Massachusetts Bay Youth Lacrosse League

Member Insurance Program including Excess Accident, Catastrophe Accident/Cash and General Liability.

Policies Automatically Provided for M.B.Y.L.L. Member Programs:

General Liability

Protects against covered lawsuits and claims where it is alleged that your negligence resulted in bodily injury, property damage, or personal/advertising injury.

Each Occurrence$2,000,000
General AggregateNONE (unlimited)
Products/Completed Operations Aggregate$2,000,000 per program
Personal/Advertising Injury$2,000,000
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

Excess Accident

Full Excess Accident Medical$100,000*
Deductible per claim$1,000
Payout Period3 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 Period10 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.

Print complete application packet

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

Crime Insurance

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

Equipment Insurance

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.:

This is not an all-inclusive list, check out our risk management page for other articles, programs, videos and forms.