Organized sports account for some 3.5 million youth injuries each year, according to Boston Children's Hospital. A study by the Centers for Disease Control shows that youths aged 5 to 18 made up nearly 60 percent of all people treated for sports-related traumatic brain injuries—that's close to 135,000 youths—at U.S. hospitals from 2001-2005, with the top causes being cycling, football, basketball, playground activities and soccer.
So while kids stay busy being kids and recreational and league sports remain a mainstay of many insurers' Excess & Surplus offerings, carriers are taking a closer look at growing exposures within certain youth sports.
The two main exposures for a youth sports league or camp remain concussion awareness and Sexual Abuse & Molestation coverage, says Brian Himmer, Underwriting Supervisor for amateur sports, golf & country clubs and boat dealerships for Philadelphia Insurance Cos. in Bala Cynwyd, Pa.
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