Massachusetts Youth Lacrosse (MYL)

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

Policies Automatically Provided for MYL 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 Aggregate $5,000,000
Products/Completed Operations Aggregate $2,000,000
Personal/Advertising Injury $1,000,000
Damage to Premises Rented to You $1,000,000
Premises Medical Payments $5,000
Sex Abuse/Molestation – each occurrence (per perpetrator) $1,000,000
Sex Abuse/Molestation – aggregate $2,000,000
Legal Liability to Participants* $1,000,000
Neurodegenerative Injury – Each Occurrence
$1,000,000
Neurodegenerative Injury – Aggregate $1,000,000
Neurodegenerative Injury – Claim Expense Cap
$1,000,000
*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 $1,000,000
Hired Auto Liability $1,000,000

Excess Accident

Covered Persons – Participants, including players, volunteers and staff, performing their normal duties at a “covered activity”.

 

Full Excess Accident Medical $100,000*
Deductible per claim $1,000
Payout Period 104 weeks from date of accident
Accident Death & Specific Loss $20,000*
*Includes Heart & Circulatory Malfunction 

Catastrophe Accident / Cash

Covered Persons – Participants, including players, volunteers and staff, performing their normal duties at a “covered activity”.

**Payable as $100,000 after 180 day waiting period and $40,000 per year thereafter.

 

Accident Medical Expense (excess) $1,000,000*
Deductible (coordinates with Excess Accident) $100,000
Incurral Period (to satisfy deductible) 365 days from injury
Benefit Period 10 years
*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 MYL 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 $315 per member program

$2,000,000 Per Claim Limit ($1,000 Deductible) – Premium of $473 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 MYL:

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