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Baseball Team Insurance: Baseball Insurance Quotes From $11

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Table of contents

1. Why Baseball Insurance is Important 2. Baseball Team Insurance 2.1. General Liability Insurance 2.2. Accident Insurance 2.3. Baseball Equipment Insurance 2.4. Workers Compensation Insurance 2.5. Commercial Auto Insurance 2.6. Directors and Officers Liability Insurance 3. Travel Sports Baseball Insurance 3.1. Trip Cancellation or Curtailment Coverage  3.2. Personal Accident Coverage 3.3. Emergency Medical Expenses Coverage 3.4. Missed Departure and Journey Disruption Coverage 4. Youth Baseball Team Insurance 5. Youth Travel Baseball Team Insurance 5.1. Trip Cancellation Policy 5.2. Trip Delay Policy 5.3. Emergency Accident and Medical Sickness Expense 5.4. Emergency Medical Evacuation Coverage 6. Baseball Camp Insurance 6.1. Batting Cage Insurance 7. 8. Baseball Tournament Insurance 8.1. Youth Baseball Tournament Insurance  9. Baseball League Insurance 9.1. 9.2. Insurance for Little League Baseball Team Events 10. Baseball Player Insurance and Baseball Umpire Insurance 11. Do Baseball Organizations Offer Team Baseball Insurance? 11.1. Major League Baseball Organization - MLB 11.2. The United States Specialty Sports Association -  USSSA 11.3. Amateur Athletic Union -  AAU  12. Baseball Insurance Cost 12.1. 12.2. USSSA Baseball Insurance Cost 13. Best Baseball League, Tournament, and Team Insurance Companies  13.1. CoverWallet Baseball Insurance 13.1.1. Pros 13.1.2. Cons 13.2. 13.3. Thimble Baseball Insurance 13.3.1. Pros 13.3.2. Cons 13.4. 13.5. Chappel Baseball Insurance and NW Nations Baseball Insurance 13.5.1. Pros 13.5.2. Cons 13.6. 13.7. American Specialty Baseball Team Insurance 13.7.1. Pros 13.7.2. Cons 13.8. 13.9. Travel Ball Team Insurance 13.9.1. Pros 13.9.2. Cons 13.10. 13.11. K&K Baseball Team Insurance 13.11.1. Pros 13.11.2. Cons 13.12. 13.13. Mestmaker Pony Baseball Insurance 13.13.1. Pros 13.13.2. Cons 13.14. 13.15. Roberto Clemente Jr Insurance for Baseball Teams 13.15.1. Pros 13.15.2. Cons 14. 15. Compare Quotes and Select Baseball Team Insurance with the Best Coverage

Finding the right baseball insurance quotes for events, teams, and participants isn't a walk in the park. It requires time and money. Our discussion will act as your guide. Know the policies included in baseball team insurance, how much baseball team insurance costs, and other related topics.

Why Baseball Insurance is Important

Think of all the participants and workers in your baseball team plus those who interact with it. They include:

  • Players

  • Trainers

  • Spouses

  • Parents

  • Administrative staff

  • Spectators

  • Team physicians

  • Community volunteers such as student workers


As a baseball team organizer, the welfare of all these people rests entirely on your shoulders. You want them to have good times without worrying about anything

But unless you're a superman, preventing every issue at every time is humanly impossible. Anything can go wrong. For instance:

  • Coaches, players, and umpires could get injured during games or batting practices

  • Flying bats or balls could injure someone in the stands

  • Volunteers might have ulterior motives. They could steal equipment or victimize other people and players in the organization.

  • A car crash may occur during travel, harming occupants and causing damages

 

Such issues might lead to serious financial or personal harm. That's where the right baseball team insurance steps in to mitigate these risks.


Compare Cheap Baseball Team Insurance Quotes Online

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Baseball Team Insurance

Baseball team insurance is a specialized policy that provides coverage to team members, managers, and other individuals part of the baseball team. The policy functions to shoulder costs resulting from lawsuits, injuries, and damage to equipment owned or rented. Examples of baseball team insurance policy are:


General Liability Insurance

Inadequate supervision can cause issues. Players usually contend with a lack of spatial awareness and roughhousing, leading to injuries. Also, a foul baseball can hit a spectator.

 

In such cases, angry guardians, parents, and people can file lawsuits against the team managers and players. Take general liability, a type of baseball liability insurance, to cover third-party claims:

  • Lawsuits

  • Bodily harm

  • Property damage


Accident Insurance

Just like in any other sport, injuries haunt youth baseball team players. Players collide with each other, get struck by balls, and fall even if they aren't playing rough. But accident insurance will ensure they focus more on succeeding and less on injuries. 

 

This baseball insurance policy covers the team members during your sanctioned activities. So if a player falls and injures themselves, the policy will take care of the treatment bills.


Baseball Equipment Insurance

Your baseball team needs equipment to succeed. If the equipment gets damaged, stolen, lost, or vandalized, you might incur extra costs.  Let baseball equipment insurance help you recover what was spent. 


Workers Compensation Insurance

Workers' compensation coverage covers your staff. If a staff member gets hurt while performing their duties, the coverage will take care of the medical bills and other expenses. 


Commercial Auto Insurance

Commercial auto insurance can cover vehicles transporting your players to games. Coverages included in commercial auto insurance are collision, liability, medical payments, and comprehensive.

 

Directors and Officers Liability Insurance

People with ill motives might falsely accuse your team leaders. Let this policy help them protect themselves.

 

Travel Sports Baseball Insurance

Baseball teams, whether professional or amateur, travel a lot. Many perils are associated with traveling. These don’t only delay the baseball team but also incur additional costs. The fastest solution, and the most effective one perhaps, is baseball team travel insurance. Let’s discuss the policies included:


Trip Cancellation or Curtailment Coverage 

In the event the baseball team’s trip is canceled or curtailed,  trip cancellation or curtailment coverage will provide money equal to the non-refundable costs. For example, the policy will give an amount equal to the money spent for vehicle rental or vehicle gas expenses. This coverage’s minimum limit is $10,000. 


Personal Accident Coverage

If ever a baseball team member becomes injured while traveling, personal accident coverage will answer the cost of first aid treatment. Personal accident coverage has a minimum limit of $100,000. 


Emergency Medical Expenses Coverage

Emergency medical expenses coverage functions to cover further costs if the injury needs specialized treatment. Costs covered are medicinal expenses, medical procedure expenses, and so on. The minimum policy limit of emergency medical expenses coverage is $100,000. 


Missed Departure and Journey Disruption Coverage

Missing flights and vehicle breakdown incur additional costs. This is why missed departure and journey disruption coverage is included in baseball team travel insurance. This coverage will take care of lodging expenses plus the cost of renting an emergency vehicle for the baseball team to resume the trip. The minimum policy limit of missed departure and journey disruption coverage is $100,000. 





Youth Baseball Team Insurance

If baseball is dangerous for adults, how much more for kids? Carriers offer baseball insurance for youth baseball teams, team managers, and independent trainers. Policies included in team youth baseball insurance are shown in the table below:


Policy Limit in Youth Baseball Team Insurance Function 
General liability insurance $1,000,000 Provides protection against personal injury lawsuits, property damage lawsuits, and reputational harm lawsuits filed by the kids' parents or other third parties
Damage to rented premises coverage $1,000,000 Shoulders costs if team members damage the sports facility you’re renting 
Professional liability insurance $1,000,000 Covers your obligation to pay if you’re accused of negligence, violation of good faith, etc. 
Accident medical insurance coverage $150,000 Covers extra expenses if the kids get injured while playing or training. Will also cover the team manager’s injuries


Youth Travel Baseball Team Insurance

Youth travel baseball insurance covers perils the youth baseball team might face while on the way to another state or city to do training or join a competition. Let's discuss the specific policies included:


Trip Cancellation Policy

A trip cancellation policy in youth travel baseball team insurance covers non-refundable payment you’ve made to arrange the trip for the youth baseball team. The job of the trip cancellation policy is to return 100% of the money spent on the canceled trip. 


Trip Delay Policy

The youth baseball team’s trip might get delayed. Trip delays incur extra expenses. Carriers understand how problematic extra expenses can be and offer trip delay policy on their travel baseball insurance for youth teams.


A trip delay policy provides an allowance for 5 days amounting to $1,000 in total. In other words, the policy gives $200 a day so that you can pay the extra expenses incurred by trip delays. 


Emergency Accident and Medical Sickness Expense

Sickness or accidents can happen while traveling and will incur extra expenses for the youth baseball team. The youth baseball team can also get protection against this through emergency accident and medical sickness expense coverage. 


Emergency accident and medical sickness expenses give up to $100,000 to the policyholder in case the youth baseball team members got sick or got injured while traveling. Covered incidents are vehicular accidents, severe motion sickness, and more. 


Note that this travel baseball team insurance policy does not pay for costs if ever someone needs to be taken to the hospital. Medical costs as well as the cost needed to transfer someone to the hospital are covered by emergency medical evacuation coverage.  


Emergency Medical Evacuation Coverage

Emergency medical evacuation coverage provides $1 million. This policy functions to cover costs if ever someone needs to be taken to the nearest medical facility for treatment while traveling. Covered incidents are vehicular crashes and food poisoning. Other covered incidents are named by the insurance company. 




Baseball Camp Insurance

Every summer sees youths heading to baseball camps to hone their skills. They desire to learn the basics of fielding, hitting, pitching, catching, and other techniques. 

 

Each baseball camper may have to bring their own bat, cleats, glove, sneakers, hat, water bottle, and other things. Camps usually involve competitive games.

 

Baseball camps need to have insurance to operate. The best coverage is through tailored baseball camp insurance which offers general liability, commercial property insurance, accident coverage, and commercial auto insurance. 


Batting Cage Insurance

Baseball camps and baseball venues should opt to get batting cage insurance. On average, a batting cage from a reputable brand is $1,455 - $5,600. Batting cage insurance shoulders the cost of replacing or repairing a damaged batting cage. The policy also covers injuries to third parties using the batting cage. Policies included in batting cage insurance are equipment breakdown coverage, general liability, and excess liability.


Those renting batting cages to baseball teams, venues, and camps can get covered through batting cage business insurance, which includes general liability insurance with products and completed operations, inland marine insurance or cargo insurance, and commercial property insurance with equipment breakdown coverage and business interruption coverage.




Baseball Tournament Insurance

Baseball tournaments involve elevated competition levels, increased activities, and many attendants. So from a risk management perspective, these events come with an increased risk of injury and associated lawsuits.

 

The events consist of teams competing simultaneously, which means an increased number of players, trainers, admins, and spectators. Such huge events also attract sports equipment vendors, food carts , photographers, and volunteers. Unrelated activities also swarm the fields - face painting , bounce houses , music, and other entertainments

 

Many risks are associated with a baseball tournament. When they manifest, tournament organizers can be financially liable for the losses of concerned parties. This is why it’s important to get baseball tournament insurance, which includes the policies listed below:

  • General liability - $1 million policy limit. Pays the compensation for third-party personal injuries and property damage. Coverage applies to the tournament facility owned or rented plus any owned food stands and other amenities. 

  • Medical expense coverage - $1 million policy limit. Pays for expenses incurred if an accident happens and affected individuals need to be taken to the nearest medical facility. 

  • Damage to rented premises coverage - $1 million policy limit. If the tournament venue is rented and got damaged, this policy will help to pay costs if ever the facility owner files a claim to get reimbursement

  • Directors and officers liability coverage - $1 million policy limit. If such an accident that injured third parties was the result of mismanagement, D&O can help to pay for defense costs plus compensation. 

  • Equipment and contents coverage - $1 million policy limit. In case equipment used for the tournament got damaged, equipment and contents coverage provides money equal to the total value of items to be replaced. 

 

How can risks be further mitigated? Tournament organizers can engage in these risk transfer strategies:

  • Agreement between the tournament host and participating teams: This agreement includes an indemnification provision favoring the host and requires the teams to have stipulated insurance covers

  • The teams should provide a certificate of coverage evidencing general liability and other related coverages

  • Waiver forms (signed by the parent or player) releasing the host from liability


Youth Baseball Tournament Insurance 

Youth baseball tournament insurance is specialized coverage for small-scale baseball tournaments where individuals, ages 5 - 18 years old, are the main participants. The table below shows the policies included.


Policy Limit Function 
General liability with products and completed operations coverage; and advertising injury coverage $1,000,000 Covers third party personal injuries and property damage claims 
Damage to rented premises coverage $100,000 Reimburses the owner of the venue if ever business property is damaged 
Third-party medical expense coverage $100,000 Covers costs if participants of the baseball tournament get injured 
Excess medical coverage $100,000 Supplements the policy limits of third party medical expense coverage 




Baseball League Insurance

Baseball league insurance can be categorized as major league insurance and minor league baseball insurance. It is a policy for professional baseball events. The terms of this policy conform to the insurance requirements required by sports organizations and participating teams. Refer to the table below to see the policies included:


Policy Limit Function 
General liability with products and completed operations coverage $1,000,000 Covers third party injuries and property damage 
Equipment coverage $100,000 Covers extra expenses incurred when equipment breaks down and needs repair or replacement 
Damaged to rented premises coverage $1,000,000 Accounts for the cost of damage inflicted to the baseball league venue 
Accident coverage $1,000,000 Accounts for cost if baseball team members become injured while taking part in the baseball league


Insurance for Little League Baseball Team Events

Little league baseball events can be covered by baseball league insurance. However, there’s also a tailored coverage that might be better -  little league baseball insurance. Policies in youth baseball league insurance are:

  • Accident coverage - $100,000 policy limit

  • Liability insurance - General liability, cyber liability, and d&o liability each having $1 million policy limit

  • Crime insurance - $500,000 policy limit and covers disappearance and destruction of the participants’ personal effects. Note that this doesn’t cover arson. 





Baseball Player Insurance and Baseball Umpire Insurance

Baseball teams have coverage for players. Also, umpires are covered by the league or tournament host’s insurance policy. But still, players and umpires can get protection for themselves. 


Baseball player insurance and baseball umpire insurance are tailored insurance programs offered by sports organizations such as USSSA and NASO. Policies included in both are public liability, professional liability, and personal accident coverages. 




Do Baseball Organizations Offer Team Baseball Insurance?

Baseball organizations offer insurance for member players, managers, and teams. Examples are USSSA and MLB.

 

Major League Baseball Organization - MLB

The Major League Baseball organization offers coverage, which many call major league baseball insurance or MLB insurance for short. MLB insurance on players and other team members is composed of:

  • MLB lawsuit insurance/MLB suing insurance otherwise called vanguard insurance program comprising of general liability coverage and legal liability coverage

  • MLB life insurance/MLB insurance for life benefits

  • MLB pension insurance program

  • MLB health insurance


Coverage is offered the moment a member makes a claim. This is because MLB sues insurance companies, it partnered with, that refuse to grant the coverage of its members. A good example is the AIG MLB lawsuit. 


The United States Specialty Sports Association -  USSSA

The United States Specialty Sports Association offers coverage for baseball teams and players. Baseball insurance USSSA is only available for teams registered as members. Furthermore, USSSA baseball insurance can only be purchased online. 


So what are the policies included in USSSA team insurance for baseball? USSSA baseball team insurance provides liability and medical coverages for youth teams. On the other hand, adult teams only enjoy liability coverage. 


Amateur Athletic Union -  AAU 

The Amateur Athletic Union offers coverage that many call AAU baseball insurance. It offers a $6 million general liability policy and sports accident coverage to baseball teams taking part in AAU & non-AAU sponsored baseball events. 

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Baseball Insurance Cost

  • The average baseball team insurance cost is $45 a month or $540 a year for a $1 million general liability insurance

  • Travel baseball team insurance cost is $67 a month or $804 a year for a $100,000 accident coverage

  • Youth team travel baseball insurance cost is $69 a month or $828 a year for a $100,000 accident coverage

  • Youth baseball insurance costs is $43 a month or $516 a year on average for a $1 million general liability insurance

  • Batting cage business insurance cost is $35 a month or $420 a year for a $1 million general liability insurance with products and completed operations coverage


For further reference, here’s a table showing the pricing of the best baseball team insurance companies:


Cost per Month Cost per Year Best for
CoverWallet $30 $360 Baseball team insurance quotes comparison online
Thimble $32 $384 Short-term baseball tournament and league insurance
Chappel and Nations $45 $540 Youth baseball team and adult baseball team insurance with $2 million liability and accident coverage
American Specialty  $50 $600 Baseball team insurance with optional coverages
Travel Ball Team Insurance $52 $624 Baseball team insurance with transparent rates
K&K Baseball Insurance $56 $672 American Legion Baseball insurance
Mestmaker  Insurance $58 $696 Baseball team insurance for Pony members
Roberto Clemente Jr Insurance $62 $744 Immediate coverage for baseball teams and events


USSSA Baseball Insurance Cost


USSSA team insurance cost for baseball is determined by the age of member teams insured:

  • USSSA baseball team insurance cost 2021 - present is $13.33 a month or $160 a year for teams comprising of players 12 years old or younger

  • USSSA baseball insurance cost 2021 - present is $16.66 a month or $200 a year for teams comprising of players 12 - 15 years old

  • USSSA baseball team insurance cost is $20.83 a month or $249 a year for teams consisting of players 16 - 18 years old

  • Adult teams pay $50 a month or $600 a year for their USSSA insurance coverage


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Best Baseball League, Tournament, and Team Insurance Companies 

Here’s a quick review that shows the perks and drawbacks of the recommended insurance companies for baseball teams, leagues, and tournaments.


CoverWallet Baseball Insurance


Pros

  • Gives the policyholder a certificate of insurance for free

  • Online policy management

Cons

  • Doesn’t offer baseball team travel insurance coverage


CoverWallet covers baseball teams with its sports team insurance underwritten by partners. Coverage applies to liability for third party bodily injuries and property damage.  Baseball team property or equipment is covered also.  CoverWallet allows the policyholder to get a free certificate of insurance, add stand-alone coverages to the existing insurance, and manage insurance online. 


Best for: Baseball team insurance quotes comparison online

Average cost: $30 

Our rating: 10/10




Thimble Baseball Insurance


Pros

  • Short-term insurance for baseball tournaments and leagues

  • Offers certificate of insurance

  • Rates are lower than other short-term insurance carriers

Cons

  • Only offers basic insurance policies


Thimble’s baseball insurance is tailored for baseball tournaments and baseball leagues for youth and adult teams. Policies included are general liability and liquor liability. Note that Thimble’s coverage can be availed as a short-term policy lasting for hours, days, or weeks. 


Bes for: Short-term baseball tournament and league insurance

Average cost: $32

Our rating: 10/10



Chappel Baseball Insurance and NW Nations Baseball Insurance


Pros

  • Insurance is underwritten and managed by two companies

  • Fairly comprehensive general liability and accident coverage

Cons

  • Some customers reported that many documents are required before their claim was processed

NW Nations and Chappell insurance baseball partnership allow baseball teams to enjoy coverage that offers $2 million general liability and accident coverage. NW Nations and Chappell baseball insurance is available to youth baseball teams and adult baseball teams. 


Best for: Youth baseball team and adult baseball team insurance with $2 million liability and accident coverage

Average cost: $45

Our rating: 9/10




American Specialty Baseball Team Insurance


Pros

  • Offers coverage for baseball teams, tournaments, and leagues

Cons

  • Need to contact customer support for a certificate of insurance


American specialty’s perfect game baseball insurance provides coverage for baseball teams and baseball tournaments and leagues. It offers general liability and accident medical coverage. Moreover, if the policyholder wants more coverage, the company also allows the adding of coverage for abuse and molestation and non-owned/hired auto coverage. 


Best for: Baseball team insurance with optional coverages

Average cost: $50

Our rating: 8/10




Travel Ball Team Insurance


Pros

  • Very transparent rates

Cons

  • Accident insurance is not comprehensive


Travel ball offers $2 million general liability insurance and $100,000 accident insurance coverage in its baseball team insurance. The company states that it doesn’t implement sanction fees and hidden fees. 


Best for: Baseball team insurance with transparent rates

Average cost: $52 

Our rating: 8/10




K&K Baseball Team Insurance


Pros

  • Offers comprehensive coverage for American Legion Baseball events

  • Optional policies have sub-limits

Cons

  • Only provides coverage for American Legion Baseball 


K&K offers tailored american legion insurance for baseball teams taking part in American Legion Baseball events. The policy provides general liability and participant accident limits having optional policies with sub-limits. K&K’s american legion insurance can also be used to cover tryouts, supervised practices, baseball games, tournaments, meetings, and award banquets. 


Best for: American Legion Baseball insurance

Average cost: $56

Our rating: 8/10




Mestmaker Pony Baseball Insurance


Pros

  • Offers baseball team insurance with optional D&O coverage

  • Two modes of payment - credit/debit online and paper check

Cons

  • Only insures baseball teams registered with Pony


Mestmaker offers specialized insurance coverage for Pony members. Policies included are general liability and accident coverage. But note that the company also allows the customer to get an optional D&O coverage. 


Best for: Baseball team insurance for Pony members

Average cost: $58

Our rating: 7/10




Roberto Clemente Jr Insurance for Baseball Teams


Pros

  • Offers immediate coverage to baseball teams and events

Cons

  • Policies are underwritten by Allstate


Roberto Clemente insurance agency covers baseball teams in partnership with Allstate insurance. Coverages offered by this agency are general liability, equipment breakdown, and other commercial insurance policies underwritten by Allstate, which can be used to cover baseball teams. 


Best for: Immediate coverage for baseball teams and events

Average cost: $62

Our rating: 7/10




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