Owner, Graham Insurance
Do you coach? If you do, you might know the risks associated with this activity, and maybe not. But you should be aware if you're dealing with other people's kids, that extra coverage may be in order. Kids are at risk for all kinds of injuries, and can bring a lawsuit against a coach or team representative for a myriad of other reasons. If you're new to coaching, or you've been at it for several seasons, and you don't have an umbrella policy that names this peril, you might want to consider purchasing it. Self insuring (or simply having the funds available) should you be subject to a lawsuit brought by a parent or child is one way to go - but if you have assets to protect, you'll want the peace of mind that comes from knowing you and your's have your assets protected with a policy. Your league may have a policy that protects them, but does it cover you? Find out.
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