Dixie: Brief Coverage Descriptions of all 5 Insurance Policies

Accident Insurance

Pays medical bills on behalf of injured participants on an excess basis after family health insurance, if any, has first responded. If there is no existing family health insurance, benefits are paid on a primary basis.

Eligible persons include all players, coaches, scorekeepers, umpires, bat boys and girls, safety officers, managers, league officers, league board of directors, employees, and volunteers that participate on behalf of teams for which premium paid.

Covered activities are team or league activities including travel under adult (18 or over) supervision directly to or from such activity except that coverage will not apply to (1) any team or league activity which is contrary to the rules or directives of Dixie, (2) activities on team level that are not directly supervised by the participating organization or authorized team staff of that are contrary to league rules or directives, (3) any scrimmages, tournaments, or other game play against non Dixie teams unless such play is approved by the league president, follows Dixie safety rules and regulations, and is played with players who are officially registered with such league for regular season or fall ball play.

Accident Medical Expense Benefits (full excess):

Maximum benefit amount: $250,000

Deductible (per injury)     : $0

Dental maximum:           : $50,000

Benefit period:  2 years

Accidental Death & Dismemberment Benefit Maximum: $5,000

*This is just a brief summary of coverage for illustrative purposes, please see the plan description for full details.

The above is only a brief summary of coverage for illustrative purposes. Please see the plan description for full details.

General Liability Insurance

Responds to certain lawsuits alleging bodily injury, property damage, personal injury (ex: slander, libel), and advertising injury. Most covered claims arise from bodily injury to a spectator or participant. The policy pays for legal defense and any adverse jury verdict or settlement amount.

Coverage is provided to the league as an entity and respective directors, officers, officials, players, managers, coaches, assistants, umpires, representatives, employees and volunteers while operating within scope of official duties on behalf of the local league.

Covered activities include team or league activities except no coverage will be provided for: (1) any team or league activity which is contrary to the rules or directives of Dixie, (2) activities on a team level that are not directly supervised by the insured or the insured’s authorized team staff or that are contrary to league rules or directives, (3) any scrimmages, tournaments, or other game play against non Dixie teams unless such play is approved by the league president, follows Dixie safety rules and regulations, and is played with players who are officially resisted with such league for regular season or fall ball play, (4) high risk fund-raising activities, including, but not limited to concerts with more than 2,000 in attendance, any rock rap or hip hop concert, moon walks or moon bounces, climbing walls, all inflatable devices, mechanical rides, amusement devices dunk tanks, animal rides, petting zoos, go-karts, bicycle racing, BMX bicycle or bicycle stunting, obstacle courses, and extreme sports and (5) leasing or subleasing of premises to non Dixie organizations or for non Dixie related activities such as sporting events, fairs, or other special events.

Limits:

Each Occurrence                                                $2,000,000

General Aggregate                                        $NONE

Products/Completed Operations Aggregate         $2,000,000

Personal and Advertising injury                         $2,000,000

Damage To Premises Rented To You                $1,000,000

Medical Expense Payments                              $      5,000

Sex Abuse & Molestation*                                $2,000,000

Legal Liability To Participants                          $2,000,000

Non Owned & Hired Auto Liability                   $2,000,000

 *Coverage for Sex Abuse & Molestation will not apply unless the insured team or league implements the following requirements:

  1. Has a system in place to perform criminal background checks on paid and volunteer staff.
  2. Has written procedures that include sexual abuse and molestation prevention
  3. Has written procedures that include a response plan for allegations of sexual abuse or molestation including a requirement that law enforcement be contacted

Sadler has a one-page sex abuse & molestation risk management plan that if adopted and implemented will comply with these requirements. See risk management section.

The above is only a brief summary of coverage for illustrative purposes. Please see the plan description for full details.

Directors & Officers Liability

Responds to certain lawsuits alleging “wrongful acts” such as discrimination based on age, sex, race, or handicap; failure to follow your own rules or bylaws when making administrative decisions; and wrongful suspension or termination of league personnel or players.

Coverage is extended to the league as an entity and respective directors, officers, employees, and volunteers.

Limits:

$1,000,000 or $2,000,000

The above is only a brief summary of coverage for illustrative purposes. Please see the plan description for full details.

Crime

Pays for financial loss due to insider:

  • embezzlement of funds 
  • improper payment of personal expenses from league accounts or credit card charges
  • theft of other property

Pays for financial loss due to outsider:

  • Theft of money & securities

$25,000 limit

$500 deductible

*This is just a brief summary of coverage for illustrative purposes, please see the plan description for full details.

Equipment

Pays for financial loss to league equipment such as:

  • sports equipment and uniforms
  • field maintenance equipment
  • concession equipment
  • fences, bleachers, scoreboards, lights
  • small buildings

Covered perils:

  • fire
  • wind
  • theft
  • vandalism

The above is only a brief summary of coverage for illustrative purposes. Please see the plan description for full details.