Policies Automatically Provided for M.B.Y.L.L. Member Programs:
Protects against covered lawsuits and claims where it is alleged that your negligence resulted in bodily injury, property damage, or personal/advertising injury.
|General Aggregate||NONE (unlimited)|
|Products/Completed Operations Aggregate||$2,000,000 per program|
|Damage to Premises Rented to You||$1,000,000|
|Medical Expense Limit||$5,000|
|Sex Abuse/Molestation – each occurrence||$2,000,000|
|Sex Abuse/Molestation – aggregate||$2,000,000 per program|
|Legal Liability to Participants*||$2,000,000|
|Crisis Response-Each Crisis Event/Aggregate||$25,000|
|Cyber Privacy & Client Identity Theft||$10,000 per person / $100,000 aggregate|
|*Coverage subject to use of approved waiver/release forms signed by all players and coaches.|
Non-Owned and Hired Auto Liability
|Non-Owned Auto Liability||$2,000,000|
|Hired Auto Liability||$2,000,000|
|Full Excess Accident Medical||$100,000*|
|Deductible per claim||$1,000|
|Payout Period||3 years|
|Accident Death & Specific Loss||$20,000*|
|*Includes Heart & Circulatory Malfunction|
Catastrophe Accident / Cash
|Accident Medical Expense (excess)||$1,000,000|
|Deductible (coordinates with Excess Accident)||$100,000|
|Incurral Period (to satisfy deductible)||3 years|
|Benefit Period||10 years|
|Catastrophe Cash||$500,000 principal sum (for paralysis, coma, brain death)*|
|*Payable as $100,000 after 12 month waiting period and $40,000 per year thereafter.|
Additional Coverages That May Be Purchased Separately By Member Programs
These coverages are not automatically provided by M.B.Y.L.L. and you must separately apply by completing the application and forwarding to Sadler Sports Insurance along with check. Each policy may be purchased separately.
Directors & Officers Liability
Protects against certain lawsuits not covered by a General Liability policy such as discrimination based on race, sex, age, or handicap; wrongful suspension or termination of personnel or players; or failure to follow your own bylaws when making an administrative decision.
$1,000,000 Per Claim Limit ($1,000 Deductible) – Premium of $300 per member program
$2,000,000 Per Claim Limit ($1,000 Deductible) – Premium of $450 per member program
Covers financial loss due to certain embezzlement of funds or theft of equipment by your own directors, officers, or staff. Also covers theft of money & securities by outsiders.
$25,000 Limit ($500 Deductible) – Premium of $200 per member program
Covers financial loss to equipment owned by member program (sports, concession, maintenance, etc.) due to perils of fire, wind, theft, and vandalism.
Limit is based on Replacement Cost Value of 100% of Member Program Owned Equipment ($500 Deductible)
Rate is $2.00 per $100 of replacement cost value.
$200 minimum premium applies.
Risk Management Content
The following risk management content is most applicable to M.B.Y.L.L.:
- Lightning Safety and 30/30 Rule
- Bleacher Risk Management for Facility Owners and Operators
- Collecting Certificates of Insurance from Vendors
- Before You Sign the Sports Facility Lease Agreement
- 12- and 15-Passenger Vans
- M.B.Y.L.L. Abuse/Molestation Program
- M.B.Y.L.L. Concussion / Brain Injury Risk Management Program
This is not an all-inclusive list, check out our risk management page for other articles, programs, videos and forms.