Liability Insurance for Club Sports

November 8, 2019 | UToday
By Chase M. Foland



Effective Sept. 30, all registered UToledo student organizations, including club sports teams, fall under the general liability coverage agreement. As a result, club sports are not required to purchase external general liability insurance for activities within the customary course and scope of their organization. Some club sports may be required to purchase insurance through their league.

The goal of the agreement is to improve the coverage and service provided to universities, while permitting club teams to assume additional risk.

However, student organizations and club sports will be required to participate in risk mitigation activities coordinated through the Office of Student Involvement and Leadership or the Student Recreation Center as part of this coverage, according to Tony North, assistant director of programs and leadership development in the UToledo Office of Recreational Services.

Any current, full-time undergraduate or graduate student may participate in a club sport. Club sports participants cannot be on a varsity roster. Any student who is not enrolled full time must be approved by North.

Tryouts vary from club to club. Some clubs will host tryouts, while others open up membership to anyone who wants to join.

Some activities are excluded from the new insurance policy; for a list, view the Inter-University Council PDF.

For a complete overview of insurance coverage, visit the Risk Management and Workers’ Compensation page.

Review frequently asked questions.