Author: Nate Walker

Special Risks with student, athletic participant and volunteer exposures can have a lot of moving parts, so event organizers, administrators and coaches have a lot on their minds. Protection surrounding the safety and well-being of the people involved – participants, spectators, as well as the organizers themselves and their associates – can weigh heavy.

That’s why 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.

General Liability coverage provides protection against claims from bodily injury, personal injury, property damage, and third party medical
expenses. Participant Legal Liability can be added for accounts with student and athletic participant exposures. SMIC also has the capability to add optional coverages such as Abuse/Molestation, Non-Owned Hired Auto, Commercial Liquor Liability and Excess Umbrella Liability.

With coverage typically around $25,000 medical maximum per person, per injury, Accident Medical coverage from SMIC can protect all participants, coaches, officials, and volunteers from medical expenses that can arise from incident-related injuries.
SMIC’s Special Risk programs cover a wide rangevariety of exposures, ranging from a one-day event to annual activities.

Exposures include:


  • Youth and Adult Amateur Sports
  • Teams and Leagues
  • Tournaments
  • Camps and Clinics
  • Competitions
  • Races

Minimum premiums start at just $200, and SMIC’s underwriting authority provides specialized flexibility that allows them to create customized insurance programs and solutions for any Special Risk.