Umpire Insurance Comparison

Yesterday's post got me to thinking about the different insurance policies advertised for umpires. Most of these policies are benefits for joining an organization or registering as a sports official. Here are a few:

NASO Insurance
Cost: $94.00 annually included in membership fee
General Liability: $3,000,000 per occurrence with a $4,000,000 aggregate
Errors and Omissions: $50,000 per occurrence (as an umpire or assigner)
Heart or Circulatory Malfunction Death Benefit: $5,000
Assault Protection: up to $3,000 in attorney fees on a 60/40 basis (you pay the 40% until the plan has paid out $3,000).
Game-fee-replacement insurance: up to $100 for each game lost within 21 days after the injury up to $500 total.
Accident medical plan: None
For an additional fee NASO provides Optional Game Fee Loss Insurance for injuries not related to assault. This plan pays up to $1,000 to $2,000 depending on the plan selected.Covers all sports official activities

ABUA Insurance
Cost: $45.00 annually included in membership fee
General liability: $1,000,000 limit
Errors and Omissions: None
Heart and Circulatory Malfunction Death Benefit: None
Assault Protection: None
Accident medical plan: $100,000
Game-fee-replacement insurance: $2,000 maximum benefit
Covers while working any level of amateur baseball AND softball

ASA Insurance
Cost: included in registration fee
General liability: $5,000,000 per occurrence with a $8,000,000 aggregate
Errors and Omissions: None
Heart and Circulatory Malfunction Death Benefit: None
Assault Protection: None
Accident medical plan: $100,000 with $100 deductible, $2,000 accidental death, $4,000 accidental dismemberment
Game-fee-replacement insurance: $2,000 maximum benefit
Covers while working ASA contests

USSSA Insurance
Cost: included in registration fee
General liability: $2,000,000 per occurrence with a no aggregate and legal defense fees included
Errors and Omissions: None
Heart and Circulatory Malfunction Death Benefit: None
Assault Protection: None
Accident medical plan: $20,000 per occurrence with $500 deductible
Game-fee-replacement insurance: None
Covers while working USSSA sanctioned events with USSSA registered teams.

NFHS Insurance
Cost:
General liability: $1,000,000 per occurrence and $5,000,000 Aggregate
Errors and Omissions: None
Heart and Circulatory Malfunction Death Benefit: None
Assault Protection: None
Accident medical plan: $50,000 Accident Medical/Dental Limit per injury with a $500 Deductible per injury; $2,500 Accidental Death & Dismemberment Benefit
Game-fee-replacement insurance: None
Covers officials currently registered with a member state association, or with an affiliate of the NFHS (if that association registers officials), in order to be eligible for the NFHS Officials Association insurance benefit.

So is that clear as mud?