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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.
Think of all the participants and workers in your baseball team plus those who interact with it. They include:
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.
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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:
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 that comes with public liability coverage, to cover third-party claims for:
Slander, defamation, and copyright infringement
Just like in any other contact sports such as boxing, 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.
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 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 can cover vehicles transporting your players to games. Coverages included in commercial auto insurance are collision, liability, medical payments, and comprehensive.
People with ill motives might falsely accuse your team leaders. Let this policy help them protect themselves.
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:
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.
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 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.
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.
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 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:
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.
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.
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 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.
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.
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 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 , 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 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 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|
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 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.
Baseball organizations offer insurance for member players, managers, and teams. Examples are USSSA and 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 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.
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.
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 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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Here’s a quick review that shows the perks and drawbacks of the recommended insurance companies for baseball teams, leagues, and tournaments. Read to know their pros, cons, and monthly pricing for a $1 million general liability coverage.
Gives the policyholder a certificate of insurance for free
Online policy management
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 per month
Our rating: 10/10
Short-term insurance for baseball tournaments and leagues
Offers certificate of insurance
Rates are lower than other short-term insurance carriers
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 per month
Our rating: 10/10
Insurance is underwritten and managed by two companies
Fairly comprehensive general liability and accident coverage
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 per month
Our rating: 9/10
Offers coverage for baseball teams, tournaments, and leagues
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 per month
Our rating: 8/10
Very transparent rates
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 per month
Our rating: 8/10
Offers comprehensive coverage for American Legion Baseball events
Optional policies have sub-limits
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 per month
Our rating: 8/10
Offers baseball team insurance with optional D&O coverage
Two modes of payment - credit/debit online and paper check
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 per month
Our rating: 7/10
Offers immediate coverage to baseball teams and events
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 per month
Our rating: 7/10
Use our quotes generator and find the best travel baseball team insurance, baseball league insurance, and more. Click the “Get Quotes” button to compare quotes. Get the coverage that best fits your needs and budget.
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