Tournament Insurance from LIO Insurance now available on PickleballTournaments.com
What you need to know about Tournament General Liability Insurance from LIO Insurance now available on PickleballTournaments.com
Procuring general liability insurance is an important part of a tournament directors (TDs) playbook when preparing to run a pickleball tournament. This provides liability coverage for the TD, tournament staff, and volunteers for the normal activities associated with setting up, running and tearing down a tournament. Additionally, most public and private venues/facilities require TDs to provide liability insurance that covers the facility that is hosting the tournament. This is often a daunting process for a TD to navigate in order to ensure that the correct breadth and level of coverage is procured.This is why we have partnered with LIO Insurance.
As a special benefit to our TDs running tournaments on PickleballTournaments.com, TDs can purchase pre-approved tournament insurance coverage that meets their needs directly in your tournament’s dashboard.
LIO Insurance General Liability Insurance Offer for PickleballTournaments.com Users
LIO’s General Liability Insurance Plan for Pickleball tournaments protects the tournament from accusations of negligence and extends the liability insurance to the venues where they play. The following are the details of the offer:
-
Covered Entities: The pickleball tournament, the tournament director, the tournament staff and volunteers
-
Covered Activities: The policy covers liability associated with all the normal activities associated with setting up, running, and tearing down a pickleball tournament.
-
Coverage and Limit Highlights:
|
Gold Offer – Standard Limits |
Platinum Offer – Higher Limits |
|
$3,000,000 General Aggregate |
$4,000,000 General Aggregate |
|
$1,000,000 Each Occurrence |
$2,000,000 Each Occurrence |
|
$2,000,000 Products/Completed Operations |
$2,000,000 Products/Completed Operations |
|
$1,000,000 Personal Advertising Limit (Any One Person or Organization) |
$1,000,000 Personal Advertising Limit (Any One Person or Organization) |
|
$100,000 Damage to Premises Rented to You Limit (Any One Premises) |
$1,000,000* Damage to Premises Rented to You Limit (Any One Premises) |
|
$5,000 Medical Expense Limit (Any One Person – Not Participants) |
$5,000 Medical Expense Limit (Any One Person – Not Participants) |
|
$100,000 Sexual Abuse/Molestation Liability Each Act Limit |
$1,000,000 Sexual Abuse/Molestation Liability Each Act Limit |
|
$200,000 Sexual Abuse/Molestation Liability Aggregate Limit |
$1,000,000 Sexual Abuse/Molestation Liability Aggregate Limit |
|
Included – Primary/Non-Contributory |
Included – Primary/Non-Contributory |
|
Included – Waiver of Subrogation |
Included – Waiver of Subrogation |
|
Included – Additional Insureds as Needed |
Included – Additional Insureds as Needed |
|
No Hired/Non-Owned Auto Liability |
Included – Hired/Non-Owned Auto Liability |
|
No Host Liquor Liability |
Included – Host Liquor Liability |
|
No Prime GL Enhancement Form |
Included – Prime GL Enhancement Form* (*Limit increased by this form) |
|
Notable Exclusions: Standard ISO Exclusions, Punitive Damages, Total Pollution, Unmanned Aircraft, Cyber Incident, Fireworks, Inflatables. Please see the policy for all exclusions. | |
-
Coverage Pricing
|
Gold Offer – Standard Limits |
Platinum Offer – Higher Limits | ||
|
Up to 200 Participants |
$600 |
Up to 200 Participants |
$925 |
|
201 – 325 Participants |
$900 |
201 – 325 Participants |
$1,350 |
|
326 – 450 Participants |
$1,300 |
326 – 450 Participants |
$1,800 |
|
More than 450 Participants |
Call SRT Insurance Solutions for quote |
More than 450 Participants |
Call SRT Insurance Solutions for quote |
For questions about coverage, pricing, or changes to a bound policy, please contact SRT Insurance Solutions:
E-mail: srtservice@SRTinsurancesolutions.com | Phone: 1-877-715-6794
To download this offer click here.
FAQ for LIO Insurance General Liability Insurance Offer
Q: Why do I need Liability Insurance for my Pickleball Tournament?
A: LIO’s Liability Insurance Offer for Pickleball Tournaments protects your tournament and the individuals working on behalf of your tournament from claims of negligence when someone gets injured during the event. Additionally, you may need to show proof of insurance to the owner of your venue, or you may need to name that venue owner as an Additional insured.
Q: What is an “Additional Insured?”
A: An Additional Insured is an entity that is added to an insurance policy and that receives liability protection from the policy holder. It is common for the owner of a facility, public or private, to request to be added as an Additional Insured before that owner will allow an organization to run an event or perform an operation on their premises.
Q: How do I know what specific insurance requirements I need to fulfill? A: Most venue owners will include their insurance requirements in the facility use contract.
A review of those requirements will help determine which level of insurance, Gold or Platinum, will suit your tournament best.
Q: Why are there two different offers, Gold and Platinum?
A: Different venue owners require different limits and coverages. LIO has attempted to make buying pickleball tournament insurance easy by anticipating these differences. The Gold offer will satisfy most basic insurance requirements, while the Platinum offer will satisfy most risk managers seeking more robust requirements.
Q: Can I mix and match limits within the Gold and Platinum Offers?
A: No. Those levels are set as coverage packages to respond best to historical requests from venue owners. We believe these two offers are complete, and both are priced competitively.
Q: What if my tournament needs to cancel due to inclement weather?
A: If you cancel your tournament before it begins, LIO will refund your premium or change the dates of the policy to coincide with your rain date. If you play part of your tournament, or if you do not cancel ahead of time, the premium is fully earned and cannot be refunded.
Q: What should I use for my Policy Effective Date?
A: Use the first day when activity will be occurring at the venues (setup and preparation).
Q: What should I use for my Policy Expiration Date?
A: Use the day AFTER the last day of activity has been completed (including teardown/clean-up). Example: If you have finished cleaning up and the crew completes the tournament tear-down on 7/8/24, your Policy Expiration Date should be 7/9/24 (insurance policies expire at 12:01am on the expiration date).
Q: What if I don't know exactly how many participants are going to attend my Pickleball Tournament?
A: Use your best guess. If the final number is wildly different, contact us and we can discuss if any changes need to be made.
Q: Should I use a liability waiver to protect my tournament against frivolous lawsuits?
A: Yes. It is a wise and common practice to have participants sign a liability waiver to ensure that you have the best possible defense against an accusation of liability for a mishap at your tournament.
How to purchase LIO Insurance General Liability Insurance Offer
The following is the process to purchase LIO Insurance for your tournament:
-
Step 1: Complete the initial setup of your tournament on PickleballTournaments.com, including adding at least one event, and save your tournament. Note that if the tournament’s initial setup is not complete, the “Purchase Insurance” button will not appear on your tournament dashboard.
-
Step 2: Click on the “Purchase Insurance” button at the top of your tournament’s dashboard or next to the LIO logo further down the page.
-
Step 3: You will be prompted to answer a few simple questions and pay using a credit card.
-
Step 4: Upon confirmation of payment, click the “Import Policy Files” button to get access to the links to your policy document and Certificate of Insurance (COI) will appear in your tournament dashboard in less than a minute.
-
Step 5: Click on the download link to save your policy documents to your local computer drive.
You now have the coverage and documentation you need to provide to the facility to secure it for the tournament and the peace of mind that you have the appropriate liability coverage for your tournament.
About LIO Insurance
LIO is a specialty insurance carrier that combines years of in-house underwriting and claims expertise with a commitment to technical innovation and exceptional customer service. LIO draws from extensive knowledge and proven success in the commercial insurance industry. Rated A- VIII (Excellent) by AM Best and unburdened by legacy liabilities, LIO delivers a streamlined experience, including bindable quotes in minutes via its next-generation digital portal, flexible submission options, a 24/7 online claims portal, and an industry-leading NPS score of 91.
For more information, visit lioinsurance.com.
Note: General liability insurance is currently not available to businesses or organizations with primary addresses in NY, CO, CT, TN, MN, LA, AK, ME, HI and VT.
Disclaimer
PIckleball OpCo LLC, doing business as Pickleballtournaments.com and PickleballBrackets.com, is not a licensed insurance agent. Any insurance related questions should be directed to LIO Insurance or their designated insurance agent. The insurance premiums are collected on behalf of and remitted to LIO Insurance. Pickleball OpCo LLC does not benefit in any way in the relationship between the purchaser and LIO Insurance. The purchaser’s relationship is directly with LIO Insurance.
