Participants and spectators
Review general liability and participant legal liability together. Accident medical coverage addresses a different need and should be discussed separately from the organization's liability protection.
Amateur Sports Insurance
Insurance for sports leagues, camps, clubs and facilities. Tell us how your organization operates so a licensed broker can review protection for participants, venues and equipment.
Licensed in California
Menlo Insurance Services is the filed name of Opero Labs Inc. California license #6020106.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
Plan for the people and places behind the sport
A league, a swim club and a tournament have different schedules and responsibilities. A sports insurance review connects the organization's activities with its liability, venue and equipment needs.
Venues and contracts
A field, pool or rented facility may require additional insured status. Share the venue's insurance requirements so the broker can review the wording and any needed endorsements.
Equipment and travel
Sports gear and the use of rented or personal vehicles create separate exposures. Ask which equipment and hired or nonowned auto options fit the organization's actual activities.
A starting point for amateur sports organizations
- Sports associations and leagues
- Sports camps and clinics
- Sports facilities and franchises
- Sports tournaments and special events
- Sports training businesses
- Swim clubs
Coverages that go with it
General Liability
Understand liability for injury and property damage claims, then review the participant and sports provisions needed for your organization.
Equipment Coverage
Explore coverage for sports gear that moves between storage, practice and competition. Covered property, locations and causes of loss depend on the policy.
Special Events
Organizing a separate fundraiser or celebration? Review its activities and venue requirements independently from the sports program.
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Organization type, sport and activities
- Primary location and other venues used
- Desired effective date and season or event schedule
- Participant and spectator exposures
- Requested liability limits and additional insured requirements
- Equipment and vehicle use requiring separate review
Questions we get asked
Can a California sports organization apply?
Yes. California is included in the available amateur sports program. Eligibility and offered coverage still depend on the sport, organization, locations and underwriting review.
Can the venue be included as an additional insured?
Additional insured options are available for venues. Send the broker the contract or insurance requirements so the requested insured status and wording can be reviewed before coverage is confirmed.
Is accident medical insurance the same as liability insurance?
No. Liability coverage addresses covered claims against an insured. Accident medical coverage can help with eligible injury expenses under its own terms. Ask your broker to review both needs and the specific coverage offered.
What information do I need to start?
Have the organization type, legal name, business address, primary sports location and desired effective date ready. Your broker may then request details about activities, participants, venues and the coverage you need.
Ready to compare your coverage options?
Start your application online, or talk with a licensed broker about your situation.