Insurance Overview

Millions of young athletes participate in sports across America on a daily basis. Numerous volunteers give countless hours in coaching young athletes and in directing and hosting events.  There is an inherent risk involved in any athletic endeavor whether as an athlete, coach, bench personnel, administrator, instructor, manager, official, team leader, tournament director, volunteer, spectator, parent or event operator.  The AAU has addressed many of those inherent risks through a comprehensive insurance program that is second to none in the youth sport industry.

The AAU’s insurance program is a benefit of membership and extends to  those who are members of the AAU (athletes, non-athletes, club) or affiliated with the AAU through its members. Everyone participating must have an AAU Athlete or Non Athlete Membership

The AAU insurance program is comprehensive in nature and provides protection for athletes while participating in competitions and practices, coaches while instructing, event operators while conducting licensed events, spectators while attending events, and facilities while partnering with AAU members.

There are two broad types of insurance coverage included in there AAU insurance program:  Sport Accident and General Liability.

• Sports Accident: Coverage is provided for properly registered athletes or non-athletes who are injured during an AAU licensed event, supervised practice or while participating in the Extended Coverage (AB) membership program.  Coverage is excess medical and becomes primary if there is no other coverage available.

• General Liability:  Coverage is provided for properly registered athletes, non-athletes, member clubs/teams, event organizers, promoters, facilities, sponsors, managers, spectators and volunteers covering claims due to damage or injury caused by negligence or acts of omission during performance of duties or conducting business (such as running events or hosting a practice.)

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