Sadler SODA Summary of Coverages

Summary of Coverages, Limits, Conditions & Exclusions

The Sadler/SODA Amateur Sports Insurance Program provides Medical Expense and General Liability coverage for amateur teams, leagues, tournaments, and officials — youth and adult. This page summarizes the coverages, limits, conditions, and exclusions available under the program. It is intended as an overview only; the certificate of insurance and policy documents control in the event of any conflict.

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Who and What Is Covered

Covered persons: Players, coaches, managers, officials, and other volunteer workers acting on behalf of the insured member organization.

Covered activities: Tryouts, practices, games, participation in tournaments hosted by others, and other group activities conducted and supervised by the policyholder or one of its member organizations.

Eligible sports include:

Don’t see your sport listed? Contact Sadler Insurance at 1-800-622-7370 or soda@sadlersports.com.

Eligibility conditions:

• All participants must be amateur. Professional and semi-professional athletic participants are excluded.
• Coverage is available only to teams domiciled in the U.S. U.S. teams may compete in tournaments held in Canada, but teams domiciled in Canada cannot be covered.

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Medical Expense Insurance

How it works: This coverage applies on an excess basis, meaning any other collectible insurance the injured participant may have must respond first before this plan pays benefits. Covered expenses must be usual and customary, incurred within 52 weeks of the date of the accident, with the first expense incurred within 30 days of the accident.

Adult sports only — additional visit/benefit maximums:

• Physical Therapy & Chiropractic Visits: 5-visit maximum, $50 per visit
• Hospitalization (inpatient & outpatient): $1,000 maximum
• Surgeon’s Benefits: $2,500 maximum
• Anesthesia and Assistant Surgeon: maximum 25% of Surgeon’s Benefits
• Emergency Room: $500 maximum
• Physician Visits: $50 maximum per visit

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General Liability Insurance

Protects the insured sports organization and its directors, officers, coaches, managers, officials, players, employees, and volunteers against liability claims alleging bodily injury, property damage, and personal/advertising injury. Includes a defense attorney and payment up to the selected policy limit in the event of a settlement or jury verdict.

Notes:

• Participant Legal Liability can be increased to $2,000,000 to meet facility requirements upon request, subject to Sadler/carrier approval.
• If Adult General Liability Only is chosen (without supporting Medical Expense coverage), a waiver and release form is required — otherwise, Participant Legal Liability coverage will be voided.
• Coverage is limited to U.S.-based entities only.

Notable exclusions: Sexual Abuse & Molestation; professional and/or semi-professional athletic participants; 24/7 ownership or leasing of facilities. A buyback endorsement is available for Sexual Abuse & Molestation (see Additional Coverages below).

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Coverage Term

• Coverage for Teams & Leagues and for Sports Officials expires one year from the effective date of coverage.
• Coverage for Tournaments expires on the last date of the event listed on the enrollment form.

Important: All charges are fully earned at inception. There are no provisions for cancellations or refunds.

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Additional Coverages

Non-Owned & Hired Auto Liability — Provides coverage if the insured organization is sued for liability arising from the use of a vehicle on organization business, when that vehicle is not owned by the organization (for example, a parent’s vehicle or one borrowed or rented). Coverage excludes 15-passenger vans, and there is no coverage for the driver of any vehicle while transporting youth or adult participants. This policy does not cover physical damage to the non-owned or hired vehicle itself; separate arrangements must be made for that coverage.

Sexual Abuse & Molestation Coverage — This coverage does not apply unless the insured sports organization has each of the following in place:

1. A system for performing and running criminal background checks on paid staff and volunteers.
2. Written procedures that include sexual abuse and molestation prevention.
3. Written procedures that include a response plan for allegations of sexual abuse or molestation, including a requirement that law enforcement be contacted.

Sadler provides a ready-to-adopt template (short form and regular) that meets these requirements. For teams added mid-term to a current insured Member Sports Organization policy, this coverage applies between the team’s purchase effective date and the Member Sports Organization policy’s expiration date.

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Optional Coverages (Not-for-Profit Organizations Only)

To be eligible for these optional coverages, the organization must purchase its General Liability through the SODA program and cannot be a for-profit organization. Contact Sadler Insurance at soda@sadlersports.com or 1-800-622-7370 for eligibility, cost, and a special application.

Directors & Officers Liability — $315 per governing board

• $1,000,000 limit for certain wrongful acts
• Protects against certain claims not covered by General Liability, such as discrimination, wrongful suspension/ejection/termination of personnel or players, or failure to follow the organization’s own rules or bylaws when making a decision
• Covered persons: the local sports organization and its directors, officers, employees, and volunteers
• Does not replace bodily injury, property damage, or personal injury coverage found in a General Liability policy

Equipment / Crime

• Equipment: $1.53 per $100 of value ($1.22 per $100 in HI and NY); covers organization-owned equipment (field maintenance, concessions, fences, scoreboards, bleachers, and similar) against fire, wind, theft, and vandalism; the limit chosen must equal 100% of replacement cost value to avoid a co-insurance penalty; $500 per-claim deductible
• Crime: $280 charge; $25,000 limit covering financial loss from embezzlement of funds or theft of equipment by the organization’s own directors, officers, or staff; $500 deductible
• Combined policy minimum premium: $300

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How to Apply

For fastest service: Apply online at sadlersports.com/soda using the Instant Online Quote & Purchase option (renewing clients should use the renewal link). Pay by check or credit card. Proof of coverage is issued and emailed within seconds.

For regular service: Complete the enrollment form, make your check payable to Sadler Insurance for the total amount due, and send the completed form and check by fax, mail, or overnight delivery. Processing takes 6–10 business days and cannot be expedited; proof of coverage is emailed to the address provided on the form.

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This summary highlights the principal coverages, limits, conditions, and exclusions of the Sadler/SODA Amateur Sports Insurance Program. It does not modify, replace, or take precedence over the policy, certificate of insurance, or enrollment form. Coverage is subject to underwriting approval and the terms of the actual policy issued. For questions, contact Sadler Insurance at 1-800-622-7370 or soda@sadlersports.com.