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Like it or not, sponsors of sports events must consider associated risks. But don't allow liability concerns to interfere with your activities. Plan ahead with special event, sports-related insurance coverage.


I'm a sports nut. As a kid I played any game, organized or street, that involved a ball and/or a stick. Though now constrained by work and family responsibilities, I still make as much time as possible for basketball and tennis, and participate in a "mud run" when I can.


So I am always pleased to see businesses, schools, churches, other kinds of associations, and individuals who take the time to organize sports and recreational events that are such a benefit to our communities. But as an insurance professional, I also worry about whether liability issues have been carefully thought out and addressed. What happens if a participant or a viewer is injured? A shanked golf ball hits a windshield? A food vendor's truck catches fire? These are not the kinds of questions that organizers like to think about when they sponsor a sports or recreational event. But they need to be considered.


If you or your business, school, church or other association are sponsoring or organizing a special sports or recreational event or tournament, anything from a Sunday afternoon softball game for employees, to a "sports day" at school, or a more elaborate week-long basketball camp at your church or synagogue during the summer months, I urge you to set aside some time to plan for potential liability issues. It is the prudent and sensible thing to do to protect your organization. Your existing insurance policies may cover the event (check with your insurance carrier to find out if you are uncertain), but often one-off events like this may not be covered. In that case, you should consider obtaining special insurance coverage for the event. 


If you have questions or concerns about a sports or recreational activity that you are involved in, please give me a call. Whether it is a traditional sport like baseball, basketball, football, soccer, golf, running, tennis or hockey, or something more exotic like lacrosse, bowling, dance, kick ball, or my much-loved mudder events, whether you anticipate "fans" and an audience or will be catering only to the athletes themselves, whether your event will include food or other vendors, and whether the activity is for a single day or over an extended period, I am prepared to help you think through, anticipate and prepare for potential risks and liabilities.


And in any event, as I said, I'm a sports nut, so I will be delighted to hear what events you have planned for the community.


Contact Pfeifer Insurance Brokers at 650-762-8087 or alex@pfeiferins.com.


PS: If you or your organization sponsors a sports team or baseball league, we can also help you.

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