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* | $2,000,000 |
|
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/EPLI Overview:
-
- 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 $377 per governing board for all states outside of Hawaii. (State of Hawaii Premium is $497 per governing board)
- The Directors & Officers Insurance policy is available only to organizations having a current General Liability policy in force through Sadler & Company. View Plan Description for Coverage details, What is covered and Examples of potentially covered lawsuits.
- Equipment Coverage: Covers certain financial loss to equipment owned by chapter (sports, concession, maintenance, etc.) due to perils of fire, wind, theft, and vandalism. The limit is based on the Replacement Cost Value of 100% of Organization Owned Equipment with a $500 deductible.
- Crime Coverage: Covers certain financial loss due to embezzlement of funds or theft of equipment by your own directors, officers, or staff. This coverage comes with a $25,000 limit and a $500 deductible.
- The Equipment/Crime Insurance policy is available only to organizations having a current General Liability policy in force through Sadler & Company. View Plan Description for Coverage details, What is covered and Examples of potentially covered lawsuits.
- **Please Note: For those who have purchased stand-alone crime in the past, it is no longer offered as a separate policy. As a result, you will need to report at least $1,000 worth of unscheduled miscellaneous equipment whether you want equipment coverage or not to meet the minimum policy requirements. A $300 minimum premium applies for the combined Crime/Equipment policy. If you have over $1000 worth of equipment and contents, please increase your numbers accordingly. The rate for this is $.0153 (except in HI & NY) multiplied by the Total Replacement Value.
Risk Management Content
The following risk management content is most applicable to MYL:
- 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
- Sport Risk Management Program
- Brain Injury Program
- Abuse/Molestation Program
- Abuse/Molestation Program (Long)
- Abuse Avoidance Training for Minors (Ages 4-12)
- Abuse Avoidance Training for Minors (Ages 13-17)
This is not an all-inclusive list, check out our risk management page for other articles, programs, videos and forms.