I’m Playing in a Thanksgiving Football Game…Now What?
Will you participating in any football games this year? Thanksgiving has some of us feeling nostalgic. Whether you’re inspired to head outside with the family after watching NFL games or you’re taking part in an alumni game at your old high school, would you be covered if you were hurt? May not be the first thing on your mind, but especially if it’s been awhile since you have tossed around the old pig skin, it may be something you want to think about.
First, let’s discuss a scenario in which you are playing football with family and friends at your home. IF a non-household member was hurt on your property your Massachusetts Home insurance provides immediate medical payment coverage for things like the ambulance and the hospital trip. If severe, the homeowners insurance policy provides liability coverage if you are sued or found negligent. An example of being “negligent” would be an undetected dip or hole in your yard that causes a broken ankle or leg.
In the case of an alumni football game, the person hosting the game would be held responsible for the person being injured. There is no coverage from the homeowner’s policy off premise, since it would be a school sponsored activity it would fall under their insurance. If you or a family member were to hurt someone else in a personal activity like playing golf strictly inadvertently and without malice, the home insurance policy would respond.
As you can see the second scenario is a little more complicated. IF you do have concered about your liability in this situation, give us a call and we can help you sort it out. Our experts agents can not only get you the coverage you need, but also help you make sure it’s enough and the right coverage. Call us at 888.865.1244 today!
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