Sports Clinic Insurance

Sports Clinic Insurance — Colonial General Insurance Agency, Inc.

Overview of the Program From Colonial General

Colonial General Insurance Agency offers a Sports Clinic Insurance program designed for agents placing amateur sports programs, clinics, camps and leagues. This program combines property and liability coverages on a mono-line or packaged basis, and is built specifically for non-contact and limited-contact activities such as archery, baseball, basketball, bowling, cheerleading, golf, flag football, soccer, softball, tennis and volleyball. Colonial General places business in admitted and excess & surplus markets depending on the account — some admitted markets are available.

Ideal Accounts and Appetite

• Youth and community sports clinics, weekend skills camps, and seasonal leagues for amateur players.
• Organizations that operate out of community centers, school gyms (when allowed), municipal parks, private clubs, or rented facilities.
• Programs with organized supervision, written participant waivers, and basic risk controls (background checks for instructors, safety protocols).

Not intended for professional teams, high-risk contact sports without additional underwriting, or programs with significant alcohol sales, unlicensed instructors, or persistent prior claim activity. If an account presents unique exposures, Colonial General underwriting can evaluate on a case-by-case basis.

Coverage Highlights and Advantages

Key liability and property features agents can offer insureds through this program:

• Commercial General Liability — primary limits available up to $3,000,000 occurrence and aggregate.
• Excess/Umbrella capacity — limits up to $25,000,000 where needed.
• Included coverages: Additional Interests, Medical Payments ($5,000), Limited Participant Liability ($25,000 per occurrence / $50,000 aggregate), and Sexual & Physical Abuse coverage ($25,000 per claim / $50,000 aggregate).
• No deductible required on the liability piece in many placements.
• Property options — Accounts Receivable, Building, Contents, Business Income, Equipment Breakdown, Food Spoilage, with Basic, Broad, or Special forms available and choice of Replacement Cost or Actual Cash Value valuation.
• Crime coverages — inside theft of money and securities, robbery/safe burglary, and outside the premises theft available where applicable.

Underwriting Notes

To quote quickly, underwriters typically request:

• Applicant details: operations description, annual revenue, and number of participants per event.
• Safety and risk control information: staff-to-participant ratios, instructor qualifications, use of waivers, background checks, and facility supervision.
• Loss history for the past 3–5 years and any prior abuse/sexual misconduct claims.
• Details on property values, rented locations, concessions or vendors on site, and whether activities include hazardous equipment or high-contact play.

Colonial General underwriters can provide guidance on acceptable controls to improve terms. Minimum premiums vary by market and are quoted per account; discuss specifics with underwriting at placement.

Territories and Availability

This program is available across select western states: AZ, CA, CO, ID, NV, NM, UT and WY. Coverage may be placed admitted where markets allow; otherwise business is written through excess & surplus lines or non-admitted carriers. Carriers and exact terms vary by state and account characteristics.

Why Work With Colonial General on Sports Clinic Business

• MGA and E&S broking capability gives agents access to multiple markets and flexible packaging for liability and property risks.
• Program includes participant and abuse cover options that many standard markets limit or exclude, making it practical for youth and community organizers.
• Responsive underwriting for western state accounts and experience placing small- to mid-sized clinics and seasonal camps.
• Ability to place limits up to $3M primary and large umbrella capacity when needed.

Example Accounts

Two typical placements:

• A nonprofit summer soccer clinic that runs weekly sessions for ages 6–12, uses a municipal field, requires participant waivers and seeks $1M/$2M limits plus property coverage for rented equipment.
• A weekend multi-sport skills camp held in a private gym offering baseball, basketball and tennis instruction, with paid instructors and on-site concessions — needing both liability and contents coverage.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.