Film Emporium offers cheap rates on quality coverage for your sporting event. To protect your athletes, coaches, directors, volunteers and organization from law suits arising from property damage to bodily injuries, a sports organization should purchase three different insurance policies.

1. Accident Insurance

Pays for medical bills on behalf of injured participants. This policy assures that your participants and volunteers will receive the type of medical treatment that they deserve. Also, the threat of a lawsuit being filed by an injured participant is minimized if his medical bills are taken care of by Accident Insurance.

2. General Liability Insurance

Covers certain types of lawsuits alleging that a spectator or player has suffered bodily injury or property damage due to the negligence of your organization. This policy pays for your defense and pays for costs of settlement or jury verdict. Covered persons should include the sports organization itself, 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, you must defend yourself in court.

3. Directors & Officers Liability

Covers certain types of lawsuits (not covered by the General Liability policy) alleging that your sports organization's mismanagement has resulted in economic injury to another party or that another party's rights under state, provincial or federal law have been violated. Examples of types of lawsuits commonly covered include discrimination, wrongful termination or suspension of your league personnel or players, or failure to follow your own rules or bylaws. This policy also pays for your defense and pays for costs of settlement or jury verdict. Covered persons should include the sports organization itself, directors, officers, and volunteers.

*Please note under some circumstances, some sports organizations may need additional policies such as Property, Auto, or Workers' Compensation.

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