Special Risks with student, athletic participant and volunteer exposures can have a lot of moving parts, so event organizers have a lot on their minds, especially protection surrounding the safety and well-being of the people involved.

Special Risk programs from SMIC can go a long way in helping remove some of that worry by providing General Liability and Accident Medical Protection for a variety of exposures.

Exposures include:
  • Youth and Adult Amateur Sports
  • Teams and Leagues
  • Tournaments
  • Camps and Clinics
  • Competitions
  • Races
Participant Legal Liability can be included for risks with student and/or athletic exposures by adding an Accident Policy as a package with the GL.

Accident coverage includes:
  • Per Accident per Claim limit
  • No Aggregate
  • AD&D Benefits
  • Dental Benefits

With coverage limits  typically at $25,000 per accident per claim, SMIC's Accident product is designed to protect all participants, coaches, officials and volunteers for injuries sustained during the covered activity.

SMIC's Special Risk programs cover a wide variety of exposures, ranging from one-day events to annual activities.
Minimum premiums start at just $200!

Optional Coverages available:
  • Abuse/Molestation
  • Non-Owned Hired Auto
  • Commercial Liquor Liability
  • Excess Umbrella Liability
Nate Walker
Special Markets Insurance Consultants, Inc. (SMIC)
T 312-601-9273
M 773-759-3322