DB Baseball

Endorsed Accident, General, Directors & Officer Liability, and Equipment sports insurance program.

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Quick Education

 Accident and General Liability Rates

$250,000 $2,000,000
Division Age Accident Rates per team General Liability Rates per Team
Boys 14  & Under $49.05 $54.32
Pre-Majors 17 & Under $56.40 $54.32
Majors 19 & Under $66.20 $54.32
15u 15 & Under $51.80 $54.32

Rates available from 1-1-2026 to 12-31-2026. Coverage starts January 1, 2026, or on the date the enrollment form and premium payment are received by Sadler Insurance, whichever is later, and continues for 12 months from the effective date.

Click here for a detailed coverage description for all of the above policies (PDF Format)

Note: if you are not a member of DB Baseball, go to our home page to view our other special insurance programs.

FALL BALL ACTIVITIES ARE AUTOMATICALLY COVERED at no additional charge when purchasing regular season coverage and insuring all teams under one application.

SEXUAL ABUSE/MOLESTATION REQUIREMENTS: In addition to running a criminal background check, teams/leagues must have a written plan including policies and procedures to make an incident less likely to occur and an incident response plan that requires notification of law enforcement. If these requirements are not met, your coverage for sex abuse/molestation will not apply. Adoption and implementation of the DB Baseball Child Abuse Protection Plan will satisfy these requirements.

No commissions are payable to insurance agents.

Directors & Officers Liability/Crime/Equipment

  • $1,000,000 Directors & Officers Liability $382 per governing board
  • $2,000,000 Directors & Officers Liability $490 per governing board
  • Equipment/Crime (subject to a minimum premium of $300) 
    • Crime: $25,000 limit and a $500 deductible.
    • Equipment: Limit is based on the Replacement Cost Value of 100% of Organization Owned Equipment with a $500 deductible.

**Please Note: For those who have purchased stand-alone crime in the past, as of 3/1/2024, it is no longer offered as a separate policy. As a result, you will need to report at least $1000 worth of unscheduled miscellaneous equipment whether you want equipment coverage or not to meet the minimum policy requirements. A $300 minimum premium applies for the combined Crime/Equipment policy.  If you have over $1000 worth of equipment and contents, please increase your numbers accordingly. The rate for this is $.0153 (except in HI & NY) multiplied by the Total Replacement Value.

Click here for a detailed coverage description for all of the above policies

DB Baseball Insurance Overview Video

Download– Click on “Download” and follow instructions on your PC or Mac to download video to your laptop for group presentation at a meeting.

Risk Management

Appoint Risk Management Officer (RMO) To Set Up And Manage Plan

  • Selection and Duties Of Sports Risk Management Officer (RMO) (coming soon)

Choose High Quality Insurance Through Endorsed Dixie / Sadler Insurance Plan

  • Review Quick Education section of this web page (see above)
  • Purchase Accident and General Liability on all teams prior to regular season
  • Purchase Directors & Officers Liability / Crime / Equipment policies

Contractual Transfer Of Risk To Other Parties

Avoid Or Mitigate High Risk Activities That Are Not Essential To Your Mission

Address Child Abuse: Sex/Physical/Emotional/Bullying/Hazing/Harassment

Address Brain Injury / Concussion

Coronavirus/COVID-19

Other Serious Risks

Most Common Risks

Document Retention in Event of Litigation

Written Risk Management Plan Templates Pull Together Above