Mass Bay Youth Lacrosse League

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

Policies Automatically Provided for MBYLL 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 $1,000,000
General Aggregate $3,000,000
Products/Completed Operations Aggregate $1,000,000
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
Brain Injury $1,000,000/$3,000,000 Aggregate
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 $1,000,000
Hired Auto Liability $1,000,000

Excess Liability

Provides an additional layer of coverage over General Liability and Non-Owned and Hired Auto Liability*

Each Occurrence $1,000,000
Aggregate $1,000,000

*Excludes sex abuse/molestation and brain injury.

Excess Accident

Full Excess Accident Medical $100,000*
Deductible per claim $1,000
Payout Period 2 years
Accident Death & Specific Loss $20,000*
*Includes Heart & Circulatory Malfunction and Pre Existing Injury

Catastrophe Accident / Cash

Catastrophe Cash$500,000 principal sum (for paralysis, coma, brain death)*

Accident Medical Expense (excess) $1,000,000*
Deductible (coordinates with Excess Accident) $100,000
Benefit Period 10 years
Catastrophe Cash $500,000* principal sum (for paralysis, coma, brain death)**
Accidental Death and Dismemberment $5,000 Principal Sum
*Includes Heart & Circulatory Malfunction and Pre-Existing Injuries
**Payable as $100,000 after 180 day 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 MBYLL 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 MBYLL:

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