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:
$2,000,000 | Each Occurrence |
$5,000,000 | General Aggregate |
$2,000,000 | Products/Completed Operations Aggregate |
$1,000,000 | Personal/Advertising Injury |
$1,000,000 | Damage To Premises Rented to You |
$5,000 | Medical Expense Payments |
$1,000,0000 Each Occurrence/$2,000,0000 Aggregate | Sex Abuse & Molestation Sublimit |
$2,000,000 | Participant Liability Sublimit |
$1,000,000 | Neurodegenerative Injury Sublimit |
$1,000,000 | Non Owned & Hired Auto Liability |
*Coverage for Sex Abuse & Molestation will not apply unless the insured team or league implements the following requirements:
- Have a system in place to perform criminal background checks on paid and volunteer staff.
- Have written procedures that include sexual abuse and molestation prevention
- Have written procedures that include a response plan for allegations of sexual abuse or molestation including a requirement that law enforcement be contacted
See the Dizzy Dean Child Abuse Risk Management Plan, that if adopted and implemented, will satisfy the requirements of the Safe Sport Act as well as these insurance requirements.
This is only a brief summary of coverage for illustrative purposes. Please see the plan description for full details.
Directors & Officers Liability
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
- 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
- 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.