The NCAA baseball season is gearing up, and high school ball is just around the corner. It is time to remember to carry liability insurance! Below is a review of policies currently available from different organizations:
NASO Insurance
Cost: $97.00 annually included in membership fee
General Liability: $3,000,000 per occurrence with a $4,000,000 aggregate, with NO deductible
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 (baseball, softball, soccer, basketball, etc) and all levels
ABUA Insurance
Cost: $45.00 annually included in membership fee
General liability: $1 million per occurrence, 3 times/year, $1,000 deductible
Errors and Omissions: None
Heart and Circulatory Malfunction Death Benefit: None
Assault Protection: None
Accident medical plan: $100,000 accident medical plan, $1,000 deductible
Game-fee-replacement insurance: $2,000 maximum benefit, $100/wk for maximum of 20 weeks with one week deductible
Covers while working any level of amateur baseball AND softball
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 no aggregate limit
Errors and Omissions: None
Heart and Circulatory Malfunction Death Benefit: None
Assault Protection: None
Medical Benefit: $50,000 with $250 deductible
Maximum Dental Limit Included in Medical Max
Heart & Circulatory Maximum Benefit $2,500
Physical Therapy/Chiropractic – per visit $50 with maximum payout of $2,000 per injury
Outpatient Prescriptions – Maximum per Injury $1,000
Accidental Death & Dismemberment Benefit $2,500
Sexual Abuse & Molestation – Each Occurrence $1,000,000
Sexual Abuse & Molestation – Aggregate $2,000,000
Participant Legal Liability $1,000,000
NASO Insurance
Cost: $97.00 annually included in membership fee
General Liability: $3,000,000 per occurrence with a $4,000,000 aggregate, with NO deductible
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 (baseball, softball, soccer, basketball, etc) and all levels
ABUA Insurance
Cost: $45.00 annually included in membership fee
General liability: $1 million per occurrence, 3 times/year, $1,000 deductible
Errors and Omissions: None
Heart and Circulatory Malfunction Death Benefit: None
Assault Protection: None
Accident medical plan: $100,000 accident medical plan, $1,000 deductible
Game-fee-replacement insurance: $2,000 maximum benefit, $100/wk for maximum of 20 weeks with one week deductible
Covers while working any level of amateur baseball AND softball
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 no aggregate limit
Errors and Omissions: None
Heart and Circulatory Malfunction Death Benefit: None
Assault Protection: None
Medical Benefit: $50,000 with $250 deductible
Maximum Dental Limit Included in Medical Max
Heart & Circulatory Maximum Benefit $2,500
Physical Therapy/Chiropractic – per visit $50 with maximum payout of $2,000 per injury
Outpatient Prescriptions – Maximum per Injury $1,000
Accidental Death & Dismemberment Benefit $2,500
Sexual Abuse & Molestation – Each Occurrence $1,000,000
Sexual Abuse & Molestation – Aggregate $2,000,000
Participant Legal Liability $1,000,000
Game-fee-replacement insurance: NoneCovers all officials currently registered with a member state association, or with an affiliate of the NFHS (if that association registers officials and if that association registers for NFHS insurance benefits).
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