Closing the Gaps in College Athlete Insurance

The NCAA, NAIA, and NJCAA require schools to offer student-athletes comprehensive athlete insurance coverage up to the catastrophic deductibles set by the associations. However, many schools typically choose blanket excess accident insurance that overlooks the specific risks inherent in various sports, often resulting in coverage gaps. Consequently, athletes may be underinsured for severe injuries when policy limits fail to meet their needs.

Athlete insurance needs vary greatly, depending on the sport. Contact sports demand more comprehensive coverage due to higher injury risks, while non-contact sports need protection against overuse and accidental injuries. Schools benefit from highly customizable sports insurance plans, ensuring all athletes receive adequate and appropriate coverage.

A-G offers flexible college sports insurance plans that can be customized to the specific needs of student-athletes while complying with the major U.S. collegiate sports governing bodies.

Our flexible athlete insurance policies give comprehensive protection and financial security for student-athletes in any sport, providing peace of mind against injuries.

Participating in college sports improves a student-athlete’s fitness and discipline, develops leadership skills, and often qualifies them for athletic scholarships. However, it also exposes these students to the risk of serious injuries. Catastrophic Injury Insurance is available to NCAA, NAIA, and NJCAA member schools to mitigate the risks. This insurance covers student-athletes, coaches, athletic trainers, team managers, cheerleaders, and mascots involved in officially sanctioned activities. It’s a vital safety net, protecting against the financial impact of major injuries, such as severe spinal or brain trauma.

Smoother Claims Processing

Catastrophic insurance is central to the NAIA, NJCAA, and NCAA insurance policy frameworks. By partnering with these sports governing bodies, we ensure the claims process is streamlined and efficient. This collaboration means that student-athletes and related personnel receive prompt, comprehensive support, allowing them to focus on recovery without stressing over money matters.

Coverage for Non-Association Events

The coverage options vary, with deductibles set at $90,000 for the NCAA and $25,000 for NAIA and NJCAA. These plans carry lifetime benefits for student-athletes who become disabled during practice or competition.

Securing additional Catastrophic Injury Insurance from A-G is a smart move if your school participates in events not affiliated with your association, like camps, clinics, or those organized by outside groups. This extra coverage protects your school’s team during activities, such as an NAIA tournament, that fall outside your official season schedule and would otherwise not be covered.

We also strongly advise catastrophic coverage for interscholastic sports, non-NJCAA two-year colleges, and preparatory institutions. With A-G, you’ll find athlete insurance customization to suit your needs.

Our plan offers disability benefits and cash coverage for catastrophic injuries, addressing loss of income, medical care, and family expenses.

Our Participant Injury Insurance is designed to reduce or eliminate the out-of-pocket expenses participants might face due to injuries in events sponsored by your organization. This insurance offers financial relief to the injured parties and safeguards your organization against potential liability claims. Recognizing the diverse needs for injury coverage, we offer customizable programs that are flexible enough to align with your specific requirements.

At A-G, we aim to provide an athlete insurance solution that meets and exceeds your expectations. We ensure that your organization and its participants are well-protected during all officially sponsored activities.