Interscholastic Sports & Extracurricular Activities

As “Sports Insurance Specialists”, A-G Administrators, Inc. are experts in the interscholastic sports insurance world. We have a number of different options to find the right fit in limiting your risk when sponsoring interscholastic sports and extracurricular activities.

Secondary (Excess Accident) Injury Insurance

18014051Most K-12 schools purchase a secondary or “excess accident” insurance policy in order to minimize any out-of-pocket expense that parents may incur when their son or daughter is injured while participating in school-sponsored sports. This protects your school from undue liability. Interscholastic sports accident (injury) coverage needs vary from school to school based on classification (public vs. private), association and state regulatory mandates. Our programs can be tailored to meet your needs and are highly adaptable.

Plan features may include:

  • Flexible benefits to meet your needs
  • Fully insured, per claim and aggregate deductible options
  • 1-, 2-, and 3-year benefit periods available
  • Expanded coverage for overuse, repetitive stress and overexertion injuries
  • Expanded coverage for heart & circulatory issues (syncope/heat illness/heart-related issues)
  • Coverage for pre-existing conditions
  • Extended coverage for expenses denied by HMOs/PPOs
  • Accidental death & dismemberment benefits

Catastrophic Injury Insurance

Catastrophic coverage for your interscholastic sports teams is highly encouraged and can be customized to fit your needs.

Plan benefits can include:

  • Available 5-year and 10-year benefit period options
  • Catastrophic maximums from $1,000,000 to $5,000,000
  • Flexible deductible options
  • Specific benefits can include:
    • College education,
    • Home adaptation remodeling,
    • Vehicle adaptation
  • Benefits for total disability and partial disability can be included

Cash benefits up to $500,000 for catastrophic injuries that pay for loss of income, ongoing medical care, and family expenses can be included.

Mandatory Athletic & Extracurricular Activity Participant Plans

567752One way that some of our partners off-set some of the risk of athletic injury while spreading that risk across the entire student-athlete population is through a mandatory student-athlete accident insurance plan. If you are looking to implement a “per claim” deductible on the school purchased excess accident plan and ensure that your student-athletes have this deductible covered by a mandatory student-athlete plan or you want to limit the potential financial responsibility that a student-athlete’s parents may have due to an injury, this plan may be a solution for you. Plan benefits can vary and can match up with your school plan’s deductible or off-set some of the risk to your excess accident plan.

Contact us for more information