Protects you in the event of a lawsuit or property damage.
In the past, general liability coverage for youth or adult baseball, softball and T-ball teams was cost prohibitive with limited insurance benefits or was not available at all. Individuals were either forced to pay extremely high insurance premiums or risk operating programs without proper insurance coverage, risking personal exposure to lawsuits or a participant's injury claim.
A comprehensive program has been developed to specifically cover the risks involved in managing a baseball, softball and/or T-ball league, team or association. The General Liability Insurance Program will help eliminate the financial and emotional burden resulting from a lawsuit or participant injury claim.
Inclusions/Program Highlights
- Occurrence-Form Policy
- Coverage Included for Claims by Athletic Participants
- Corporal Punishment
- Sexual Abuse & Molestation subject to policy limits
Who Is Covered
This program provides protection for athletic participants and staff members of your baseball, softball, or t-ball team, league or association against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence with a General Aggregate amount of $3,000,000.00. (Higher limits & customized plans are available by contacting Westpoint Insurance Group)
This program provides protection for athletic participants and staff members of your baseball, softball, or t-ball team, league or association against claims of bodily injury liability, property damage liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence with a General Aggregate amount of $3,000,000.00. (Higher limits & customized plans are available by contacting Westpoint Insurance Group)
Coverage Includes Suits Arising From:
- Injury or death of participants, spectators & volunteers
- Property damage liability
- Incidental medical malpractice
- Abuse & Molestation ($25,000 Policy Maximum)
- All activities necessary to conduct of activities
- Ownership use or maintenance of fields or practice areas.
- General negligence claims, cost of investigation of claims, even if groundless
Minimum Premium- $300.00 Annually or $250.00 for a policy with less than an annual policy term. Premium is fully earned upon Policy Inception.
Additional Insureds such as park districts and stadiums can be added for a minimal charge of $10.00.
Policy Exclusions and Ineligible Sports/Activities
Fraudulent or dishonest acts, asbestos liability, assault and battery, employment related practices, professional liability, total pollution, collapse of temporary structure, fireworks and pyrotechnics, nuclear energy liability, use of saunas, fungus and mold, sale/manufacturing/ distribution of any athletic equipment and liability for occurrences prior to the effective date of coverage.
Fraudulent or dishonest acts, asbestos liability, assault and battery, employment related practices, professional liability, total pollution, collapse of temporary structure, fireworks and pyrotechnics, nuclear energy liability, use of saunas, fungus and mold, sale/manufacturing/ distribution of any athletic equipment and liability for occurrences prior to the effective date of coverage.
Note: There is no liability coverage for claims arising out of any of the following activities: Cheerleading Pyramiding over 2 1/2 men high, Inflatable Devices, Water slides, White Water Rafting, Scuba Diving, Bungee Jumping, Rock Climbing, Repelling, Bicycle Tours, Ballooning, Parachuting, Hang Gliding, Parasailing, Tobogganing, Luge, Skateboarding, Trampolines (over 46in diameter), Mechanical Bulls, Velcro Jumps, Paint ball, Race Track Risk, Boating, Rodeo, Motor sports, and Saddle Animal Exposures. All of the above are subject to the terms and conditions of Master Policy.
Release and Waiver Requirement
Each Policyholder must keep on file a current completed and signed Release and Waiver of Liability/Informed Consent for each athletic participant prior to the participation in any Policyholder activity. Policyholders are responsible for distributing forms to their athletic participants and maintaining completed forms for simultaneous delivery at the time of notice of an athletic participant's injury claim. Provided you have implemented such procedures and you are unable to secure and provide such "release" despite your best efforts, you must assume and pay the first $2,500 of each occurrence (including supplemental payments) resulting in an "athletic participant" legal liability claims. "Athletic participant" means players, coaches, managers, staff members, team workers, volunteers, game officials and cheerleaders who have been granted proper authorization to enter any "sponsored events."
Each Policyholder must keep on file a current completed and signed Release and Waiver of Liability/Informed Consent for each athletic participant prior to the participation in any Policyholder activity. Policyholders are responsible for distributing forms to their athletic participants and maintaining completed forms for simultaneous delivery at the time of notice of an athletic participant's injury claim. Provided you have implemented such procedures and you are unable to secure and provide such "release" despite your best efforts, you must assume and pay the first $2,500 of each occurrence (including supplemental payments) resulting in an "athletic participant" legal liability claims. "Athletic participant" means players, coaches, managers, staff members, team workers, volunteers, game officials and cheerleaders who have been granted proper authorization to enter any "sponsored events."
The Mandatory Accident Medical Plan
Pays the medical bills of an injured participant or staff member.
Who is covered?
All participants of the Policyholder specified in the application are covered while participating in sponsored and supervised activities. A member is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored activity and his or her home or place of residence.
All participants of the Policyholder specified in the application are covered while participating in sponsored and supervised activities. A member is also covered while traveling, directly and without interruption, to and from any Policyholder sponsored activity and his or her home or place of residence.
Participant Medical Expense Benefit- $25,000 Limit
Spectator Medical Expense Benefit - $5,000 Limit
Spectator Medical Expense Benefit - $5,000 Limit
If the Insured Person incurs eligible expenses as the result of a covered injury, the Company will pay the charges incurred for such expense within 52 weeks, beginning on the date of the accident. Payment will be made for eligible expenses not to exceed the Maximum Medical Expense Benefit, subject to the applicable deductible amount (if any). The first such expense must be incurred within 60 days after the date of the accident. "Eligible expense" means charges for medically necessary treatment and service, not to exceed the usual and customary charges in the area where provided.
- Medical and surgical care by a physician.
- Radiology (X-rays).
- Prescription drugs and medicines.
- Dental treatment of sound natural teeth.
- Hospital care and service in semi-private accommodations, or as an outpatient.
- Ambulance service from the scene of the accident to the nearest hospital.
- Orthopedic appliances necessary to promote healing.
Excess Coverage
This policy does not cover treatment or services which are payable or available under other health benefits plans.
This policy does not cover treatment or services which are payable or available under other health benefits plans.
Accidental Death and Dismemberment Benefit - $10,000
If a covered injury results in any of the losses specified below within 1 year (not applicable in Pennsylvania) after the date of the accident, the Company will pay the applicable amount:
- Full Principal Sum for the loss of life.
- Full Principal Sum for double dismemberment.
- Full Principal Sum loss of sight or both eyes.
- 50% of the Principal Sum for loss of one hand, one foot or sight of one eye.
- 25% of the Principal Sum for loss of index finger and thumb of same hand.
"Member" means hand, foot, or eye. Loss of hand or foot means complete severance above the wrist or ankle joint. Loss of eye means the total, permanent loss of sight. If the Principle Sum is payable, no indemnity will be paid for dismemberment. In any event, the double dismemberment indemnity is the maximum amount payable under this Benefit for all losses resulting from one accident.
Minimum Premium- $150.00 for seven (7) month policy term. Premium is fully earned upon Policy Inception. Any cancellations must be requested in writing prior to the effective date of coverage.
Exclusions and Limitations
This plan does not cover any loss to or resulting from: Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound. The use of drugs or narcotics, unless administered under the advice of a physician. War or any act of war, whether or not declared. Participation in any riot or civil commotion. Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline. Suicide or any attempt threat or any self-inflicted injury (in Missouri this applies only while sane).
This plan does not cover any loss to or resulting from: Sickness or disease in any form, except pyogenic infections due to an accidental cut or wound. The use of drugs or narcotics, unless administered under the advice of a physician. War or any act of war, whether or not declared. Participation in any riot or civil commotion. Air travel or the use of any device or equipment for aerial navigation, except as a fare-paying passenger on a regularly scheduled commercial airline. Suicide or any attempt threat or any self-inflicted injury (in Missouri this applies only while sane).
Nor does the Plan cover: Service provided by any person or facility employed or retained by the Policyholder or member organization. Service provided by any member of the Insured Person's family or household. Dental treatment, except as the result of a covered injury. The repair or replacement of any artificial dental restoration. Exam for, prescription for, or thepurchase of eyeglasses or contact lenses or hearing aids. Expenses payable under any Workers Compensation Law or similar legislation. Injury sustained while riding in or on any two or three wheeled engine driven vehicle.
Note: Certain of these exclusions or limitations may be modified to meet individual state requirements. All of the above are subject to the terms and conditions of the policy.
This quote has been designed to illustrate the highlights of this program but is not a contract. Some exclusions and coverages may be modified to meet individual state requirements. The rates are based on information provided by the risk at the time of quotation and may be modified if the information changes from the initial submission by the risk.
For specific details of the coverage, please review the insurance contract or contact us for additional information.
