Dizzy Dean: Brief Coverage Description 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 athletes, coaches, managers, officials, umpires, volunteers, and VIPs of the participating Dizzy Dean league. A VIP is a guest of the policy holder who is granted access to restricted areas where the public is not allowed.

Covered activities are scheduled, approved, and adult-supervised team or league activities including but not limited to tryouts, practice, play, tournaments, clinics, fund-raisers, awards banquets, team outings, and parades including travel to and from the place of such covered activity.

Accident Medical Expense Benefits (full excess):

Maximum benefit amount: $50,000

Deductible (per injury): $0

Dental maximum: $50,000

Accidental Death & Dismemberment Benefit Maximum: $25,000

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, employees, and volunteers while operating within scope of official duties.

Covered activities include activities necessary and incidental to conduct of practices and games and sponsored functions like meetings, banquets, and fund-raisers.

Limits:

Each Occurrence                                          $2,000,000

General Aggregate                                          $2,000,000

Products/Completed Operations Aggregate       $2,000,000

Personal and Advertising injury                         $2,000,000

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

Sex Abuse & Molestation*                            $1,000,000

Non Owned & Hired Auto Liability               $1,000,000

*Coverage for Sex Abuse & Molestation is subject to having a system in place to perform at least one of following background checks: a) Internet sexual offender registry check on all persons with repeated access to youth. Must be performed at least on an annual basis; or b) Criminal background check through a third-party vendor. This check must be performed upon initial employment, subcontracting or volunteering at least once every third year thereafter on a person with repeated access to youth.

This 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

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

Equipment Insurance

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

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