Coverage requirements

Team Sports Equipment Dealers

Retail69% completeness

Last updated August 2026 · Maintained and reviewed by the Advocate Insurance Consultants coverage research team.

Overview

What an adequately protected Team Sports Equipment Dealers program looks like

Team dealers supply uniforms, athletic apparel, and specialized sports gear to schools, professional and amateur teams, and community recreation programs. Operations involve frequent travel and the use of heat-generating equipment for customization. Automobile liability and property are the leading exposures, driven by frequent travel and heat-related equipment hazards. Team sports equipment dealers can measure their program against this Advocate Standard profile, which benchmarks Auto Liability, General Liability, Worker's Compensation, Fidelity Bond, Physical Property and grounds limits, deductibles, and carrier-quality standards in the exposures that most threaten continuity.

Key takeaways

Spans 258 published requirements across 41 coverage type-peril pairs.
Applies to 3 asset types: Amusement / Recreation Facility, Manufacturing, Retailer.
Covers 15 coverage types and 14 distinct perils.

At a glance

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Requirements: 0
Coverage types: 0
Perils: 0
Asset types

Completion score

9 of 41 WIM pairs required

Coverage tower

Required limits by coverage type and peril

Property8 coverage types

Fidelity Bond

Overall limit$100K

Business Income

Flood≥ Business Income Amount for Buildings in an SFHA

TRIA - Property≥ Business Income Amount

Earthquake≥ Business Income Amount

Named Storm≥ Business Income Amount

Water / Sewer Backup≥ Business Income Amount

Wildfire≥ Business Income Amount

Wind Hail≥ Business Income Amount

Overall limit≥ Business Income Amount

Physical

Flood≥ RCV / Insurable Value of First 2 Floors Above Grade + any Floors Below Grade of Buildings Located in an SFHA

TRIA - Property≥ RCV of Existing Structure / Insurable Value

Earthquake≥ RCV of Existing Structure / Insurable Value

Named Storm≥ RCV of Existing Structure / Insurable Value

Water / Sewer Backup≥ RCV of Existing Structure / Insurable Value

Wildfire≥ RCV of Existing Structure / Insurable Value

Wind Hail≥ RCV of Existing Structure / Insurable Value

Overall limit≥ RCV of Existing Structure / Insurable Value

Builder's Risk

Overall limit≥ RCV of Existing Structure / Insurable Value

Business Personal Property

Overall limit≥ RCV of Existing Structure / Insurable Value

Inland Marine

Fire≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Theft≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Water Damage≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Overall limit≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Limited Fungus

Overall limit$15K

Ordinance or Law

Earthquake≥ RCV of Existing Structure / Insurable Value

Flood≥ RCV of Existing Structure / Insurable Value

Named Storm≥ RCV of Existing Structure / Insurable Value

Wind Hail≥ RCV of Existing Structure / Insurable Value

Overall limit≥ RCV of Existing Structure / Insurable Value

Liability7 coverage types

General Liability

Overall limit$4M

Assault & Battery$5M

Pollution Liabiltiy

Overall limit$1M

Auto Liability

Hired & Non-Owned Auto$5M

Owned Auto$5M

Overall limit$5M

Disability Liability

Overall limit$2M

Employer's Liability

Overall limit$2M

Worker's Compensation

Overall limit$500K

Terrorism Liability

TRIA - Liability$2M

Overall limit$2M

Requirements

Full requirement set for Team Sports Equipment Dealers

Every requirement in the Advocate standard, 258 rows across limits, deductibles, carrier rating, and presence checks. Search and filter to drill in.

Group

Type

Peril

Showing 50 of 258 matching · 258 total

Requirement	Peril	Requirement type	Applicability	Requirement
Property › Builder's RiskAcceptable Blanket Builder's Risk Deductible	Overall	Deductible	Blanket	Blanket Builder's Risk deductible must not exceed $50,000.
Property › Builder's RiskAcceptable Blanket Builder's Risk Deductible	Overall	Deductible	Blanket	Blanket Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income Deductible	Overall	Deductible	Blanket	Blanket Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income Deductible	Overall	Deductible	Blanket	Blanket Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income Earthquake Deductible	Earthquake	Deductible	Blanket	Blanket Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Earthquake Deductible	Earthquake	Deductible	Blanket	Blanket Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Named Storm Deductible	Named Storm	Deductible	Blanket	Blanket Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Named Storm Deductible	Named Storm	Deductible	Blanket	Blanket Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Wind Hail Deductible	Wind Hail	Deductible	Blanket	Blanket Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Wind Hail Deductible	Wind Hail	Deductible	Blanket	Blanket Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Blanket Business Personal Property Deductible	Overall	Deductible	Blanket	Blanket Business Personal Property deductible must not exceed $50,000.
Property › Business Personal PropertyAcceptable Blanket Business Personal Property Deductible	Overall	Deductible	Blanket	Blanket Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Blanket Inland Marine Deductible	Overall	Deductible	Blanket	Blanket Inland Marine deductible must not exceed $50,000.
Property › Inland MarineAcceptable Blanket Inland Marine Deductible	Overall	Deductible	Blanket	Blanket Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Blanket Limited Fungus Deductible	Overall	Deductible	Blanket	Blanket Limited Fungus deductible must not exceed $50,000.
Property › Limited FungusAcceptable Blanket Limited Fungus Deductible	Overall	Deductible	Blanket	Blanket Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Blanket Ordinance or Law Deductible	Overall	Deductible	Blanket	Ordinance or Law deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Blanket Ordinance or Law Deductible	Overall	Deductible	Blanket	Ordinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical Deductible	Overall	Deductible	Blanket	Blanket Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical Deductible	Overall	Deductible	Blanket	Blanket Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical Earthquake Deductible	Earthquake	Deductible	Blanket	Blanket Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Blanket Physical Earthquake Deductible	Earthquake	Deductible	Blanket	Blanket Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Blanket Physical Named Storm Deductible	Named Storm	Deductible	Blanket	Blanket Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Blanket Physical Named Storm Deductible	Named Storm	Deductible	Blanket	Blanket Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Blanket Physical Wind Hail Deductible	Wind Hail	Deductible	Blanket	Blanket Physical Wind Hail deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Blanket Physical Wind Hail Deductible	Wind Hail	Deductible	Blanket	Blanket Physical Wind Hail deductible must not exceed 5% of the insured value.
Property › Builder's RiskAcceptable Scheduled Builder's Risk Deductible	Overall	Deductible	Scheduled	Scheduled Builder's Risk deductible must not exceed $50,000.
Property › Builder's RiskAcceptable Scheduled Builder's Risk Deductible	Overall	Deductible	Scheduled	Scheduled Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income Deductible	Overall	Deductible	Scheduled	Scheduled Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income Deductible	Overall	Deductible	Scheduled	Scheduled Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income Earthquake Deductible	Earthquake	Deductible	Scheduled	Scheduled Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Earthquake Deductible	Earthquake	Deductible	Scheduled	Scheduled Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Named Storm Deductible	Named Storm	Deductible	Scheduled	Scheduled Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Named Storm Deductible	Named Storm	Deductible	Scheduled	Scheduled Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Wind Hail Deductible	Wind Hail	Deductible	Scheduled	Scheduled Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Wind Hail Deductible	Wind Hail	Deductible	Scheduled	Scheduled Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Scheduled Business Personal Property Deductible	Overall	Deductible	Scheduled	Scheduled Business Personal Property deductible must not exceed $50,000.
Property › Business Personal PropertyAcceptable Scheduled Business Personal Property Deductible	Overall	Deductible	Scheduled	Scheduled Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Scheduled Inland Marine Deductible	Overall	Deductible	Scheduled	Scheduled Inland Marine deductible must not exceed $50,000.
Property › Inland MarineAcceptable Scheduled Inland Marine Deductible	Overall	Deductible	Scheduled	Scheduled Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Scheduled Limited Fungus Deductible	Overall	Deductible	Scheduled	Scheduled Limited Fungus deductible must not exceed $50,000.
Property › Limited FungusAcceptable Scheduled Limited Fungus Deductible	Overall	Deductible	Scheduled	Scheduled Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Scheduled Ordinance or Law Deductible	Overall	Deductible	Scheduled	Ordinance or Law deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Scheduled Ordinance or Law Deductible	Overall	Deductible	Scheduled	Ordinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical Deductible	Overall	Deductible	Scheduled	Scheduled Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical Deductible	Overall	Deductible	Scheduled	Scheduled Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical Earthquake Deductible	Earthquake	Deductible	Scheduled	Scheduled Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Earthquake Deductible	Earthquake	Deductible	Scheduled	Scheduled Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Named Storm Deductible	Named Storm	Deductible	Scheduled	Scheduled Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Named Storm Deductible	Named Storm	Deductible	Scheduled	Scheduled Physical Named Storm deductible must not exceed 5% of the insured value.

208 more requirements

Compliance

Who requires Team Sports Equipment Dealers

Schools, universities, and recreation programs contracting a team dealer for uniforms and gear often require proof of general and products liability, sometimes naming themselves as additional insured.
Manufacturers and apparel suppliers providing stock on trade terms may request coverage confirmation.
Leagues and athletic associations partnering with a dealer can set liability expectations.
Lenders financing delivery vehicles, embroidery and heat-press equipment, or inventory record their interest on auto and property schedules.
Because staff travel frequently to serve teams and use heat-generating customization equipment, auto liability carriers and institutional clients rely on the dealer maintaining commercial auto, products, and premises liability coverage.

Carrier standard. Carrier must have AM Best rating >= A- and size >= VII.

Advocate runs these checks automatically for the brokers who place retail coverage.

Exclusions

What Team Sports Equipment Dealers does not cover

Storefront coverage includes general liability, business personal property, and inland marine, but travel and customization add exposures.
Auto liability must reflect frequent delivery and service travel, and hired and non-owned auto covers staff using personal vehicles.
Heat presses, embroidery machines, and sublimation equipment create burn and fire hazards that keep property fire and workers' compensation exposures live.
Products liability for defective protective gear, such as a helmet or pad that fails to protect, must carry a real limit given the injury potential.
Flood and earthquake are excluded.
Inventory at events or customer sites may fall outside a fixed-location form.
A breach of card data or online-order records would need a cyber line, and the package does not include one.

Risk advisory

Typical coverage gaps in Retail

Team sports equipment dealers should confirm auto liability and hired and non-owned coverage reflect frequent travel to schools, teams, and events, since driving is a leading exposure.

Verify products liability answers claims from defective protective equipment, because a helmet, pad, or guard that fails to protect can cause serious injury and a significant claim.
Heat-press and customization equipment create burn and fire hazards, so review property fire terms and keep workers' compensation robust.
Add coverage for inventory at tournaments, sales events, or customer sites, which a fixed-location form may exclude.
Business income should reflect concentrated back-to-school and season-start demand.
Add cyber liability for online team stores and card payments, and schedule customization equipment against breakdown and damage.

FAQ

Frequently asked questions

What insurance does a team sports equipment dealer need?

A team dealer typically needs commercial auto plus hired and non-owned auto for frequent travel, general liability, products liability for protective gear, property coverage addressing heat-press and customization hazards, workers' compensation, business income sized to seasonal demand, and cyber liability for online team stores.

Does team dealer insurance cover defective protective gear?

Products liability responds to claims that protective equipment sold, such as a helmet or pad, failed and allowed an injury. Given the safety-critical nature of athletic protective gear, confirm this coverage is present at a limit that reflects the serious injury potential of a failure during play.

Are heat presses a coverage concern for team dealers?

Yes. Heat presses, embroidery machines, and sublimation equipment generate high heat, creating burn hazards for workers and a fire risk on the premises. Dealers should keep workers' compensation robust, review property fire terms, and consider equipment-breakdown coverage for the customization machinery they depend on.

Maintained by

About this coverage standard

This profile is maintained by the Advocate Insurance Consultants coverage research team, which maintains the Coverage Library benchmarks against the World Insurance Model taxonomy and reviews each standard against live market placements. It is general guidance, not legal or coverage advice. Verify requirements against the actual policy and contract.

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What an adequately protected Team Sports Equipment Dealers program looks like

Required limits by coverage type and peril

Full requirement set for Team Sports Equipment Dealers

Who requires Team Sports Equipment Dealers

What Team Sports Equipment Dealers does not cover

Typical coverage gaps in Retail

Frequently asked questions

About this coverage standard

Related coverage profiles

Benchmark-driven advice.Free tier available.

Benchmark-driven advice.
Free tier available.