|It’s always a good idea to purchase Sports Insurance for a brokerage or agent that Specializes in Sports Insurance. Insurance in general is a huge industry. Everyone needs insurance be it for your car, house, life, etc. Not one agency can specialize in all insurance fields. In fact, a professional insurance agent can only specialize in a few niches and really understand them. If someone specializes in insuring homes, auto, and retail stores, it doesn’t mean that they necessarily know enough about sports leagues. The sports insurance industry is so secretive and hard to access that only a sports insurance specialist will know where to go in order to satisfy the specific needs of a particular league, team, camp, clinic or club. This specialized knowledge results in knowing which program or insurance company is offering the most competitive rates for any particular type of insurance need. This knowledge can result in large savings.|
You can always ask your agent what would be the difference in premium if you were to raise/decrease your deductible On the Accident medical portion of your policy. Your “deductible” is the amount that you pay out of pocket when you report and file a claim before your insurance covers the loss. For example, if you had a $10,000 claim and a $100 deductible, you pay the first $100 and your insurance company pays the next $9,000. The disadvantage of raising your deductible is that when you do have a claim you will pay more. The advantage of raising your deductible is that your policy premium will be lower.
For all Sport Team, League, Association, Club and Clinic needs o2 can insure you. We offer customized insurance policies for short-term or annual insurance policies depending on your specific needs.