Picture any town in America on a warm Saturday afternoon. Whether you imagine a rural area or a cityscape, one thing is for certain: Kids are at play.

Sports and play are an integral part of American life. On any Saturday afternoon, children of different backgrounds come together to play sports in gymnasiums and on fields, while their families cheer from the sidelines.

Even with the residual effects of the economic downturn, "Families are still spending money on their children to go to sports camps, leagues, traveling for games. That is a constant," said Brian Himmer, underwriting supervisor at Philadelphia Insurance Cos., Bala Cynwyd, Pa.

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