Dixie: Brief Coverage Descriptions of all 5 Insurance Policies
Accident Insurance
Eligible persons include all players, coaches, scorekeepers, umpires, bat boys and girls, safety officers, managers, league officers, league board of directors, employees, and volunteers that participate on behalf of teams for which premium paid.
Covered activities are team or league activities subject to policy terms and conditions, including travel under adult (18 or over) supervision directly to or from such activity except that coverage will not apply to (1) any team or league activity which is contrary to the rules or directives of Dixie, (2) activities on team level that are not directly supervised by the participating organization or authorized team staff of that are contrary to league rules or directives, (3) any scrimmages, tournaments, or other game play against non Dixie teams unless such play is approved by the league president and follows Dixie safety rules and regulations.
Accident Medical Expense Benefits (full excess):
Maximum benefit amount: $250,000
Deductible (per injury) : $0
Dental maximum: : $50,000
Benefit period: 2 years
Accidental Death & Dismemberment Benefit Maximum: $5,000
*This is just a brief summary of coverage for illustrative purposes, please see the plan description for full details.
The above is only a brief summary of coverage for illustrative purposes. Please see the plan description for full details.
General Liability Insurance
Coverage is provided to the league as an entity and respective directors, officers, officials, players, managers, coaches, assistants, umpires, representatives, employees and volunteers while operating within scope of official duties on behalf of the local league.
Covered activities include team or league activities subject to policy terms and conditions, except no coverage will be provided for: (1) any team or league activity which is contrary to the rules or directives of Dixie, (2) activities on a team level that are not directly supervised by the insured or the insured’s authorized team staff or that are contrary to league rules or directives, (3) any scrimmages, tournaments, or other game play against non Dixie teams unless such play is approved by the league president and follows Dixie safety rules and regulations. (4) high risk fund-raising activities, including, but not limited to concerts with more than 2,000 in attendance, any rock rap or hip hop concert, moon walks or moon bounces, climbing walls, all inflatable devices, mechanical rides, amusement devices dunk tanks, animal rides, petting zoos, go-karts, bicycle racing, BMX bicycle or bicycle stunting, obstacle courses, and extreme sports and (5) leasing or subleasing of premises to non Dixie organizations or for non Dixie related activities such as sporting events, fairs, or other special events.
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:
- Has a system in place to perform criminal background checks on all managers, coaches and other authorized adult participants in the league who have repetitive access to and close contact with minor athletes
- Has written procedures that include sexual abuse and molestation prevention
- Has written procedures that include a response plan for allegations of sexual abuse or molestation including a requirement that law enforcement be contacted
Adoption and implementation of the respective DY, DDB, DSI Child Abuse Protection Risk Management Plan will satisfy these requirements and will comply with the federal Safe Sport Act.
The above 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
The above 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 just a brief summary of coverage for illustrative purposes, please see the plan description for full details.
Equipment
- sports equipment and uniforms
- field maintenance equipment
- concession equipment
- fences, bleachers, scoreboards, lights
- small buildings
Covered perils:
- fire
- wind
- theft
- vandalism
The above is only a brief summary of coverage for illustrative purposes. Please see the plan description for full details.