Dixie: Before You Apply for Coverage
What you need to know before you apply for coverage
Apply under the name of your league instead of separately for teams for maximum protection
You need to buy Accident and General Liability insurance on 100% of your regular season teams before tryouts to protect yourself and to comply with Dixie rule book tournament insurance requirements for travel teams and tournament hosting
Don't try to game the system by under reporting the number of teams on your application in an attempt to save money. This will jeopardize the payment of your claims and will hurt the integrity and competitiveness of the Dixie insurance program.
Which of the 5 insurance policies do you need? Most leagues need all of them.
Without a doubt, you need to carry Accident and General Liability insurance to protect your league and teams and respective directors, officers, staff and players. Not carrying these two policies on all teams in the league is the equivalent of managerial negligence.
Leagues also need to carry Directors & Officers Liability insurance because of the escalation in lawsuit types that are not covered by General Liability such as discrimination based on race, sex, age, or handicap; failure to follow own rules or bylaws when making a decision such as player eligibility dispute; and wrongful suspension or termination of staff or players.
A Crime policy is a must for leagues that maintain bank and credit card accounts. Any league that does not have appropriate financial checks and balances on these accounts is ripe for insider embezzlement, use of league account to make personal purchases, or theft of equipment.
Any league that has significant equipment values at risk in the event of fire, wind, outsider theft, or vandalism should purchase Equipment insurance.