Why you might need it.
Events often carry more danger. More vendors, viewers, and participants at one site raise the possibility of mishaps or injuries. Sadler Sports Insurance notes that temporary buildings like tents and booths, which are ordinary at events, might cause a collapse risk. Food seller tools also create possible risks. Teams have Insurance; however, coverage gaps—such as for sports participants, hidden exclusions, or limited extra insured status for tournament hosts—can still exist.
Who needs it?
Tournament hosts will most surely gain from this coverage. It covers sports commissions, schools, leagues, governing bodies, private and municipal facility owners, and individual teams planning events. This coverage helps everyone be financially liable for the tournament and guards against possible Liability. Though that differs from tournament insurance, individual participants and viewers should consider travel insurance.
What it covers.
Usually, the two main components of tournament insurance are general Liability and accident insurance. General Liability guards the host against claims of property damage or bodily injury brought on by the event activities. Accident insurance covers medical bills related to accidents participants incur during the event. Specific plans could provide extra coverage choices, including for event cancellation brought on by unanticipated events like severe weather.
What it doesn't cover.
Though policies differ, some frequent exclusions are professional athletes (who usually need separate Insurance), accidents resulting from participant negligence or unlawful activities, and pre-existing ailments (unless addressed explicitly by a rider). Any coverage restrictions can be understood only by closely reading policy language. Consider separate international travel insurance covering specific concerns, including medical evacuation, missing luggage, and trip disruption (as stated by American Visitor Insurance) for overseas tournaments.
How much it costs?
Factors including the sport, number of participants, length of the event, venue, and coverage restrictions define the cost of tournament insurance. For amateur sports events with under 2,500 competitors and 7,500 daily attendees, K&K Insurance provides covers beginning at $100. Additionally, plans starting at $100 are available from American Specialty Express. Getting several quotations from different companies lets one compare prices and guarantee the best deal.
How to buy it.
Many websites provide quick rates and policy issuing for tournament insurance. Among these are American Specialty Express, K&K Insurance, and Sadler Sports Insurance. Additionally, insurance firms like Insurance, specializing in sports and leisure help with suitable coverage. Comparison websites like Squaremouth and Visitors Coverage make side-by-side policy comparison possible. Directly contacting insurers—like those provided by American Visitor Insurance: IMG, Seven Corners, WorldTrips, etc.—to negotiate unique packages is often helpful for more significant events.
Tips for choosing the right policy.
Give the details of your competition great thought. Your policy choice should be guided by the sport (and associated hazards), expected attendance, site, and general budget. Go over the fine print carefully, noting coverage restrictions and exclusions. Before making a purchase, do not hesitate to ask clarifying questions to insurance companies directly. Verify that your competition specifically covers dangerous sports (such as those mentioned by World Nomads: rock climbing, scuba diving, etc.).
| Provider/Plan | Coverage Type | Sports Covered | Medical Coverage | Evacuation/Repatriation | Trip Interruption/Cancellation | Sports Equipment/Lost Luggage | Other Benefits |
|---|---|---|---|---|---|---|---|
| A-G Specialty Insurance | Youth sports, club sports, travel sports, K-12, intercollegiate | Baseball, basketball, football, soccer, and more. | Covers out-of-pocket expenses (deductibles, copayments). Specific amounts not listed. | Included with international travel insurance. | Included with student accident, student athlete accident, and event insurance. | Included with baggage loss coverage. Up to $2,500 for Gold plan. | Risk management, claims analysis |
| Auras Insurance | Individual, group, sports team | 150+ sports (categorized as Active, Extreme, or Sport) | Up to $1,000,000. COVID-19 coverage included. | Included | Included. CFAR optional. | Included | Public liability, personal accident cover |
| Battleface: Discovery | Adventure travel | Hiking, camping, and more. | $100,000 primary coverage | $500,000 | Included | Up to $2,500 | Pre-existing condition coverage, customizable |
| eSports Insurance | Sports travel | Various, including water, winter, air, and land-based. Amateur sports competitions. | Recommended minimum $50,000 | Recommended minimum $100,000 | Included | Included | 24/7 assistance |
| HTH Worldwide: TripProtector Preferred | Adventure travel | Hiking, camping, and more. | $500,000 primary coverage | $1,000,000 | Included | $2,000 per person, $500 per item, $1,000 for specific items. | High-limit travel protections |
| IMG: iTravelInsured Travel SE | Adventure travel | Hiking, camping, and more. | $250,000 | $500,000 | Included | $1,500 per person, $250 per item. | Kennel fee reimbursement, comprehensive trip protections |
| John Hancock: Silver | Adventure travel | Hiking, camping, and more. | $100,000 | $500,000 | Included | $1,000 per person, $250 per item, $1,000 specific item limit. | Trip delay reimbursement after 3 hours, $750 missed connection reimbursement |
| K&K Insurance | Amateur sports tournaments and events | Various, classified by risk level. See website for details. | Included (except for participants in some plans) | Not covered by the short term event liability insurance, but may be available under other programs. | Available through a partnership with Showstoppers for event cancellations. Not available for all events. | Offered as Inland Marine coverage. Limits and deductibles depend on plan selected. | Liability coverage for participants and spectators |
| Protectivity | Sports travel, activity top-up | 500+ sports and activities | Included. All medical conditions considered. | Included | Included | Included (£200-£600 depending on plan) | Personal accident, personal liability, search and rescue, legal expenses |
| Seven Corners | Adventure sports | Scuba diving, skydiving, bungee jumping, mountaineering, and more. | Up to $10,000,000 | Up to $1,000,000 | Up to 150% of trip cost. | Up to $2,500 for Choice plan, $500 for Basic plan. | 24/7 assistance, AD&D |
| Tin Leg: Adventure | Adventure travel | Bungee jumping, skydiving, mountain biking, and more. | $25,000 | $100,000 | Included | Included | Sports equipment delay, sports fees coverage |
| Travelex: Travel Select | Travel insurance with adventure sports option | Various adventure activities available. | $50,000 primary coverage | $500,000 | Included | Up to $1,000 for Travelex Ultimate. Up to $750 for Travelex Essential. | Medical quarantine coverage, 24/7 assistance |
| VisitorsCoverage | Sports Travel | Hazardous sports. Contact and non-contact. Intercollegiate and Interscholastic Athletics. | Up to $1,000,000 | Included | Included | Depends upon the specific plan selected. | 24/7 travel assistance. Dedicated sports insurance specialists. |
| World Nomads | Travel insurance with adventure sports option, Standard & Explorer Plans | 150+ Activities, including various team sports and adventure activities. Some activities may require upgrades. | $100,000 (Standard) $150,000 (Explorer) | Included | Included | Included | 24/7 assistance. Can purchase after trip start. |
