Club Liability Insurance


USATF Club Directors & Officers Liability Insurance Program (with Employment Practices Liability coverage)

USATF is pleased to announce the development of a new Directors & Officers (D&O) and Employment Practices Liability (EPL) program through Entertainment and Sports Insurance Experts, Inc. (ESIX). This new D&O/EPL program is available to all USATF
member organizations. The new program provides coverage and provisions not previously offered to member organizations.

USATF Recommendation
USATF highly recommends that all of its member organizations secure Directors' & Officers Liability (D&O) insurance. This coverage is often confused with General Liability insurance, even though the two policies cover entirely different exposures.

Director's & Officers (D&O) insurance is designed to protect the not-for-profit organization and its directors, officers and board members against claims alleging wrongful acts, errors and omissions while serving in this capacity. D&O claims often involve allegations of mismanagement of funds, poor board decisions, etc. Without D&O coverage, the club directors, officers and board members could be held personally liable with personal assets at risk for any alleged wrongful act, error or omission.

The D&O program offered through ESIX also includes Employment Practices Liability (EPL) insurance which provides coverage for claims alleging discrimination, wrongful termination, etc.

Below are a few of the program's highlights:

COVERAGE AND ELIGIBILITY: The program provides USATF member organizations with affordable, easy to obtain D&O and EPL coverage, subject to the following eligibility requirements: Participating organizations/clubs must be not-for-profit with annual revenues less than $1,000,000 and no more than 5 employees (not including coaches). If any clubs do not meet the eligibility criteria for participation in the program, ESIX can assist those clubs with securing individual quotes.
LIMITS OF COVERAGE - Limits of up to $2,000,000 are available.
ONLINE APPLICATION - USATF member organizations/clubs will be able to apply for coverage, renew coverage, and request of insurance through the following website: The website also provides an overview of the D&O and EPL coverage, a benefit summary, some myths about D&O/EPL coverage and some hypothetical claims scenarios.
DEFENSE COSTS - Coverage for defense is provided in addition to the policy limits.
PRIOR ACTS - Prior acts are covered provided there has been no prior notice/knowledge of a potential claim (i.e. no retro date limitation applies).
PREMIUM COSTS - The premium varies based upon limit of coverage selected. Coverage Limit: Annual Premium:
$1,000,000 Limit $625
$2,000,000 Limit $925

COMMON ANNIVERSARY DATE - All policies will have a common expiration date of 11/1/12. For club enrollments after 11/01/11, the online system will calculate a pro-rata premium from the date of enrollment through expiration on 11/01/12, so that Clubs only pay for the time actually insured under the program, subject to a minimum premium of $100.
CARRIER: The program is underwritten by Philadelphia Insurance Company, rated "A+" (Superior) with a financial size category of "X" by A.M. Best. Please refer to the website for more details regarding
this program. You can also contact ESIX with any questions.

ESIX Overview
Entertainment and Sports Insurance Experts, Inc. (ESIX) is a fully integrated risk management and insurance brokerage firm dedicated exclusively to clients in the sports and entertainment industries. Established in 1994, ESIX serves the needs of some of the world's most prestigious amateur and professional sports organizations, individual athletes and entertainers, foundations, national governing bodies, associations, sports & entertainment venues and events. Today, ESIX operates out of offices in Atlanta, Colorado Springs, Orlando and London.

Entertainment and Sports Insurance EXperts, Inc.
A division of Brown & Brown Insurance of Georgia, Inc.
3483 Satellite Blvd, Suite 100
Duluth, GA 30096
(770) 512-5000 Phone
(770) 512-5050 Fax

Contact Us

David Reinhardt
Association President
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