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American Specialty
 

Fastcov FAQs                    Click here to view a glossary of common insurance terms.

 




All Programs

  • Can I pay by credit card?
    Yes, we accept both Visa and MasterCard as forms of payment, in addition to Electronic Funds Transfer from your organization's checking account.
  • Can I apply for coverage over the phone?
    No, this is an online program. We are unable to take your information over the phone. Feel free to call the number listed on the "Contact Us" screen, or send an e-mail, for assistance with the website or with general program questions.
  • How soon does coverage start?
    • Sports Teams & Leagues: Coverage starts the day after coverage is purchased or on a later date, if requested. If you are holding tryouts or practices prior to the official start of your season, you should choose an effective date prior to the date of your first team or league activity. The policy will be effective for one year from the effective date and covers only the specific league and/or teams for which coverage is being purchased.
    • Sports Tournaments & Events: If purchased early enough, coverage starts 5 days prior to the event to allow for event setup. If coverage is purchased within 5 days of the event start date, as many days as possible will be added to the effective date for setup. Coverage ends 5 days after the conclusion of your event to allow for tear down.
    • Sports Camps & Clinics: Coverage starts the day after coverage is purchased or on a later date, if requested. Coverage expires on the date that you specify, which should be after the conclusion of all of your scheduled clinics.
    • Short-Term Special Events: If purchased early enough, coverage starts 5 days prior to the event to allow for event setup. If coverage is purchased within 5 days of the event date, as many days as possible will be added to the effective date for setup. Coverage ends 5 days after the conclusion of your event to allow for tear down.
    • Vendors & Exhibitors: Coverage starts the day after coverage is purchased or on a later date, if requested. Coverage remains in effect for the duration of your event, for 6 months, or for a full year, depending on the coverage option you choose.
    • Gymnastics Facilities: Coverage starts the day after coverage is purchased or on a later date, if requested. The policy will be in force for one year from the effective date.

  • When will we receive proof of coverage?
    After you have completed the online payment process, you will be able to view and print your coverage certificate(s) and/or your coverage binder(s). You should either print these documents or save a copy of them electronically for your files. You will also be able to request and print or save any required additional insured certificates or evidence of insurance coverage certificates.
  • Will we receive a policy after submitting the enrollment form?
    For Sports Teams & Leagues, Sports Camps & Clinics, Gymnastics Facilities and Vendors & Exhibitors (6-month or annual options) you will receive an individual policy issued to your insured. For Short-Term Special Events, Sports Tournaments & Events, and Vendors & Exhibitors (single event option), you will receive a certificate of coverage for your insured as part of a Master Policy.
  • What is a general aggregate?
    A "general aggregate" is the maximum amount to be paid under any policy period for all losses.
  • The facility I am using for the event has asked me to add them as an additional insured to my policy. What does this mean?
    An "additional insured" is an entity that has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing entities with additional insured status, they become entitled to defense and indemnity (if the policy limits are not exhausted) under your policy with no responsibility for premium payments.

Sports Teams & Leagues

  • Our organization has not had tryouts, and we are not sure how many participants we will have for each sport and age group. How should we report our number of participants?
    Report the maximum number of participants for each age group and sport according to your projected rosters.
  • If we need to request another certificate of insurance for a field or gym that we are using, how do we do this?
    Additional certificates can be requested under the "Policyholders" tab on the website. In the "Confirmation Number" field, type the confirmation number that you received when you first purchased coverage. Click the "Create Certificates of Insurance" button and complete the form to create a certificate.

Sports Tournaments & Events

  • What happens if I need to cancel or reschedule my tournament or event?
    If the rescheduled event date(s) still falls within the effective and expiration dates of the coverage certificate that you initially purchased, your event will still be covered and no action is required. If the event is canceled entirely or rescheduled outside of the current coverage window, please contact us at 877-441-4011 or fastcov@fastcov.com to discuss your options.
  • Is Abuse and Molestation coverage available?
    Yes, Abuse and Molestation coverage can be purchased for an additional premium, subject to underwriting guidelines.
  • If we need to request another certificate of insurance for a field or gym that we are using, how do we do this?
    Additional certificates can be requested under the "Policyholders" tab on the website. In the "Confirmation Number" field, type the confirmation number that you received when you first purchased coverage. Click the "Create Certificates of Insurance" button and complete the form to create a certificate.

Sports Camps & Clinics

  • What happens if I need to cancel a camp or clinic?
    Please contact us at 877-441-4011 or fastcov@fastcov.com to discuss your options.
  • Is Abuse and Molestation coverage available?
    Yes, Abuse and Molestation coverage can be purchased for an additional premium, subject to underwriting guidelines.
  • If we need to request another certificate of insurance for a field or gym that we are using, how do we do this?
    Additional certificates can be requested under the "Policyholders" tab on the website. In the "Confirmation Number" field, type the confirmation number that you received when you first purchased coverage. Click the "Create Certificates of Insurance" button and complete the form to create a certificate.

Short-Term Special Events

  • What happens if I need to cancel or reschedule my event?
    If the rescheduled event date(s) still falls within the effective and expiration dates of the coverage certificate that you initially purchased, your event will still be covered and no action is required. If the event is canceled entirely or rescheduled outside of the current coverage window, please contact us at 877-441-4011 or fastcov@fastcov.com to discuss your options.
  • If we need to request another certificate of insurance for a facility that we are using, how do we do this?
    Additional certificates can be requested under the "Policyholders" tab on the website. In the "Confirmation Number" field, type the confirmation number that you received when you first purchased coverage. Click the "Create Certificates of Insurance" button and complete the form to create a certificate.

Gymnastics Facilities

  • What is "average monthly enrollment" and how do I calculate it?
    Average monthly enrollment is the participant number that we use to determine your exposure and calculate your premium. To calculate, add your monthly enrollment for each type of activity for the prior 12-month period, and divide by 12 to obtain the monthly average.
  • What is the difference between an overnight camp and an overnight sleepover/lock-in?
    Overnight camps are camps where either you are traveling with your students to an off-site location for an event, or are hosting students in your town for a competition. Facilities who either travel to or host overnight camps are not eligible for coverage in this program. Overnight sleepovers/lock-ins are events where you host current students overnight at your at your facility as a group activity. Sleepovers and lock-ins are eligible for coverage in this program.
  • If I operate more than one location, can I cover them together on the same policy?
    Yes, insureds who operate multiple locations are able to purchase coverage for more than one location under the same policy. Just follow the directions for adding additional locations during the rating process.
  • Can I include coverage for our facility's Booster Club under this program?
    Yes, coverage for Booster Clubs can be included for additional premium. Your Booster Club will need to have a separate entity name in order to be included as a Named Insured.
  • Is Abuse and Molestation coverage available?
    Yes, Abuse and Molestation coverage can be purchased for an additional premium, subject to underwriting guidelines.
  • Is Non-Owned and Hired Automobile coverage available?
    Yes, Non-Owned and Hired Automobile coverage can be purchased for an additional premium, subject to underwriting guidelines.
  • If we need to request another certificate of insurance, how do we do this?
    Additional certificates can be requested under the "Policyholders" tab on the website. In the "Confirmation Number" field, type the confirmation number that you received when you first purchased coverage. Click the "Create Certificates of Insurance" button and complete the form to create a certificate.

Vendors & Exhibitors

  • If we need to request another certificate of insurance, how do we do this?
    Additional certificates can be requested under the "Policyholders" tab on the website. In the "Confirmation Number" field, type the confirmation number that you received when you first purchased coverage. Click the "Create Certificates of Insurance" button and complete the form to create a certificate.

 
 
 
 
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