Baseball Insurance

Baseball Insurance For Youth and Adult Teams And Leagues Including Accident, General Liability, Directors and Officers Liability, Crime and Equipment.

Sadler is Pleased to Offer the Following Best In Industry Baseball Insurance Programs.

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Custom Baseball Insurance Programs Generic Baseball Insurance Programs
* Dixie Youth
* Dixie Boys/Majors
* Dixie Softball
* Dizzy Dean
* NYSCA Trained Leagues
* Sportsplex Operators And Developers Association
* Adult Baseball Teams / Leagues
* Youth Baseball Teams / Leagues
Specialty Areas
* Regular Season Baseball
* Travel Baseball
* Baseball Leagues
* Baseball Teams
* Travel Baseball
* Tournament Baseball
Programs Others Have Purchased
Individual Baseball Instructors Insurance Event Cancellation Insurance
Baseball Camps & Clinics Insurance Baseball Tournament Insurance
Baseball Training Facility Insurance

What Our Clients Have To Say About Our Baseball Insurance Programs

Baseball generates a significant number of minor to medium severity injuries arising from being struck by pitched balls, thrown balls, batted balls, contact with ground, contact with bases, collision with opponents, and non contact injuries while running. Most of these injuries are bruise/contusions, joint sprains, or fractures.

In addition, baseball can generate catastrophic injuries resulting in death and permanent disability. These primarily result from spinal cord injuries from sliding head first or being struck in the head or chest by line drives. Commotio cordis is a rare but often fatal injury that results from being struck in the chest at the exact instant that interferes with the heart's electrical system.

Youth baseball players are also subject to the injuries that occur when there is a lack of supervision at the lower age levels. Examples are injuries that arise from roughhousing or swinging bats when others are too close.

Proper throwing mechanics

It's critical that pitchers learn how to properly position their throwing arm in the pitching motion. Injury can result if positioning is incorrect during different phases of the pitching motion.

Excessive pitching

Baseball suffers from an epidemic of overuse elbow and shoulder injuries due to pitchers throwing too many pitches over the time period of a game, a week, or an entire season. Adolescent arms are still developing and pitching puts strain on joints and tendons. To avoid injuries to wrists, elbows, rotator cuffs, ligaments, and tendons can result from excessive pitching but can be largely avoided if players and coaches follow a few simple guidelines:

American Sports Medicine Institute pitching guidelines for youth:

Age in YearsPitches per GamePitches per Week
9-105075
11-1275100
13-1475125
15-16902 games per week
17-191052 games per week

Parents of youth baseball pitchers on independent travel and all-star teams competing in independently-operated tournaments should take extreme caution if there are no rules on pitch limits and rest. Parents may have to track their child's pitch counts to insure recommended limits aren't exceeded.

Coach qualifications

Lack of supervision and lack of instruction are two of the leading causes of lawsuits arising out of youth baseball. Specific supervision is one-on-one interaction between a coach and a single player or a small group of players. Elements of proper supervision include the duty to stop roughhousing, being close enough to adequately observe and intervene if necessary, and proper ratio of adults to youth. Proper instruction requires coaches be knowledgeable in baseball specific techniques and game and safety rules, and that these all of these topics are covered with the athletes.

Your child's baseball coach should be knowledgeable in proper throwing, batting, sliding and catching techniques. Headfirst sliding for young players should be prohibited and batters should be taught how to get out of the way or turn away from a pitch aimed directly at them. The coach should be trained in first-aid and have an emergency medical plan for treatment of injuries in place at all practices and games.

Coaches and umpires should enforce the league's severe weather policy. Policies for practices and games in extreme heat and when lightning is observed should be established in advance of the season.

Youth coaches and umpires should be certified or trained through an organization such as National Youth Sports Coaches Association (NYSCA), which provides an appropriate education on the emotional needs of youth, the role of winning vs. having a positive experience, and the basics of safety and risk management.

Sliding into the bases

Sliding is base running strategy, but learning proper techniques of different slide styles is the key to preventing injuries. The video below illustrates how to slide safely and effectively.

Equipment safety

Proper use and fit of equipment is just as big a factor in minimizing the risk of injury. More than half of all organized sports-related injuries occur during practices, so make sure your child wears all required safety gear every time he or she plays and practices. Players should wear the following:

Field safety

Lightning safety and the 30/30 rule

Outdoor athletic events should be halted or postponed if a thunderstorm is six miles or less away from the site. Use the 30/30 rule for estimating how far away a storm is. Measure the elapsed time from the flash to the bang. A count of five seconds equals a distance of one mile, so a count of thirty seconds equals a distance of six miles. You need to be indoors if, after seeing lightning, you can't count to 30 before hearing a clap of thunder. Stay indoors for 30 minutes after hearing the last clap of thunder. In most cases, when you can hear thunder, you are no longer safe.

We have a lightning fact sheet that offers more information on lightning precautions, myths, and safety tips.

Auto safety

We recommended that sports organizations that transport high school aged and younger children should require parents to transport their children whenever feasible. We also advise that 15- and 12-passenger vans should never be used when renting or borrowing vehicles to transport athletes. These vehicles have a high rollover rate. School buses, 7-passenger minivans, or passenger cars, are the preferred vehicles for team travel.

Baseball risk management content

Sadler Sports Insurance offers free risk management content for baseball leagues, including articles on important injury topics, legal forms such as waiver/release agreements and medical consent, sources for criminal background checks, sex abuse and molestation risk management programs, general ballpark safety risk management programs, awareness training videos on sex abuse and molestation protection, and how to identify and respond to safety hazards at the ballpark.

In addition, excellent baseball specific safety and risk management articles and position statements have been published by the Medical and Safety Advisory Committee of USA Baseball.

Insurance policies needed by typical baseball leagues

  1. Excess Accident with a medical limit of at least $25,000, preferably higher. This policy is a type of no fault insurance that pays medical bills on behalf of injured participants regardless of who was at fault. The coverage is excess or secondary which means that family health insurance, if any, must first respond.
  2. General Liability with an each occurrence limit of $1 million. It best to consider a $2 million option since many field owners require the higher limit. This policy covers certain lawsuits that allege bodily injury to a player or spectator or property damage.
  3. Directors & Officers Liability with an each claim limit of at least $1 million. This policy covers many types of lawsuits that are not covered by General Liability, such as wrongful termination or suspension of league administrators or players, allegations of discrimination, and failure to follow your own rules.
  4. Crime Insurance with a limit of at least $25,000 to protect against employee and volunteer embezzlement or confiscation of equipment or theft of cash by outsiders.
  5. Equipment Insurance with a limit to cover the replacement cost value of your equipment against certain perils such as theft, vandalism, wind, and fire.

In addition, some larger leagues with additional exposures may need to consider Property Insurance on buildings, Auto Insurance, and Workers' Compensation.

For a detailed description of each policy, see our report entitled 7 Critical Mistakes to Avoid When Buying Sports Insurance.