Competitive Events Insurance

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Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.

Liability Insurance For Competitive Event Organizers and Participants

At competitive events across the nation, lawsuits are being filed for bodily injury of others, property damage to rented premises, and general negligence of participants. Unfortunately, it’s all too common for injured parties to seek legal judgment, not only against event organizers but also the individual participants. Attorneys will look for indication of individual liability at every possible turn – in an effort to maximize the awarded judgment for their client.

Oftentimes, event organizers or participants carry minimum-limit, broad stroke insurance policies intended to cover spectators, venues, and competitors. Such a small amount of coverage can leave the policyholder vulnerable if a judgment or settlement exceeds the policy’s limits. The financial consequences could be long-lasting — in some cases, an individual or organization could lose some or all of their financial and physical assets and even their livelihood.

Classes

  • Motocross
  • Watercraft
  • Professional Sports
  • Amateur Sports
  • Tournaments
  • Special Events
  • And More!

Coverages

  • Commercial Liability
  • Off-Highway Vehicle
  • Registered Participant Liability
  • Participant Bodily Injury
  • Spectator Liability
  • And More!

Questions to Consider:

Are you a coach taking your team to a tournament?

Overuse injuries are responsible for nearly half of all sports injuries to middle and high school students, you could be blamed for this injury.

Does your homeowners policy offer adequate protection liability for claims as a participant or organizer of a competitive event?

Most homeowners insurance policies do not provide sufficient coverage for accidents causing physical injury or property damage to a rented premises; Prime Insurance Company offers a custom plan to cover any exclusions in your policy.

Know the Facts

Almost 50 percent of head injuries sustained in sports or recreational activities occur during bicycling, skateboarding, or skating accidents.

MLB Attendance 2011 = 73,451,522

Spectator Insurance From Prime Protects Your Clients

Are you an insurance agent or broker looking for competitive events coverage for your clients? You’ve come to the right place. Prime Insurance Company offers spectator liability insurance that provides reliable coverage when an accident strikes. Policyholders will be able to significantly increase their limits, gaining extra protection that reduces their exposure. And you’ll be able to add another satisfied client to your book of business.

What Does Spectator Insurance Cover?

Producers and their clients can select a custom all-in-one spectator and sporting event liability insurance plan that can offer a broad range of coverage options:

  • Commercial liability: This insurance provides general liability coverage for event organizers for injuries and property damage sustained by third parties. It also offers protection for incidents involving reputational harm, copyright infringement, and advertising injury.
  • Off-highway vehicle: This form of sporting event liability insurance protects organizers and riders when it comes to injuries or damage they cause while operating off-road vehicles at racing or similar events.
  • Registered participant liability: This coverage protects teams if a member sustains an injury during a competitive event or game and decides to sue.
  • Participant bodily injury: This type of plan protects the policyholder against bodily injury claims brought by individuals while engaging in the insured’s activities.
  • Spectator liability: This coverage extends to situations when spectators attending an event experience an injury or damage to their property.

Event and Spectator Liability Insurance for Challenging Risks

The risks that are prevalent at many competitive events can make it challenging for organizers and participants to obtain liability coverage in the standard market. At Prime, we specialize in taking on those hard-to-insure situations that other providers often avoid. We can cover organizations and individuals that have experienced a cancellation or nonrenewal of their liability plan or have an extensive claims history. If you can’t find the insurance your clients need anywhere else, we’re ready to help.

Our Commitment to Service Makes a Difference

We support our event liability insurance policies with excellent service. Our in-house underwriting team has the flexibility to generate innovative solutions that meet each applicant’s unique coverage requirements and challenges. We also handle all claims professionally and efficiently. Our 24/7 claims hotline allows policyholders to report an incident as quickly as possible to ensure the fastest settlement. If a lawsuit goes to court, we’ll provide aggressive legal representation.

Why Else Should You Consider Prime Insurance Company?

As a producer, steering your spectator liability insurance clients to Prime can provide a host of benefits. We offer:

  • A partnership approach: At Prime, we value producers and the new policyholders they bring to us. We work hard to foster long-term, mutually beneficial relationships with all parties, ensuring the best outcomes for everyone.
  • Profit-sharing opportunities: We offer access to unique profit-sharing opportunities for producers. Working with us can be a lucrative endeavor in the long term.
  • Premium financing for clients: Have you had trouble placing high-risk clients in the past due to the cost? With our premium financing options, we can make event liability coverage more affordable. We offer a range of programs via our affiliation with Greenlight Premium Finance.
  • No minimums to meet: We don’t require producers to meet a policy threshold or restrictive minimum premium standards. You can write as many or as few policies with us as you need to.

A Financially Sound Insurance Partner You Can Trust

If you’re looking to work with a financially strong insurance provider with a solid track record, Prime is an excellent choice. We’ve earned an “A” (Excellent) rating from AM Best, a U.S.-based credit rating agency dedicated to the insurance industry for nearly 125 years. We’ll be there to cover claims, no matter how high the liability limits on your plan.

Enjoy a Fast, Seamless Application Process

Our hands-on underwriting approach makes applying for event liability insurance easy. Start by filling out and submitting our online application for our underwriters to review. We’ll then reach out to schedule a convenient time to discuss the risk over the phone. After we’ve finished our assessment, we’ll provide a no-obligation quote for your client’s approval.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.