September/October 2019 - 11

DOUBLE COVERAGE
A COACH AND TRAINER'S
GUIDE TO INSURING YOUR
CAMPS AND CLINICS
When high schools or school districts
host camps, clinics or tryouts, many
(if not all) are covered by the school or
district's designated insurance policies.
But when it comes to individual coaches
or trainers hosting any of these same
events, what types of liabilities could be
awaiting them?
Mark Beck, senior vice president
of K&K Insurance, a leading provider
of coverage for the sports, leisure,
recreation, entertainment and motorsports
industries since 1952, says despite some
of these activities taking place on school
grounds, the coaches or trainers can be
left liable should an injury to a player or
damage to property take place.
" The focus of what we do is coverage
for coaches or individuals who are going
to operate and manage or supervise
teams, leagues and associations that are
not affiliated with schools operationally, "
Beck said. " Everything the high school
athletic department does is
covered by the district - but
an individual needs to have
their own coverage. "
In hosting any sort of an
organizational event, such as
a training camps or team and league
activities, Beck says the most essential
and commonly requested insurance
coverage is general liability. But no two
insurance coverage plans are the same.
For these events, insurance options will
usually feature " subcategories, " in which
portions of the package are broken
down into specific itemizations to ensure
full coverage for that coach or trainer's
specific events.
" Not all packages are equal, " said Nick
Pentsos, the national sales director for
K&K Insurance. " Many misunderstand
that as an independent type of campus
or coach putting on a camp, there are
particular liability subcategories a lot of
companies don't specialize in. "
The difference in referencing a
player versus a participant in a claim,
for example, is one area coaches can
misunderstand their coverages.
Choose #105 online
" Some coverages may not separate
the two, " Pentsos added. " Some
coverages may only cover players and
not participants. A lot of times, these
coaches aren't aware that there can be a
separation between the two. "
One way to ensure that coaches and
administrators are properly insured in
the case of individual athletic events is
to simply have an open conversation
with your insurance provider themselves,
detailing the specifics of the events that
will take place.
By disclosing the details of
the event, specialty insurance
providers, such as K&K
Insurance, can help coaches
address specific concerns,
coverages and exposures when it comes
to the legal liability of participants and
players. In the event that an athlete is
injured, for example, the right insurance
policy would help ensure that medical
coverage would be in place to help take
care of a certain limit of medical injuries,
thus mitigating the possibility of a lawsuit
seeking damages.
" When they engage in a conversation
with their insurance provider, (coaches)
should disclose all that's happening -
meaning all activities, " Beck said. " That
way there's no misunderstanding from
the insurance company's standpoint as to
what is occurring. "
Making sure you understand your full
coverage options is essential in today's
age of sports and athletics. To learn more,
or to get in touch with an experienced
insurance provider in the sports industry,
visit kandkinsurance.com.
ADVERTISEMENT | © 2019 K&K Insurance
COACHAD.COM 11
Choose #106 online
With over 65 years
of insurance expertise,
K&K protects coaches and
athletic directors with
coverage designed for your
unique needs.
Affordable coverage is easy
online; visit our website to
get your free quote today.
* Camps * Clinics * Events
* Teams and Leagues
* Tournaments
http://www.kandkinsurance.com http://www.COACHAD.COM
September/October 2019

Table of Contents for the Digital Edition of September/October 2019
