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High School Athletic Associations Insurance Program
High school athletic associations set standards for safety, competition and fairness across scholastic sports. American Specialty Insurance & Risk Services offers a tailored insurance program for these organizations — combining admitted capacity, program-specific forms, and underwriting expertise to help agents place complex scholastic-athletics risks.
Ideal Accounts and Eligible Operations
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.
Coverage Highlights and Advantages
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.
Program Coverages
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
Underwriting Notes and Minimum Premiums
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
Territories and Availability
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.
Why Work With American Specialty Insurance & Risk Services
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.
Frequently Asked Questions
What types of accounts are a good fit for this program?State high school athletic associations, event organizers, facilities that host scholastic sports, and school districts running tournaments are ideal candidates.
Is this program available in all states?Yes — American Specialty offers this program on an admitted basis in all 50 states and the District of Columbia.
What coverages can I package for an association?Common packages include general liability, participant accident medical, sexual abuse/molestation, property, crime, auto, excess/umbrella, and liquor liability for events.
Does American Specialty handle claims and endorsements in-house?Yes — underwriting, claims, and policy administration are managed in-house to provide faster, consistent service throughout the policy term.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/amerspec/FASTCOVcom/
With FASTCOV.com, powered by American Specialty Insurance & Risk Services, independent agents can quickly secure insurance coverage for short-term special events, sports, and recreation activities. This easy-to-use online platform allows you to quote, bind, and issue coverage in just minutes—perfect for time-sensitive risks and clients who need fast, efficient solutions.
FastCov.com Programs
Short-Term Special Events
Vendors & Exhibitors
Teams & Leagues
Camps & Clinics
Sports Tournaments & Events
Youth Baseball
Gymnastics Facilities
Baseball Training Facilities
FastCov.com Offers
General Liability, Accident Medical, and Inland Marine Insurance
"A" Rated Carriers and Admitted Coverage
Instant Quotes
24/7 Online Convenience
Easy Purchase Process
Affordable, Quality Insurance Options
Certificates Available in Minutes
No Charge for Certificates
FASTCOV.com coverage is made available through
The American Specialty Sports & Entertainment Purchasing Group
, administered by American Specialty Insurance & Risk Services, Inc.—a trusted name in insurance, risk management, and claims services for the sports and entertainment sectors.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for short-term sports and recreational events, including youth sports teams, leagues, camps, clinics, tournaments, vendor booths, and training facilities.
Can I get a quote and bind coverage instantly?Yes, the FASTCOV.com platform allows agents to quote, bind, and issue certificates online in just minutes, 24/7.
Is the coverage admitted and backed by rated carriers?Yes, coverage is admitted in all available states and written through "A" rated carriers to ensure financial strength and compliance.
Are there any minimum premium requirements?Minimum premiums vary depending on the type and duration of the event or activity. The platform is designed to accommodate a broad range of budgets.
In which states is this program available?This program is available in all 50 states and Washington, DC, making it accessible to agents nationwide.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/amerspec/gymnastics-facilities-program/
The FastCov Gymnastics Facility Insurance Program, administered by American Specialty Insurance & Risk Services, is tailored for gymnastics facilities and similar operations that offer active youth programming. This specialty insurance solution is designed for agents and brokers looking to place coverage for clients operating gymnastics training centers, tumbling programs, cheerleading classes, and other related indoor physical activities.
Ideal Accounts and Program Appetite
This program is ideal for businesses that combine gymnastics instruction with other low-impact or non-contact activities. Eligible facilities may offer:
Recreational and competitive gymnastics
Tumbling and "Mommy and Me" programs
Cheerleading and dance (when combined with gymnastics)
Martial arts without weapons or full-contact
Aerobics or exercise classes (excluding weightlifting)
Birthday parties, day camps, and competitions
Use of trampolines (with safety rules) and inflatables (with guidelines)
For example, you might have a client who operates a regional gymnastics gym that offers summer day camps, weekend birthday parties, and beginner martial arts classes. This program would be a strong fit for securing the full range of liability and property protection they need.
Coverage Highlights and Advantages
FastCov's program offers broad protection and flexible options, including:
General Liability, Accident Medical, and Inland Marine coverage
Optional Abuse/Molestation and Non-Owned & Hired Auto Liability
Coverage provided through "A" rated, admitted carriers
Instant online quotes and 24/7 accessibility
Easy online purchase process
Certificates of insurance issued within minutes—at no extra charge
Ineligible Risks
This program excludes certain higher-risk exposures or operations not aligned with gymnastics-focused facilities. Ineligible activities include:
Climbing or traverse walls
Swimming pools, zip lines, or trapezes
Overnight camps or competitions
Licensed daycare services
Mobile-only programs (like tumblebuses) without a leased or owned facility
Standalone cheerleading or martial arts facilities without gymnastics
Martial arts with full-contact training or use of weapons
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the size, scope, and exposure of the operation. Underwriting is handled by American Specialty Insurance & Risk Services, a Managing General Underwriter with deep experience in sports and entertainment risks. Submissions with clear activity descriptions and safety protocols (especially regarding trampolines and inflatables) are more likely to qualify.
Territories and Availability
This program is available in all 50 states and Washington, DC, including high-population and high-risk areas such as CA, TX, FL, NY, and IL. Admitted coverage is available across all eligible territories.
Why Work With American Specialty
American Specialty Insurance & Risk Services is a recognized leader in the sports and entertainment insurance space. Through FastCov, they deliver a streamlined experience for agents—offering instant quotes, competitive pricing, and access to quality carriers. Whether you're helping a small-town gym expand into birthday party services or insuring a multi-location gymnastics training center, this program gives you the tools to protect your clients effectively and efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?Gymnastics facilities that offer training, tumbling, cheerleading (with gymnastics), and non-contact martial arts are ideal. Facilities that also host birthday parties and day camps are eligible.
What types of accounts are not eligible?Standalone cheer or martial arts gyms without gymnastics, operations with overnight camps, full-contact martial arts, or mobile-only programs are not eligible for this program.
What coverages are included in the program?The program includes General Liability, Accident Medical, and Inland Marine. Optional coverages like Abuse/Molestation and Non-Owned Auto Liability are also available.
Is this coverage admitted in all states?Yes, the program offers admitted coverage in all available states using "A" rated carriers.
How quickly can I get a quote and certificate?Agents can obtain instant quotes online, and certificates of insurance are typically available within minutes at no additional cost.
Need help placing an account? Connect with a market specialist.
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