December 2017 - Parks & Recreation - 76

NRPA Update

Choosing the Right Insurance
for Your Sports Program
Hot Topics
NRPA Connect is the only networking
platform that provides you with direct
access to professionals in your field. You

reparing for any sports program or activity comes with a long to-do list,
and purchasing insurance can sometimes fall off the radar. However, choosing the right coverage requires careful consideration and should never be a
last-minute decision. A lawsuit is most likely the greatest risk of financial loss
to any operation, so being prepared is essential. Your sports leagues and associated
camps and clinics should always be protected with proper insurance coverage.

can ask 60,000 of your colleagues questions about parks and recreation and for
professional advice! Below are some of
the hottest topics this month:

Activity ideas for an outside, cold,
night event - Looking for an outside winter event to add to your

calendar? If so, check out this post to find
program examples, like the Decembrrr
Dazzle and the Snowman Parade.

SCUBA classes in pools - Interested in hosting, or contracting,
SCUBA classes at one of your pools?

Several park and recreation professionals
have already provided feedback relating
to their successes and challenges. Check
out this post on NRPA Connect.

Parks Master Plans - Looking for
sample Master Plan RFPs? Your colleagues have already stepped up

to provide you with RFPs they have used
in the past, save yourself some time and
check out these examples today. Do you
have an RFP to add? Share with fellow
professionals on NRPA Connect.

Economic impact from running
tournaments - Check out this
post for resources that have been

provided by your fellow park and recreation professionals.
Visit www.nrpaconnect.org to join the
conversation today!

Parks & Recreation

What kind of insurance should I buy?
Commercial general liability insurance,
often called liability coverage, protects the
insured against lawsuits or claims from a
third party for bodily injury and property
damage arising from the insured's premises and operations, and for personal and
advertising injury. Defending your organization against and paying for a liability
claim is expensive. Liability insurance not
only pays for damages for which you are
held legally liable, but should also cover
the cost of investigation and defense of
claims, even if they are groundless.
Other specific coverage to look for in
the liability policy for a sports organization insurance program includes:
Legal Liability to Participants - Protects the insured organization against
bodily injury claims brought by persons
participating in covered sports activities.
Professional Liability - Provides protection for claims arising from the rendering or failure to render instruction,
demonstration, direction or advice relating to the sports activity.
Medical Payments for Participants
(also called accident medical) - Pays
medical and dental expenses incurred by
a participant when accidental injury occurs while participating in covered sports
activities. It's usually offered on an " excess basis " ; that is, responding after all
other medical coverage available to the
participant has been exhausted.
Inland Marine Coverage, sometimes
called equipment and contents coverage,

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provides coverage for direct loss or damage
to sports equipment, field maintenance
equipment, concession stand equipment
and portable storage sheds.
Sports organizations may also be able to
purchase other optional coverages, such as
hosted tournament liability coverage, and
directors' and officers' liability coverage.
What does it mean to have an
additional insured added to my
policy?
An additional insured is an entity added to the liability policy thereby becoming protected by your policy - you are
basically sharing the limits of the policy
with that additional insured. Therefore,
it is important to make sure it's necessary
to include the additional insured (usually a venue or landowner) to your policy.
This is a very common request and, unfortunately, can sometimes be a source
of added costs from insurance providers
who charge an extra fee for certificates of
insurance, sometimes as much as $25 to
$50 for each certificate requested. This is
an important financial consideration for
sports organizations when choosing an
insurance provider.
Consider taking advantage of NRPA's
many insurance programs, ranging from
blanket recreational activities/medical insurance plans, instructors and interns liability, team sports, football, equipment and
not-for-profit organization liability insurance provided by K&K. Visit http://www.
nrpainsurance.com for more information

December 2017 - Parks & Recreation

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