General Liability Insurance covers lawsuits alleging that a spectator or player suffered bodily injury or property damage due to league negligence. This policy provides you with a defense attorney and pays for costs of settlement or adverse jury verdict. The policy should cover the sports organization and its directors, officers, and volunteers. Lawsuits are filed every day for injuries that occur at games/practices and during off-premises non-sport activities. Even if you prove that you were not negligent, your attorney’s fees must be paid, and those fees can easily run upwards of $50,000.