https://completemarkets.com/company/kandkinsurance/college-athletic-catastrophic-accident-medical-insurance1/
https://completemarkets.com/company/kandkinsurance/Short-Term-Special-Event-Insurance/
https://completemarkets.com/company/Amwinsunderwriting/Sports-Recreation/
Special Markets Insurance Consultants (SMIC), part of the Amwins Underwriting division, offers a focused Sports & Recreation insurance program designed for agents who place community sports, fitness franchises and event operators. SMIC can craft policies that protect participants, organizers and venues — from seasonal youth leagues to year-round associations — using admitted and non-admitted capacity with several "A"-rated carriers.
Overview of the Program from Amwins Underwriting
The Sports & Recreation program provides broad, modular coverage options tailored to the unique exposures of recreational activities. Coverage can include participant accident protection, general liability, catastrophic accident limits, commercial auto, special event liability and cyber liability. The program is underwritten by SMIC and is intended to be flexible so you can assemble the combination of coverages your client needs.
Ideal Accounts and Appetite
Youth and adult recreational teams and leagues (community and club play)
Youth and non-sports day camps and activity programs
Fitness and studio franchises, including barre, yoga and pilates locations
Sports associations and governing bodies
Tournaments, seasonal events and one-off special events with participant exposure
Typical accounts have organized programming, written safety procedures and structured participant registration. Accounts with professional, collegiate varsity teams, high-risk extreme sports, or venues with uncontrolled alcohol service may require additional underwriting review or be out of appetite.
Coverage Highlights and Advantages
Participant Accident: coverage for accidental injuries to participants during covered activities.
General Liability: protection for third-party bodily injury and property damage at facilities and events.
Catastrophic Accident: higher limits to respond to severe injury scenarios.
Commercial Auto: available for fleets or vehicles used to transport participants or equipment.
Special Event Liability: short-term insurance for tournaments, festivals and individual events.
Cyber Liability: options to address data breach risks from online registrations and payment systems.
SMIC’s relationships with admitted and non-admitted markets give you expanded placement options for accounts that need creative terms or higher limits.
Underwriting Notes and Minimum Premiums
SMIC evaluates accounts based on participants’ ages, activities, supervisory ratios, facility conditions, claims history and risk-management practices. Common submission items include a completed application, current loss runs, participant rosters or expected participation counts, description of safety procedures and event schedules.
Minimum premium: as low as $200, depending on coverages and state placement. Because the program works with admitted and non-admitted carriers, state availability and policy form options may vary by risk.
Territories and Availability
SMIC places Sports & Recreation business nationally. The program is available in:
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, DC, WV, WI, WY.
Why Work With SMIC (Amwins Underwriting)
Niche underwriting expertise for sports and recreation exposures — streamlined submissions and targeted questions that speed placement.
Access to multiple "A"-rated admitted and non-admitted carriers for flexibility on terms and limits.
Low minimum premium thresholds to serve small leagues, start-up franchises and seasonal events.
Practical risk-management focus — underwriters consider safety programs and documentation when evaluating pricing and terms.
To learn more about this program and how it can support your clients, please visit our website.
Example scenarios
You have a community youth soccer league seeking general liability plus participant accident coverage for an 8-week season — minimum premium placement and tournament coverage options make this program a fit.
Your client operates a multi-location barre and yoga franchise that needs general liability, professional liability considerations and cyber coverage for online registrations — SMIC can evaluate franchise operations and structure a package.
Frequently Asked Questions
What types of Sports & Recreation accounts are a good fit for this program?The program is best for organized youth and adult leagues, fitness and studio franchises, sports associations, tournaments and non-sports camps that have formal registration, supervision and basic safety protocols. SMIC can also consider special events and short-term tournament coverage.
Are policies available on admitted paper?Yes. SMIC works with both admitted and non-admitted "A"-rated carriers. Availability of admitted paper depends on the state and the specific risk profile.
What are the typical submission requirements?Provide a completed application, expected participant counts or rosters, a description of safety procedures and event schedules, and recent loss runs when available. Additional items may be requested based on the activity and exposure.
Is the program available nationwide?The program is available across the states listed above. State-specific forms and offerings vary, so placement options will be confirmed at submission.
What is the minimum premium?Minimum premium is as low as $200, depending on the coverages selected and the state of placement.
Need help placing an account? Connect with a market specialist.