(PRWEB) March 11, 2004
The American Football Association recently researched and secured a substantial reduction in the cost of team and league liability insurance for the 2004 semi-pro football season. As the years go by the AFA national association has managed to increase the awareness of how well organized the semi-pro football level of the sport has become. Armed with that knowledge and the assistance of their insurance consultant, John Sadler, the AFA was able to shop insurance carriers who offer General Liability Insurance needed by the teams across the country playing semi-pro football.
Once thought of as Âsemi-organizedÂ and perhaps even a little unruly - the semi-pro level has come a long way in the past couple of decades - thanks mainly to the efforts of the American Football Association and the dedicated commissioners that operate the 63 different leagues that the AFA national association services.
With the AFAÂs slogan ÂSemi-Pro and ProudÂ as a constant reminder - the member leagues push their teams to take advantage of the national associationÂs many benefits. One of those benefits comes in the form of a group liability insurance program. While most teams are required to carry a million dollar liability policy by the facility they use for their games and practices - until recently that insurance premium represented a healthy part of a teams annual operating budget.
ÂProof of the respect the AFA has managed to garner for our teams and leagues over the years comes from the fact that the football industry, with insurance being a big factor in the cost of operating a team, is starting to look at us as a budding sports market rather than a stepchild of professional footballÂ, says the AFA President, Ron Real. ÂIts taken us several years to get their attention but we were able to prove to them that our level of the game should not be rated on the same scale as professional or even college football when it comes to tracking attendance figures to base their spectator liability rates onÂ. RealÂs comment relates to the fact that the AFA has recently received a new quote for a general liability package for semi-pro teams and leagues from one of the largest insurance carriers servicing the sport of football. ÂThe new policy is less than half the cost of the previous one,Â he added.
Last season the cost per team for spectator liability insurance through the AFA endorsed program was $480 per year per team. Prior to that teams trying to secure spectator liability insurance on their own were forced to pay premiums of a thousand dollars or more.
The new AFA policy rate is only $230 a year per team (based on 50 player roster) for teams ordering the coverage individually. As if that lower cost wasnÂt good enough the AFA managed to secure even a little better rate if the league purchases the insurance for all their teams at the same time.
The 'league rate', through the new AFA endorsed program, is based on only $3.33 per player. If a team averages 50 people on their squad their liability insurance would only cost $166.50 per year - an additional savings of $63.50 per team - providing each team in the leagues takes advantage of the leagueÂs buying power.
Another big advantage to the AFA endorsed insurance program is that the coverage is for an entire year and not just for the length of the teams playing season. This is an important factor for teams to consider when making their league playoffs or progressing into post-season tournament play. In the past some teams had to purchase additional Ârider policiesÂ (some at extra cost) in order to extend their schedules beyond the regular season. The AFA's program covers a team or league for 12 full months.
The AFA national office owes a debt of gratitude to John Sadler of the Sadler Sports Insurance Group for his companyÂs vigilant effort to keep the AFA name in front of the various insurance carriers in the business and has convinced them to review our rate structure after our many years of policy history with our previous insurance company.
AFA team and league administrators should review the Sadler Sports Insurance website (http://www.sadlersports.com/afa) for additional information on the new AFA endorsed liability insurance program. Team and league administrators should pay particular interest to the additional coverage they receive (as directors and officers) when their entire league takes advantage of the rate program now being offered.
John Sadler is a Sports Insurance Specialist and has a degree in sports law as well. He serves as a volunteer insurance consultant for the American Football Association and provides AFA member teams access to his informative website which includes a legally worded Âhold harmlessÂ - Adult Waiver/Release form and other pertinent information helpful in protecting team and league administrators in the operation of their semi-pro football organizations.
Sadler & Company has specialized in insuring amateur sports leagues since 1957. Operating in all 50 states, they presently insure over 3000 local sports organizations through various special programs. Their history and experience are important to the AFA because sports insurance is not something that can be mastered overnight or by just any local insurance agent.
John M. Sadler founded Sadler & Company in 1946. His son John M. Sadler, Jr. became president in 1989 and decided to concentrate on the needs of local sports organizations. John, Jr. graduated Magna Cum Laude from the University of South Carolina in 1983 with degrees in Insurance and Finance. Sadler also graduated from the University of South Carolina School of Law in 1986. In addition, Sadler holds the Certified Insurance Counselor professional designation and has gained real world experience by serving as national risk manager for eight national sports organizations, which includes the AFA.
Sadler is the national sports insurance and risk management faculty member for the National Institute of Youth Sports Administrators (NIYSA), which is a division of the National Alliance For Youth Sports (NAYS). Sadler designed the courses and teaches sports insurance and risk management to over 500 recreation professionals each year.
For more information about the new AFA endorsed General Liability Insurance Program or to take advantage of the new, reduced insurance rates, contact Debbie Edelmayer at Sadler & CompanyÂs toll free number 800-622-7370 or e-mail her at firstname.lastname@example.org.
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