According to the Centers for Disease Control and Prevention (CDC), sports-related injuries are the leading cause of emergency room visits for 12-17 year olds each year.  Sports are fun, but they pose a legitimate business risk that must be managed.  Fortunately, we’re ready to help.  Whether you are looking to insure a local sports league, a professional sports team, or anything in-between, our team of insurance professionals are ready to partner with you to provide an unparalleled insurance and risk management solution.  We can help walk alongside you and provide the help and expertise you need to be an All-Star in your client’s eyes.

Program Availability


- General Liability (including Abuse & Molestation)
- Liquor Liability
- Automobile
- Excess Liability
- Property (including Crime)
- Inland Marine
- Workers’ Compensation (not available on all programs)
- Accident Medical
- Catastrophic Medical

Coverage Available

Carrier rated A+, XV by A.M. Best
Programs offered on an admitted basis nationwide

Coaches & Officials

Coaches and Officials programs present unique exposures that must be addressed with a comprehensive insurance and risk management solution.  No matter how careful a coach or official is, bad things can still happen.  Allegations of bodily injury or sexual harassment can have a damaging effect on an individual coach/official or the organization they serve.  A customized insurance solution from American Specialty can provide your Coaches or Officials organization with the peace of mind they need so they can focus on getting the call right on the field.

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College Bowl Games

Each winter, millions of fans attend high school and college bowl games and all-star games across the country.  We developed customized insurance solutions to address exposures like athletic participants (including Catastrophic Medical if necessary), bodily injury to fans/spectators, fireworks, and those exposures that surround the actual event like fan fest exhibitions, courtesy vehicles, parades, and fundraisers.

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eSports Teams & Leagues

We embrace change and innovation in the sports and entertainment industry, and we recognize the rapid growth of eSports across the globe as the perfect opportunity to innovate together. We offer coverage for eSports teams, leagues, and clubs at all levels including professional, collegiate, high school, and youth programs. As the industry evolves and expands, so too will the insurance needs of the entities driving expansion. Choose American Specialty to serve the eSports insurance needs of today and anticipate the eSports insurance needs of tomorrow.

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High School Athletic Associations

The 51 high school athletic associations across the country (including Washington D.C.) serve as the organizing and sanctioning body for nearly 8 million high school boys and girls throughout the country.  Exposures include promulgating and enforcing rules for member schools, conducting state championship events, participant liability, officials’ liability, and injuries to athletic participants.  In addition to property and casualty insurance solutions, our team can provide catastrophic medical insurance solutions for all of a high school athletic association’s student athletes.

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Minor League Baseball

Minor league baseball is a major attraction around the country and the insurance exposures associated with these teams are endless.  Common exposures include fan security, first aid, stadium maintenance, concessions and liquor sales, parking, fireworks, on-field fan participation, and play zones for kids.  We also help you think through some of the less identifiable exposures like, how does Business Income coverage play into a weekend home stand?  Let our team of experts help you develop an insurance solution for the minor league team in your area.

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National Governing Bodies

National Governing Bodies (NGBs) serve as a governing body of their sport for the amateur athletes all the way up to the Olympic team that represent the United States at the Summer Olympics, Winter Olympics, and Paralympic Games.  We insured our first NGB in 1995 so we have over 20 years of experience and expertise in this niche.  Let us help you identify and develop a customized solution for volunteers, participant injuries, sexual abuse, coaches and officials, participant accident, and catastrophic medical. 

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Professional Teams & Leagues

We provide insurance designed for individual professional sports teams or can customize a league-wide insurance solution.  Our Professional Sports Team/League program focuses on Baseball, Basketball, Soccer, Lacrosse, and other traditional sports, but we can also provide insurance solutions for new and non-traditional sports like eSports teams and leagues.  Exposures can vary in size and complexity, but whether you are looking to insure a team or league, make sure you’re working with our team of conditioned professionals to get you the coverage you need!

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Sports Associations (Amateur)

Roughly three out of four school-aged children play at least one organized sport – that’s 45 million kids playing athletics in the US!  Amateur Sports Associations can range from a grass roots, multi-sport association to a national sanctioning body that focuses on a single sport.  Every association is different and there is no one-size-fits-all to insurance.  Bodily injury, sexual abuse, volunteers, property damage to facilities that host the events…. the risks to identify and mitigate can be intimidating if you’re not working with an expert…let us help!

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Sports Commissions

Sports Commissions work with state and local government to bring regional or national sporting events and attractions to their local geographic area.  Common exposures include fan safety, vendors and exhibitors, injuries to athletic participants, volunteers, vehicle rentals for VIP use, and more.

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Sports Complexes

Every weekend across the country, sports complexes are home to youth and adult tournaments and events.  During the week, they host league play, open gyms, and private rentals.  Liability exposures include participant injuries, food/concession/alcohol sales, in-house leagues, special events, individual sports instruction, and more!  Complexes that are designed around indoor soccer, basketball, and volleyball are most common, but we also insure complexes that are focused on up and coming or more niche sports like pickleball, bocce ball, and squash.  Have a sports complex that offers a mix of all of the above?  We’re here for that too!

Have a Baseball Training Facility? Quote & Bind Online with American Specialty Express Baseball Training Facility Insurance Program.

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Sports Events

Events can range from weekend youth sports tournaments to sports events that are regional or national in scope.  We’ve even placed insurance for the last two Olympic Games held on U.S. soil!  Clearly, no event is too large for us to handle.  If you are looking to insure a professional golf tournament, cycling event, or another sports event, we’re here to help.

Need something on a smaller scale?
Quote & Bind Online with American Specialty Express Sports Events Program.

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View Professional Sports Event Application

Youth Teams, Leagues & Camps

Our sports teams & leagues program provides annual liability and accident coverage for individual teams, leagues and sports organizations with multiple teams and/or sports. Leagues and organizations with multiple teams receive a discount when purchasing together. Youth and adult sports are eligible.

Quote & Bind Online with American Specialty Express Team & League Insurance Program.

Quote & Bind Online with American Specialty Express Camp & Clinic Insurance Program.