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Personal Umbrella Protection for Coaches and Volunteers

By August 14, 2018February 25th, 2021Personal Insurance

Personal Umbrella Protection for Coaches and Volunteers

Play Ball and Grab an Umbrella!

A new season of youth sports is upon us. It’s an exciting time as some kids transition from one sport to another or they continue on with the one sport they love. As a parent or volunteer, it’s an exciting time as well as leagues and organizations gear up by organizing and mobilizing their coaches, refs, umpires, and volunteers.

Are you involved with youth sports in your community? Have you considered the liability of being a youth coach? Parents volunteer to spend time with their kids, help teach and coach a sport or activity they love or see a need in the community for more volunteers. No matter how good your intentions the fact is you’re exposing yourself to the risk of a liability lawsuit. In a sometimes eager to sue society some of the lawsuits that arise could be a result of a number of things such as:

    •    Injuries

    •    Punishment

    •    Parental Complaints

    •    Player Accusations

    •    Transporting players

These type of liability risks extend to coaches and volunteers both on and off the playing fields. A personal umbrella insurance policy offers an extra layer of financial protection beyond what your home and auto insurance policies cover. Both your homeowners and auto policies offer some personal liability protection, but often the limits of your policy and the amount of protection available do not match the level of liability you’re exposed to as a youth volunteer.

Youth sports administrators, coaches, and officials may be personally liable for the actions of the organization, including any incidents that occur during play. – National Alliance for Youth Sports

Youth coaches are not immune to frivolous lawsuits, and often the settlement amounts can be large and beyond the limits of your standard homeowners or auto policy. It’s always a good idea to consult with your insurance agent before becoming a coach or volunteer to determine the amount of coverage you currently have, what gaps in protection exist and how much it would cost to add an umbrella policy for extra protection. Your insurance agent can help you understand how an umbrella policy works and how much they cost. Follow these steps to decide if a personal umbrella policy is right for you.

Step 1 – Determine what insurance protection exists for youth coaches for the league or school you’ll be coaching or volunteering at

Step 2 – Review your insurance policies with your insurance agent

Step 3 – Get a quote for a Personal Umbrella Policy. You may be surprised that it’s not as expensive as you thought

Step 4 – Decide on a policy that will best protect you, your assets and even your future earning from a liability lawsuit

Youth coaches and volunteers are always in demand. Don’t let the risk of a lawsuit stand in your way of getting involved. Umbrella policies are affordable and easy to get. They typically range in coverage from 1 million to 5 million dollars in coverage. The annual cost for an umbrella policy starts between $150 and $200. The cost will go up depending on the coverage amount and details of your coverage.

If you are interested in learning more about umbrella policies or would like to add an umbrella policy to your insurance coverage. Consult with your insurance agent about coverage options and details.