A-G Administrators is now A-G Specialty Insurance

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Don’t Overspend on Sports Insurance!

A-G provides industry-leading insurance options for student-athletes, featuring cost-saving plans customized to give you the perfect coverage.

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Secondary (Excess Accident) Injury Insurance

The NCAA, NAIA, and NJCAA require schools to offer student-athletes comprehensive athlete insurance coverage up to the catastrophic deductibles set by the associations. However, many schools typically choose blanket excess accident insurance that overlooks the specific risks inherent in various sports, often resulting in coverage gaps. Consequently, athletes may be underinsured for severe injuries when policy limits fail to meet their needs.

Athlete insurance needs vary greatly, depending on the sport. Contact sports demand more comprehensive coverage due to higher injury risks, while non-contact sports need protection against overuse and accidental injuries. Schools benefit from highly customizable sports insurance plans, ensuring all athletes receive adequate and appropriate coverage.

A-G offers flexible college sports insurance plans that can be customized to the specific needs of student-athletes while complying with the major U.S. collegiate sports governing bodies.

Our flexible athlete insurance policies give comprehensive protection and financial security for student-athletes in any sport, providing peace of mind against injuries.

Plan features may include:
  • Seamless student-athlete insurance, with benefits up to $25,000 for NAIA/NJCAA and $90,000 for NCAA to cover catastrophic insurance deductibles
  • Options for fully insured deductibles, both per claim and aggregate
  • Benefit periods of one, two, or three years, extendable beyond
  • Enhanced coverage for injuries due to overuse, repetitive stress, and overexertion
  • Additional coverage for heart and circulatory issues
  • Inclusion of pre-existing conditions
  • Extended coverage for expenses not covered by HMOs/PPOs
  • Coverage for guests/recruits, including during official visits and tryouts
  • Accidental death and dismemberment benefits

Catastrophic Injury Insurance

Participating in college sports improves a student-athlete’s fitness and discipline, develops leadership skills, and often qualifies them for athletic scholarships. However, it also exposes these students to the risk of serious injuries. Catastrophic Injury Insurance is available to NCAA, NAIA, and NJCAA member schools to mitigate the risks. This insurance covers student-athletes, coaches, athletic trainers, team managers, cheerleaders, and mascots involved in officially sanctioned activities. It’s a vital safety net, protecting against the financial impact of major injuries, such as severe spinal or brain trauma.

Smoother Claims Processing

Catastrophic insurance is central to the NAIA, NJCAA, and NCAA insurance policy frameworks. By partnering with these sports governing bodies, we ensure the claims process is streamlined and efficient. This collaboration means that student-athletes and related personnel receive prompt, comprehensive support, allowing them to focus on recovery without stressing over money matters.

Coverage for Non-Association Events

The coverage options vary, with deductibles set at $90,000 for the NCAA and $25,000 for NAIA and NJCAA. These plans carry lifetime benefits for student-athletes who become disabled during practice or competition.

Securing additional Catastrophic Injury Insurance from A-G is a smart move if your school participates in events not affiliated with your association, like camps, clinics, or those organized by outside groups. This extra coverage protects your school’s team during activities, such as an NAIA tournament, that fall outside your official season schedule and would otherwise not be covered.

We also strongly advise catastrophic coverage for interscholastic sports, non-NJCAA two-year colleges, and preparatory institutions. With A-G, you’ll find athlete insurance customization to suit your needs.

Plan benefits can include:
  • Options for 5-year, 10-year, or lifetime benefits
  • Catastrophic coverage ranging from $1 million to $10 million
  • A variety of deductible choices
Specific benefits can cover:
  • College education funding
  • Home and vehicle adaptation remodeling

Our plan offers disability benefits and cash coverage for catastrophic injuries, addressing loss of income, medical care, and family expenses.

Participant Injury Insurance

Our Participant Injury Insurance is designed to reduce or eliminate the out-of-pocket expenses participants might face due to injuries in events sponsored by your organization. This insurance offers financial relief to the injured parties and safeguards your organization against potential liability claims. Recognizing the diverse needs for injury coverage, we offer customizable programs that are flexible enough to align with your specific requirements.

Key features of our plan:
  • Flexible Benefits: Our plans come with adjustable benefits, catering to the unique needs of different groups and ensuring comprehensive coverage.
  • Comprehensive Deductible Options: We provide fully insured options for both individual claims and aggregate deductibles, giving you control over your coverage levels.
  • Variable Benefit Periods: Choose from benefit periods of one, two, or three years, with the flexibility to extend coverage as needed, ensuring long-term protection.
  • Expanded Coverage: Our insurance covers expenses not typically covered by HMOs/PPOs, offering a broader safety net for your participants.
  • Travel Coverage: Participants are covered during travel to and from officially sanctioned events, ensuring peace of mind every step of the way.
  • Accidental Death & Dismemberment Benefits: In the unfortunate event of serious accidents, our plan includes benefits for accidental death and dismemberment, providing essential financial support during difficult times.

At A-G, we aim to provide an athlete insurance solution that meets and exceeds your expectations. We ensure that your organization and its participants are well-protected during all officially sponsored activities.

Our experienced staff will assist you in determining the right solution for your campus.

A-G Specialty Insurance, A-G for ‘Always Game’. The team led by Dixon and Jake, are always game for a challenge, always game for performance at the highest level, and most importantly based on my experience and one who considers A-G a trusted partner of the University of Pennsylvania, always game for positive results and outcomes. A-G Specialty Insurance focus is client centric.

Benjamin Evans

Associate Vice President- Office of Risk Management and Insurance

The University of Pennsylvania

Without a doubt, I can tell you that A-G Specialty Insurance is awesome! The staff at A-G is professional and courteous, focused on facilitating the care the athletes need, and they do it in a manner that saves their schools and organizations money…all while making the collection process easy for my staff. What else can I say — they get it and they are great!

Dr. William C. Meyers

Core Muscle Injury Surgeon

Founder, The Vincera Institute

For the past ten years, I have had the pleasure of working closely with A-G Specialty Insurance as they provide stellar service for the District’s student sports insurance needs.They understand the value of providing outstanding products that are competitively priced, benefiting a school budget that relies heavily on local funds. As a local, multi-generation family business, they have consistently provided reliable and committed service while working with our families to deliver the best possible outcome in their time of need.

Arthur J. McDonnell

Business Manager

Tredyffrin Easttown School District

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A-G has the experience to offer the best custom coverage for every program and the best customer service to ensure a worry-free process for every claim. The nation’s most competitive K-12, collegiate and youth programs Achieve Greatness with A-G!

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