Well, it’s that time again. My first college games are approaching soon, as is the high school baseball season. Time to start thinking about insurance for the year. Last year I reviewed insurance policies from NASO, ABUA, ASA, USSSA, and NFHS. Not much has changed (insurance is rarely exciting), but here it is for 2010:
NASO Insurance
Cost: $97.00 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
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 an assault 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 with no deductible
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 $250 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.
NASO Insurance
Cost: $97.00 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
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 an assault 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 with no deductible
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 $250 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.
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