General Liability

Every business, sports and fitness organization needs general liability insurance to cover themselves from slips and falls to third party injuries. We can help.

Information Guide

Commercial General Liability (CGL) insurance is perhaps the most important insurance policy carried by sports & recreation organizations because it covers losses arising from the most common mishaps – spectator injury and participant injury – and that allege negligence on the part of the sports or recreational organization. CGL insurance also covers claims and losses arising from allegations of personal injury and advertising injury. The policy provides an attorney for legal defense and will pay up to the policy limits in the event of a settlement or adverse jury verdict.

Claims that implicate CGL insurance can be both frequent and severe. Frequent claims include premises related injuries due to lack of routine maintenance and trips/slips/falls. More serious claims include player injuries resulting in death or disability. CGL insurance covers the insured for sums the insured becomes legally obligated to pay as damages because of Bodily Injury or Property Damage sustained by spectators, as long as the Bodily Injury or Property Damage occurs during the Policy Period and in the Coverage Territory. This coverage is subject to the terms, conditions, exclusions and limitations set forth in the policy itself, which should be read in its entirety. The policy also covers the insured for sums the insured becomes legally obligated to pay as damages because of Bodily Injury or Property Damage sustained by participants.

Limits of Liability:

  • Bodily Injury and Property Damage: $1,000,000 per occurrence; $3,000,000 in the aggregate
  • Personal and Advertising Injury: $1,000,000 per occurrence and in the aggregate
  • Products/Complete Operations: $1,000,000 per occurrence and in the aggregate
  • Participant Legal Liability: $1,000,000 per occurrence and in the aggregate
  • Damage to Premises Rented to You: $300,000 per occurrence and in the aggregate
  • This policy is subject to certain exclusions, a partial list of which includes:
  • EXCLUSION – VIOLATION OF STATUTES
  • EXCLUSION – SELECTED ACTIVITIES (Page 38)
  • FIREWORKS EXCLUSION
  • ASSAULT AND BATTERY EXCLUSION
  • NUCLEAR ENERGY LIABILITY EXCLUSION
  • EMPLOYMENT – RELATED PRACTICES EXCLUSION
  • PROFESSIONAL LIABILITY EXCLUSION ENDORSEMENT
  • ABUSE OR MOLESTATION EXCLUSION
  • TOTAL LEAD EXCLUSION
  • SECURITIES AND FINANCIAL INTEREST EXCLUSION
  • PERSONAL AND ADVERTISING INJURY EXCLUSION
  • STUNT EXCLUSION
  • EXCLUSION - COVERAGE C - MEDICAL PAYMENTS
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