Youth sports coverage
for everyone in the sector.
Complete a quick app, get real quotes back on screen instantly, and purchase your policy in the same session — documents issued on the spot. Best-in-market pricing with the NAYS membership advantage already built in.
Three steps from click to coverage.
No portals. No middlemen. NAYS submissions go straight to Matterhorn's Sports & Recreation underwriting desk — the same team that quotes and binds your policy.
Complete a Quick App
Pick the application that matches your operation — program, facility, or equipment & property — and answer a handful of questions. Takes about 90 seconds.
Quotes Back Instantly
The moment you submit, real quotes are returned on screen — pre-priced, with the NAYS member advantage already applied. No waiting, no follow-up emails.
Buy & Bind In One Click
Like what you see? Purchase immediately and your policy documents are issued on the spot. Done before you'd have finished a paper application.
Pick your path.
Apply in a click.
Choose an application from the menu below. Hit Start Application, complete a 90-second quick app, and you'll see real quotes on screen instantly — buy and bind in the same session.
For U.S.-based organizations conducting youth or adult amateur sports activities. Participant Liability extends to the Named Insured, employees, volunteers, coaches, officials, and athletic participants — plus accident & medical for participants. Covers scheduled, sanctioned, organized and supervised instruction, practices, try-outs, clinics, games, play-offs and tournaments — and related non-athletic events such as registrations, meetings, awards banquets and ceremonies.
Available in all 50 states.
- General LiabilityUp to $1M / $3M
- Athletic Participant LiabilityIncluded
- Excess LiabilityUp to $5M / $5M
- Abuse & MolestationUp to $1M / $2M
- Accident Medical Expense BenefitUp to $100,000
- Hired & Non-Owned Auto$1M per occurrence
- Liquor Liability$1M available
- Waiver of SubrogationAvailable
What coverages
should I have?
Pick the category that best describes your operation. We'll walk through the coverages we recommend, what each one actually does, and why it matters — in plain English, no jargon.
For Sports Programs
You're running the activity — schedules, refs, registrations, parents, kids on a field. Your insurance has to cover the people in the game, the people on the sideline, and the volunteers helping you run it.
General Liability
Pays for bodily injury or property damage you cause to a third party — a parent slips, a passerby gets hit by a foul ball, your tent damages a venue's floor.
Foundational. Almost every facility, school, or city park you rent will require it as a condition of using the space.
Athletic Participant Liability
Extends General Liability to participant-on-participant injuries during scheduled, sanctioned activities — coach, official, athlete, or volunteer.
Standard GL excludes the very thing youth sports does. Without this, a player-on-player collision claim is on you, not the carrier.
Excess Liability
Sits on top of your GL and pays out after the underlying limits are exhausted — typically up to $5M.
One catastrophic injury can blow through a $1M limit. Excess is cheap protection against the worst-day scenario.
Abuse & Molestation
Coverage for claims alleging sexual or physical abuse — defense costs and settlements — with required background-check protocols.
Increasingly mandated by leagues, schools, and parents. It's also the single most expensive uninsured claim a youth program can face.
Accident Medical Expense (AME)
Pays a participant's medical bills for an injury sustained in your activity — first dollar, no fault required.
Keeps medical bills from turning into liability claims. Parents are far less likely to sue when bills are already being paid.
Hired & Non-Owned Auto
Covers liability when a volunteer, coach, or parent drives their own vehicle on your behalf — to a tournament, to pick up gear.
Your General Liability does not cover anything that happens behind the wheel. This closes that gap without owning a fleet.
Liquor Liability (optional)
Covers liability arising from serving alcohol — fundraisers, awards banquets, end-of-season parties.
Critical anywhere alcohol is sold or served. Most venue contracts require it if alcohol is in the picture.
Risk management, stacked.
The exact limits and coverage lines we recommend for a sports programs operation — pre-priced into our Application 01.
- 01General Liability — $1M / $3M with Athletic Participant Liability included
- 02Excess Liability — $5M / $5M
- 03Abuse & Molestation — up to $1M / $2M
- 04Accident Medical Expense — up to $100,000
- 05Hired & Non-Owned Auto — $1M per occurrence
- 06Liquor Liability — $1M (if applicable)
- 07Waiver of Subrogation — for venue / facility contracts
Multi-state operation, prior-claim history, an unusual sport or event, or a coverage need outside the standard stack? Reach out — a real underwriter on our NAYS desk will design a program that fits.
A note from John Engh.
"For more than 40 years, NAYS has stood for one simple idea: kids deserve the best possible experience in sports. The right insurance partner makes that possible — protecting the coaches, organizations, and volunteers who make youth sports happen every day. Matterhorn understands our community and gives our members real coverage at real value."
Become a member.
Unlock the program.
NAYS membership is the front door to four decades of youth-sports advocacy, training, and trusted resources — and it's the key that unlocks Matterhorn's best-in-market coverage program. Drop your email below and we'll get you registered fast.
Become a NAYS member
in under 5 minutes.
Tell us your sport and a few details. We'll send you the NAYS member sign-up link, register your organization with the right code, and tee up your Matterhorn coverage quote in the same email.
NAYS Member Benefits
- NYSCA coach training & certification
- NYSAA administrator credential
- Parent education & code-of-ethics
- Background-check program (NCSI)
- Tournament & event sanctioning
- Free sports parenting resources
- League director playbooks
- Member-only training discounts
Coverage Program for NAYS Members
- Best-in-market pricing for NAYS members
- Instant quotes on most submissions
- Athletic Participant Liability included
- Abuse & Molestation built into the stack
- Excess Liability up to $5M / $5M
- Property + Business Income for facilities
- Group Travel & Athlete Travel programs
- Bind & download docs in one session
How we've shown up
for the field.
A snapshot of how each application performs in the field — one anonymized example per program, with the limits, turnaround times, and outcomes pulled straight from how it actually played out.
Youth Soccer Alliance
Previous carrier non-renewed mid-season after a single roster expansion. They needed full GL with Athletic Participant Liability, $1M/$2M Abuse & Molestation, and Excess to $5M — bound before the next tournament weekend.
Submitted the NAYS quick app on a Wednesday afternoon. Quotes came back on screen in under two minutes, the board reviewed overnight, and Matterhorn bound the program first thing Thursday morning — three days before kick-off.
Saved the season. The alliance kept their tournament weekend, signed up 220 additional players the following quarter, and renewed at 12% under what the incumbent had quoted.
Quick answers,
straight talk.
Email support@matterhornprotects.com and a real, named underwriter on the NAYS desk responds — usually inside the hour.
Instant quotes, best pricing, NAYS member advantage.
Four application paths. Complete a quick app, see real quotes on screen instantly, and buy & bind your policy in the same session.