Ideal Accounts and Appetite
- Adult and youth amateur tournaments and showcases, including college recruit/showcases and all-star/bowl events (including practices).
- Promoters, nonprofit organizers, community recreation departments, and private clubs running one-off or scheduled series of events.
- Events with participant counts up to 2,500 and daily spectator counts up to 7,500 (see underwriting limits below).
Coverage Highlights and Advantages
- Primary general liability for event operations covering bodily injury and property damage claims arising from covered activities.
- Coverage extends to employees and volunteers named on the policy for the conduct of the event.
- Short-term single-event policies and annual programs for promoters with multiple approved tournaments.
- Ability to include standard ancillary activities for event participants without a separate admission charge.
- Placement through Sadler & Company gives agents access to multiple carrier options—admitted and non-admitted—depending on the state and account characteristics.
Sport Classifications and Restrictions
Eligible events are grouped by sport classification. Typical eligible sports include (by class):
Class 1. Bowling, Dance, Golf, Tennis, Volleyball, Walking
Class 2. Baseball, Cross Country Skiing, Kickball, Softball
Class 3. Basketball, Cheerleading (age 19 & under), Flag or Touch Football, Lacrosse (age 19 & under), On-shore fishing, Racquetball, Running events (5K, 10K, half marathons), Soccer (age 19 & under), Swimming, Tackle Football (age 19 & under), Wrestling (age 19 & under)
Class 4. Cheerleading (age 20 & over), Diving, Dodgeball, Gymnastics, Ice Hockey, In-line Hockey or Skating, Martial Arts, Soccer (age 20 & over)
Underwriting Notes and Minimums
- Events must meet all program criteria to be eligible. Maximums: 2,500 participants per event; 7,500 spectators per day; event timeframe (including practice days) must not exceed 14 days (setup/tear down excluded).
- Certain exposures are excluded from this policy, including abuse/molestation, amusement devices (inflatables, rides, climbing walls, dunk tanks), ancillary activities that require a separate public admission charge, fireworks, and haunted attractions.
- Carriers and specific terms vary by state and account characteristics. Minimum premium and program availability are subject to underwriting and vary by market.
Territories and Availability
This program is available through Sadler & Company in many states. Available states include: 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, WY. Market availability and admitted vs. non-admitted options vary by state and carrier.
Why Place This Business with Sadler & Company
- Managing General Agency with focused expertise in sports and recreational event liability placement.
- Access to multiple carriers and flexible short-term and annual program structures for promoters and event organizers.
- Responsive underwriting for common tournament exposures and streamlined submission process for qualified events.
Example Accounts You Might Place
- A community recreation department running a weekend youth soccer showcase (participants under age 19) seeking a one-time liability policy for the event and associated participant-only awards banquet.
- A private tournament promoter producing a series of approved adult softball tournaments across several states who needs an annual program to cover multiple scheduled events.
If an event does not meet the program criteria, contact Sadler & Company at 1-800-622-7370 to discuss alternate placement options or broader solutions.
Frequently Asked Questions
What types of events are a good fit for this Sadler & Company program?
Single amateur tournaments, college showcases, all-star games and multi-event promoters that meet the program limits (up to 2,500 participants, 7,500 spectators per day, and event duration of 14 days or less including practices).
Can tournaments with ancillary activities be covered?
Yes—ancillary activities such as awards ceremonies, banquets and concerts that are only for tournament participants are typically eligible. Activities that charge separate public admission usually require a separate policy and are excluded from this program.
Are all sports accepted?
Accepted sports are grouped by class (Class 1–4). Higher-risk activities or events with excluded exposures (e.g., amusement devices, fireworks, haunted attractions, abuse/molestation risks) are not eligible.
What states and market types are available?
Sadler & Company places this program in many states (listed above). Some available markets are admitted; others are non-admitted—carrier availability and admitted status vary by state and account.
How do I submit an application or get a quote?
Prepare event details (sport class, participant and spectator counts, event dates, location, and any ancillary activities) and contact Sadler & Company for submission instructions and carrier options. Minimum premium and terms vary by market and underwriting.
Need help placing an account? Connect with a market specialist.