Participants Legal Liability Coverage 2025

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Liability insurance coverage protects you financially if youre responsible for someone elses injuries or property damage. Liability coverage comes standard with most vehicle and property insurance policies, including auto and homeowners insurance.
Participant Legal Liability coverage is at the heart of the GL policy and is designed to protect the players, coaches, volunteers and organization if a participants injuries result in a lawsuit or damage claim.
Although various states and countries have differing laws relating to enforcement of legal liability, two legal theories typically apply to product liability: negligence and strict liability of defective products.
Liability coverage includes property damage and bodily injury coverages. Property damage coverage insures against damage to another persons property caused by your vehicle. This includes: Repairs to the other drivers vehicle.
Accident protection for participants, group members or students taking part in sponsored and supervised activities and events.
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Your accident insurance will cover the cost of medical treatment for a covered accident for all registered participants and volunteers for whom the premium has been paid. It includes accidental death and dismemberment. We can also write it so that it coordinates with any existing health coverage.

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