Professional Sports Teams and Leagues Insurance Program
American Specialty Insurance & Risk Services offers a comprehensive insurance program tailored for professional sports teams, leagues, and related operations. With decades of experience in the sports and recreation insurance industry, our team understands the unique risks and exposures that come with managing athletes, hosting events, and operating stadiums.
Whether you're working with a professional baseball team, a cycling league, or a multi-sport stadium, our program provides the specialized coverages needed to protect your clients and ensure operational continuity.
Ideal Accounts and Eligible Operations
This program is designed for a wide range of professional sports organizations and venues, including but not limited to:
- Baseball (including AAA/AA/A clubs)
- Football
- Basketball
- Soccer
- Hockey
- Lacrosse
- Cycling
- Special Events associated with professional sports
- Stadiums and Arenas
If you have clients managing large venues or operating professional-level teams, this program offers the flexibility and depth of coverage to meet their needs.
Coverage Highlights and Advantages
American Specialty’s program is underwritten by an A.M. Best “Excellent” or higher rated carrier and features a suite of insurance options tailored to the risks of professional sports. Key highlights include:
- General Liability and Participant Legal Liability
- Excess/Umbrella Coverage
- Liquor Liability, Property, and Automobile
- Contingent Fireworks and Crime
- Employee Benefits Liability
- Participant Accident Medical and Catastrophic Medical
- Deductible and Self-Insured Retention (SIR) Options
Additional value-added services include:
- In-house underwriting, claims, risk management, and policy administration
- Program-specific forms and rates
- Non-auditable policies
- 24-hour claims service and online tools
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the size and scope of the operation. Our underwriting team evaluates each risk individually and provides tailored terms based on exposure, operations, and claims history. Accounts with strong risk management practices and established operations are ideal candidates.
Territories and Availability
This program is available in all 50 states plus Washington, D.C. Coverage is offered on an admitted basis where applicable. Whether your client is based in California, Texas, New York, or anywhere in between, we can help you build the right insurance solution.
Why Work With American Specialty?
American Specialty is a recognized leader in sports, leisure, and entertainment insurance. As a Managing General Underwriter, we offer in-house expertise and direct access to customized solutions that help agents and brokers place complex risks with speed and precision. Our team is committed to responsive service and reliable support throughout the lifecycle of the policy.
You might have a client who owns a minor-league baseball team with a full season of home games, or a professional soccer league hosting tournaments across multiple states. These are great examples of accounts we’re well-equipped to handle.
Let American Specialty be your go-to partner for professional sports insurance. Visit our program storefront to learn more or start a submission.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include professional sports teams and leagues, stadiums and arenas, AAA/AA/A baseball clubs, and special events affiliated with professional athletics.
Is this insurance program available in all states?
Yes, the program is available in all 50 states plus Washington, D.C., with admitted coverage provided where applicable.
Does the program offer coverage for participant injuries?
Yes, the program includes Participant Legal Liability, Participant Accident Medical, and Catastrophic Medical coverage options.
Are policies subject to audits?
No, policies written under this program are non-auditable, providing stability and predictability for your clients.
Who handles the claims and underwriting services?
All underwriting, claims, risk management, and policy administration are handled in-house by American Specialty’s experienced team.
Need help placing an account? Connect with a market specialist.