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 on behalf of the local league.

Covered Activities: Coverage is provided for Members of Dizzy Dean Baseball Associations and/or Teams that have activities that are scheduled, sanctioned, approved, organized and supervised by such member teams and associations.  Coverage includes, but is not limited to, tryouts; practices; clinics; camps; tournaments; fundraising; meetings; premises operations; field preparation and maintenance.  Coverage also includes event set up and tear down periods, banquets and ceremonies.

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

Premises Medical Payments                               $      5,000

Sex Abuse & Molestation*                                $1,000,000 each occurrence/$2,000,000 aggregate

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. Have a system in place to perform criminal background checks on paid and volunteer staff.  
  2. Have written procedures that include sexual abuse and molestation prevention
  3. Have 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.

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

In addition, the policy includes the following coverage enhancements:

Publishers Injury:

  • Includes Electronic Media Liability for content on website and social media
  • $100,000 sublimit

Cyber Privacy and Client Identity Theft included:

  • Network Remediation – $5,000
  • Loss or theft of client personal information – $2,500 per person with $25,000 aggregate 

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.