.

Available coverages and extensions include:

• General Liability
• Participant Legal Liability
• Volunteers named as Additional Insureds
• Sexual Abuse and Molestation
• Excess / Umbrella Liability
• Liquor Liability for events and fundraisers
• Automobile Liability
• Property and Inland Marine for owned/leased venues
• Crime Coverage
• Employee Benefits Liability
• Participant Accident Medical and Catastrophic Medical
• Workers’ Compensation (where available)
• Deductible / SIR options to suit different risk tolerances

Programs are underwritten in-house by American Specialty’s sports and recreation team, enabling fast turnarounds and case-specific terms. Minimum premiums vary by account size, operations, and limits; discuss specifics with underwriting for accurate indications.

Common underwriting considerations include:

• Scope and frequency of events (single event vs. ongoing season)
• Venue ownership and maintenance practices
• Use of volunteers and officials, background screening procedures
• Medical and emergency response plans
• History of sexual abuse/molestation or participant claims

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 focused on sports and recreation, American Specialty combines deep underwriting expertise with in-house claims, risk management, and policy administration. That centralized service model helps agents place accounts faster and manage renewals more predictably.

You might use this program when:

• You have a state association that needs admitted GL and participant liability limits for a full season of events.
• One of your school district clients runs a regional tournament at an owned stadium and needs property, auto and liquor liability packaged together.

For complex schedules, multi-state tournaments, or associations that host high-exposure events, American Specialty offers tailored terms and collaborative underwriting to help close the business.