All posts by Gabby


The Long-Term Benefits of Participating in Youth Sports

Of all the American families with school-age children, three-quarters have at least one child that actively participates in a youth sport of some kind. Participation in youth sports has been growing over the years, resulting in nearly 50 million kids currently involved. In addition to being a source of fun and enjoyment for children, playing a youth sport can also provide several long-term benefits for all of those who are involved.
 In the United States, one out of every three children is considered overweight. Youth sports can help to combat the very troubling trend of childhood obesity. Instead of living a sedentary lifestyle, children who participate in youth sports are highly active. This helps promote physical health, increases social interaction, and provides children with a relatively safe and healthy way to keep themselves busy.
Engaging in physical activity has been shown to have immense positive effects on physical health, and engaging in youth sports is a perfect way for children to participate in strenuous yet beneficial physical activity. These benefits include, but are not limited to, a reduced risk of diabetes, obesity, breast cancer, heart disease, osteoporosis, and many other illnesses/ailments. Studies have also found that children who participate in youth sports are more likely to continue participating in that sport later on in life, and they are also more likely to live a healthier lifestyle in general as adults.
In addition to the physical benefits, there are many long-term psychological benefits to participating in youth sports. Participation in youth sports has been shown by studies to not only reduce the risk of depression, but also the risk of suicidal tendencies. Youth sports can help provide a strong social support system for children, resulting in increased friendships, peer interaction, and mental resilience. All of these factors contribute to increased mental health later in life. Finally, studies have shown that participation in sports as a child leads to increased time management skills, goal setting, emotional resilience, leadership and teamwork skills, and strong work habits. All of these benefits from participating in youth sports can help to set up children for success later in life.

Helping Prevent Injury in Youth Sports

Generally, when kids engage in sports with other children, the only things they are focused on are having fun and winning. Because of this, safety is often the last thing on a child’s mind while playing. This means that the responsibility of helping avoid sports-related injuries falls onto the parents of the children and the team coaches. Sports injuries can lead to concussions, broken bones, and in some cases even paralysis or worse. By following these tips, you can help your child avoid getting injured while playing youth sports!

Educate Your Children on the Importance of Safety – You don’t want to scare your kids away from participating in sports, but you should make sure they know the importance of being safe while playing. Make sure they know the safety guidelines related to their respective sport and that it’s important that they are followed!

Make Sure Your Children are Medically Cleared – It is highly recommended that, before participating in any sport, children should receive a full physical from a healthcare provider. This can result in ruling out any undiagnosed conditions such as heart ailments that could be provoked by physical activity.

Know the Rules – It is very important to ensuring safe play that your children knows and understands the rules of the sport they are playing. Consider sitting down with your children and teaching them the rules of the game before they participate in a sport.
Use Appropriate Protective Gear – Many sports have a set of protective gear that players are required to wear to ensure safety. For example, shin guards are required for soccer, helmets are required for baseball, and a selection of pads are required for youth football. Most sports also require wearing some form of cleats for traction. Making sure your child has all of the necessary, and in working condition, protective gear for their sport is imperative.

Don’t Play if Injured – If your child is complaining about being overly tired or in pain, it is best for them to avoid playing sports until they feel better. While they may wish to still play, competing or practicing while injured or fatigue is only likely to lead to worsening the injury or developing a new one. It is best to rest and play again only when back in healthy condition!

By following these tips, you can minimize risk and ensure that your child stays happy and healthy while participating in sports. It may also be beneficial to enroll in a sports insurance program just incase someone on the team or league suffers an injury.

Football and Cheerleading Applications Now Available Online

Gagliardi Insurance is now offering an online application for youth football team insurance. The application can be found on Gagliardi’s website by clicking on the “football” icon on the homepage, and it is available to the following organization types; organizations that have tackle teams, flag teams and cheer squads, strictly tackle football organizations, strictly flag football organizations, and strictly cheerleading organizations. By using the online application portal, individuals can obtain instant insurance quotes for their respective organizations. Additionally, applications can be immediately bound, and individuals can pay a small expedited delivery fee to receive proof of coverage the same day. Current Gagliardi Insurance members looking to renew their policies, current members looking to add onto an active policy, and prospective members seeking coverage for their organizations may use the 2018-2019 Football and Cheerleading Application.
The football insurance policies come standard with general liability, excess liability, and accidental medical coverage. A full summary of the program coverage is as follows:
  • $2,000,000 General Liability Aggregate Limit
  • $1,000,000 General Liability per Occurrence Limit
  • $5,000,000 Excess Liability coverage – $6,000,000 Per Occurrence, $7,000,000 Aggregate
  • $100,000 Accident Medical Limit
  • $25,000 Accidental Death and Dismemberment
  • $1,000,000 Catastrophic Medical Limit – increases the accident medical limit to $1,000,000
  • $0 | $100 | $250 | $500 Available Accident Medical Deductible Options
  • $1,000,000 Personal and Advertising Injury Limit
  • $1,000,000 Products/Completed Operations Aggregate Limit
  • $300,000 Coverage for Damage to Rented Premises Limit
  • $5,000 Spectator Medical
  • $1,000,000 Add-on Available Non-Owned and Hired Auto Limit
  • $1,000,000 Abuse and Molestation Coverage Aggregate Limit
  • $1,000,000 Participant Legal Liability
  • Included Terrorism Risk Insurance Act (TIRA)
  • $25,000 or $50,000 Fidelity Bond
  • $1,000,000 Directors and Officers Coverage
  • $100,000 Add-on Available Cyber Liability Endorsement
  • Sports Equipment Coverage Based on Value of Covered Equipment
Gagliardi Insurance was founded by D.C. Gagliardi in San Jose, California in 1954. Gagliardi supported the local agricultural community, focusing on commercial and personal lines of business, and became a very well respected leader of the insurance industry in the valley. Since then, the business has been passed down through the generations of the Gagliardi family and has become one of the foremost businesses in the country that provides specialty insurance involving sports, entertainment and special events. Today, the business is run by the fourth generation of the Gagliardi family with offices in both San Jose, California and Philadelphia, Pennsylvania.

2018 Baseball & Softball Applications

It’s hard to believe after a weekend of freezing weather, but Spring is really just around the corner. Now’s the time to finalize your youth baseball or softball organization’s insurance for Spring 2018. Our online portal allows you to access both digital and print applications.

Both prospective members and those looking to renew or add on to their existing Gagliardi Insurance policy can click here to apply online. Prefer to download a print app and mail it in to us? Instant access to the 2018 Baseball and Softball Insurance Application can be found here.

Our application were created to be as concise and clear as possible. If you need assistance in filling out an application, don’t hesitate to contact us. Send us a message by clicking here.

Reach our Philadelphia and San Jose offices by calling (800) 995-9768, Monday through Friday from 8am – 5pm.