Sadler Sports & Recreation Insurance
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Coverage Checklist - Dixie Boys/Majors

Stop! Before Buying Your Sports Insurance, Make Sure Your Plan
Meets Minimum Recommendations!

Submit This Form To Your Agent For completion

Dear Sports Administrator:

If you are not buying your insurance through the endorsed Dixie Boys/Majors/Sadler insurance program, it is recommended that you submit this form to your current insurance agent for his/her completion to make sure that your league carries all four policies. Also, make sure that each policy meets 100% of the minimum recommendations.

Every single recommendation is critical for the protection of your youth and volunteers. Your Dixie Boys/Majors endorsed program meets all the minimum recommendations.

Minimum Recommendations Meets Recommendations Does Not Meet Recommendations
Accident Insurance
  • Medical Limit: $250,000
    		•     
  • Dental Limit should be included
    under the maximum Medical Limit without
    a separate sublimit
    		•     
  • No Internal Payout Limitations on
    categories such as surgeon's fees, daily hospital
    room & board, doctor's visits, etc.
    		•     
  • Insurance Purchased On 100% Of All
    Participants (Not Voluntary)
    		•     
  • Excess Insurance (Not Primary)
    		•     
  • No Deductible
    		•     
  • Payout Period of 2 Years
    		•     
  • Covers 100% of the following persons:
    athletes, coaches, managers, officials, and all other volunteers.
    		•     
  • Covers 100% of the following events:
    tryouts, games, practice, sanctioned tournaments, authorized and supervised nonsport activities on a league-wide or team-wide basis, and travel to and from above under adult supervision.
    		•     

    General Liability
    Limits of Coverage:
    - Each Occurrence: $2,000,000    
    - General Aggregate: unlimited    
    - Products/Completed Ops. Aggregate: $2,000,000    
    - Personal/AdvertisingInjury: included    
    - Participant Liability: included    
    - Contractual Liability: included    
    - Independent Contractors: included    
    - Fire Damage Legal Liability: $300,000    
    - Medical Expense Payments: $5,000    
    - Non Owned-Hired Auto Liability: $1,000,000    
  • Occurrence Policy Form (Not Claims Made)
    		•     
  • Financial Strength "A"- VII or better in Best's
    		•     
  • Covered Persons include the league and its directors, officers, employees and volunteers.
    		•     
  • Coverage can be extended to field owners and sponsors at no additional charge.
    		•     
  • Exclusions: Should Not Contain:
    		•     
    Abuse And Molestation    
    Punitive Damages    
    Athletic Participants    
    Collapse of Temporary Structure    
    Field of Entertainment    
    Contractual Liability Limitation    
  • Note: If your General Liability is provided through a city of county program, have your agent complete the supplementary worksheet entitled "Beware Of General Liability Insurance Provided...By A City Or County...
    		•     

    Directors & Officers Liability
  • Limit of Liability: $1,000,000
    		•     
  • Retention or Deductible: No more than $1,000
    		•     
  • Covered Persons include all of the following:
    sports organizations itself, directors, officers, employees, and volunteers.
    		•     
  • Exclusions: Should Not Contain:
    		•     
    Discrimination    
    Employment Practices Violations    

    Crime (Employee Dishonesty)
  • Limit of Liability: $50,000
    		•     
  • Covers theft by all the following persons:
    employees, directors, officers, and volunteers.
    		•     
  • Covers theft of money & securities by outsiders
    		•     

    The questions above are to be answered by the sports organization's insurance agent and he/she is to complete the information below, date, sign, and return to the sports organization.

    Name of Insurance Agent_________________________________________

    Phone # of Insurance Agent(___)_________________________________

    Date Form Completed_____________________________________________

    Signature of Agent______________________________________________

    Direct all questions to Sadler & Company, P.O. Box 5866, Columbia, SC 29250 or call 1(800)622-7370.

    WARNING: COMPLIANCE WITH THE ABOVE MINIMUM RECOMMENDATIONS DOES NOT GUARANTEE THAT YOUR PROTECTION WILL BE ADEQUATE. AN INSURANCE PROFESSIONAL SHOULD BE CONSULTED FOR ADVICE.

    Go to the:
    Municipal Insurance Checklist Supplement

    If Liability Coverage Provided By Municipal Rec. Dept., City, or County