liability insurance

Why Purchase Liability Insurance?



Why Purchase Liability Insurance?
No matter how careful you are, accidents happen! You can be sued by anyone who claims injury or damages resulting from your activities. You may not be liable, but you will need to be defended in court. A liability policy will pay for you defense as well as any costs awarded against you. Liability insurance gives you peace of mind, allowing you to focus on your sport program.

Who is Insured?
All members of your organization, including executives, managers, coaches, trainers, officials, employees and volunteers while acting within the scope of their duties the behalf of the organization.

Activities Covered
Sanctioned or authorized events within your sport discipline, events and activities must be reported to o2 for them to be considered “insured”.

Claim Service
Claims will be handled within 48 hours of the accident, o2’s staff is available to help you with our claim needs 24/7.

Summary of program
The policy will pay those sums that the insured becomes legally obligated to pay as compensatory damages due to bodily injury or damage to 3rd party premises. This includes but not limited to spectators, passers-by, property owners. Coverage includes legal liability for injury to participants.

Summary of coverage
Limit – $1,000,000 up to $6,000,000

Including the following extensions:

  • Premises, Property and Operations
  • Products and Completed Operations
  • Blanket Contractual
  • Personal Injury (libel and slander)
  • Employees as Additional Insured
  • Cross Liability
  • Non-Owned Automobile (in most cases)
  • Tenants Legal Liability

A deductible applies to bodily injury, property damage and legal expenses. (Varies per applicant)

Directors and Officers Insurance
Directors and officers may be sued for actual or alleged errors or omissions while performing their duties as officials of the organization. D&O insurance will pay those sums of the organization, directors and officers as they may become legally obligated to pay as compensatory damages due to a wrongful act.

Limit $1,000,000 up to $6,000,000,

Deductible $ – Varies per applicant


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