Softball insurance for teams, players, coaches, officials, and tournaments is required. Without insurance coverage, not only will it be impossible to pay for unexpected costs but participating in events might be prohibited.
General liability and accident coverage are included in softball tournament insurance, USA softball insurance products as well as insurance programs from other companies or organizations.
There are many points to talk about when it comes to softball insurance. Here's a guide that will thoroughly explain the policies included and how much you need to pay to get insured. As a bonus. We made a review explaining the pros and cons of the best carriers for softball insurance.
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Liability insurance for softball sports teams and tournaments covers the cost of lawsuits and compensation to third parties when claims are filed due to property damage, personal injuries and advertising errors, and negligence or errors and omissions. This policy included in USA softball insurance can be categorized into public liability, general liability, and professional liability otherwise known as errors & omissions.
Public liability insurance covers you in the event of property damage or bodily harm. Because softball is a high-impact sport, injuries are common during tournaments. This includes serious injury or death to a softball player, coach, volunteer, or spectator. As a result, clubs, and leagues require public liability insurance to cover claims and lawsuits. This coverage has a $1 million policy limit.
Just like boxing, softball is a dangerous contract sport. This is why every softball team and tournament should have general liability insurance. Just like public liability insurance, this policy will pay if third parties file a property damage lawsuit or personal injury lawsuit and ask for compensation. General liability has a minimum policy limit of $1 million.
However, general liability is more comprehensive as it can also provide further protection if third parties file a claim for slander, copyright infringement, and libel. And so, general liability is a common softball tournament, softball team, and softball league insurance policy.
Errors and omissions insurance is another term for professional liability insurance for softball teams, tournaments, and others.
When a coach makes a training mistake or a physiotherapist makes an omission that causes injuries or even death, E&O insurance provides coverage in case third parties experience economic loss.
E&O insurance will help softball teams, leagues, and tournaments pay for defense costs and settlements. It provides $1 million minimum coverage.
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When players compete in any USA softball tournament, the youth softball team insurance protects them, even if they participate in multiple tournaments. Policies included in youth softball team insurance are listed below:
General liability - $1 million policy limit. Covers settlement and legal costs if the youth softball team injured third parties or damaged property
Directors and officers liability - $1 million policy limit. Pays for legal and settlement costs if the managers, coaches, and other administrators of the youth softball team is sued by employees, vendors, competitors, and investors for mismanagement
Crime and equipment - Crime and equipment coverage reimburses losses if the softball team’s personal effects are damaged or lost due to theft, fire, arson, and other named perils.
Youth softball team insurance also includes travel softball team insurance policy. Here’s a table showing the coverages youth travel softball team insurance offers:
| | Minimum Policy Limit | Function |
|---|---|---|
| Trip cancellation/delay | $15,000 | Reimburses non-refundable payments made to arrange a canceled or delayed trip |
| Trip interruption | $10,000 | Provides a $200 - $500 daily allowance if ever the youth softball team’s travel is interrupted |
| Accident coverage | $20,000 | Covers the cost of treatment if a member of the youth softball team experienced injuries while traveling |
Tournament organizers need to get softball tournament insurance to account for injuries, property damage, and other possible perils.
Coverage begins with a $1 million general liability insurance. This policy is used to cover property damage or personal injuries experienced by the participating teams. At an additional cost, general liability for softball tournaments can also cover spectators.
Another policy included is auto liability insurance. Auto liability insurance is used to cover accidents tournament vehicles might cause while transporting players.
Softball tournament insurance also includes crime insurance. Through crime insurance coverage, the tournament organizers can reimburse teams if their equipment got lost or damaged because of arson, theft, vandalism, and other included perils.
On average, softball team insurance cost is $349 a month or $4,188 a year for a $1 million general liability coverage. The best softball insurance companies and their rates are listed in the table below for further reference.
| | Monthly Rates | Annual Rates | Best for |
|---|---|---|---|
| CoverWallet | $48 | $576 | Comparing online quotes for softball insurance |
| USSSA | $97 | $1,164 | General liability coverage for teams, players, tournaments, coaches, and officials |
| Chappell | $200 | $2,400 | Insurance for all parties involved in the softball game |
| ASA | $250 | $3,000 | Softball team general liability and accident coverage |
| NSA | $750 | $9,000 | Tournament general liability and accidental medical coverage |
| PGF | $175 | $2,100 | Team accident coverage |
| RPS | $500 | $6,000 | Accident and travel coverage |
We forgot to mention that travel insurance for softball teams can also be a stand-alone policy. On average, softball youth and adult teams pay $94 a month or $1,128 a year for a $10,000 trip cancellation coverage.
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Here are some reviews of the best USA softball insurance companies. Read to know their pros, cons, and pricing for a $1 million general liability coverage.
CoverWallet's platform determines the type of insurance you need and finds affordable coverage from multiple insurance companies quickly
It's a broker, not an insurance company
With CoverWallet , you can get the best and most affordable softball insurance, giving players the peace of mind to focus on what matters most - perfecting the windmill.
Best for: Comparing online quotes for softball insurance
Average cost: $48 per month
Our rating: 10/10
With ASA softball insurance one team can register adults individually in specific locations. ASA softball team insurance registration is valid for a year regardless of how many ASA/USA softball teams the player joins
The $250 ASA softball team insurance cost covers a liability insurance limit of $5,000,000 per accidental or medical occurrence for each registrant
ASA team insurance softball expires on December 31 and must be renewed in January of the following year, regardless of when the insurance was purchased
Offers accident and liability insurance coverage to all softball players.
Best for: Softball team general liability and accident coverage
Average cost: $250 per month
Our rating: 9/10
The USSSA fastpitch insurance covers both liability and accidents for a full year
USSSA fastpitch softball insurance is tailored for youth teams and adult teams
Teams must be registered with USSSA and provide their sanction number when applying for USSSA fastpitch team insurance
None of the softball's sanctioning bodies will allow a team to compete if it does not have coverage, such as USSSA fastpitch softball insurance
Must comprise six teams or more to be eligible for the 25%-30% league discount rate for the USSSA softball team insurance
Provides liability and accident coverage for an entire year. If you registered for USSSA softball insurance 2021 or the fastpitch softball team insurance on August 1st, coverage is valid until July 31st, 2022, or from January 1st to December 31st.
Best for: General liability coverage for teams, players, tournaments, coaches, and officials
Average cost: $97 per season for individuals
Our rating: 9/10
You can name a facility owner, sponsor, or organization as an additional insured at no additional cost
The professional liability policy covers wrongful acts like neglect, error, omission, misstatement, or misleading statements when carrying out any softball-related event
Liability coverage will be in effect only during the insured team's or league's play and practice
All parties involved in the softball game are all protected by Chappell insurance softball general liability that provides $2,000,000 in coverage.
Best for: Insurance for all parties involved in the softball game
Average cost: $200 per month
Our rating: 8/10
The coverage is for all players listed on the NSA Team Waiver or NSA Online roster for all amateur play for NSA-related events
Teams must have a 2022 NSA Membership number, to purchase a policy
If the event organizer refuses the NSA softball insurance, players aren't covered for non-NSA events
If a team or league organizes or hosts tournaments, scrimmages, or friendlies, NSA softball insurance will not provide coverage for any liability or accidents
Protects your team during practices and all NSA, USSSA, and USA tournaments. It includes secondary general liability and accidental medical insurance coverage.
Best for: Tournament general liability and accidental medical coverage
Average cost: $750 per month
Our rating : 8/10
Even if you have another insurance, you can still get PGF softball insurance
PGF insurance only covers softball teams whose information is up to date on the most recent PGF roster
PGF insurance only covers softball teams whose information is up to date on the most recent PGF roster
Offers accident team insurance coverage in case of injuries incurred during any PGF events.
Best for: Team accident coverage
Average cost: $175 per month
Our rating: 8/10
Medical expenses incurred as a result of your participation are covered under the RPS Bollinger softball insurance accident plan. This is an optional policy that will help you reduce your out-of-pocket expenses if you are injured while playing softball
You should follow your primary USA softball insurance 2021 carrier's eligibility criteria for RPS Bollinger insurance softball to consider your expenses for payment
Covers the travel softball insurance cost at $5 for each person in the accident plan. In the event of an accident, the travel softball team insurance cost for youths is $750
The policy protects you from lawsuits arising from bodily injury or property damage to others due to your USA softball team's supervised activities. The policy's per-occurrence liability limit is $2 million.
Best for: Accident and travel coverage
Average cost: $500 per month
Our rating: 8/10
Avoid guesswork when planning to get softball insurance. Find the best coverage by comparing quotes. Start with our free quote generator. Click the “Get Quotes” button to see the offers of softball insurance companies.
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
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