Adult Baseball, Softball & Kickball Insurance Program

Specialty Accident & Liability Insurance Coverage

Baseball teams and leagues throughout the nation have utilized FL Dean & Associates to obtain their insurance coverages since 1989.

Coverages available include:

• Accident Insurance - which pays the medical bills of an injured player, coach or volunteer worker.
• Liability Insurance - provides protection against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims.

The Accident Coverage

Medical Expense Benefit

If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of accident. Payment will be made for eligible expenses in excess of the applicable Deductible Amount, not to exceed the Maximum Medical Benefit.

The first such expense must be incurred within 90 days after the date of the accident. "Eligible expense" means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.

• Medical and surgical care by a physician
• Radiology (X-rays)
• Prescription drugs and medicines
• Dental treatment of sound natural teeth
• Hospital care and service in semiprivate accommodations, or as an outpatient
• Ambulance service from the scene of the accident to the nearest hospital
• Orthopedic appliances necessary to promote healing

Accidental Death and Dismemberment Benefit

If a covered injury results in any of the losses specified below within 365 days of the date of the accident, the Company will pay the applicable amount:

• Full Principal Sum for loss of life, double dismemberment or quadriplegia
• Full Principal Sum for loss of sight, loss of hearing, or loss of speech that is irrecoverable by natural, surgical or artificial means
• 50% of the Principal Sum for loss of one arm, one leg, one hand, or one foot
• 50% of the Principal Sum for paraplegia or hemiplegia
• 50% of the Principal Sum as a monthly benefit for Coma
• 25% of the Principal Sum for loss of index finger and thumb of same hand or four fingers of the same hand

We will not pay more than the Principal Sum for this benefit for all losses due to the same accident.

The Liability Coverage

Who Is Covered

General liability program provides protection for your Baseball Teams, owners, directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.

Coverage includes suits arising out of:

• Injury or death of participants
• Injury or death of spectators
• Injury or death of volunteers
• Property damage liability
• Host liquor liability (nonprofit)
• General negligence claims
• Activities necessary or incidental to conduct of activities
• Cost of investigation and defense of claims
• Ownership, use, or maintenance of gyms, fields, or practice areas

Additional Insured parties may be added at no charge (not including independent contractors). Please note, the optional Primary and Non Contributory endorsement and Waiver of Subrogation endorsement will cost $100.00 each if requested.

Premium Rates

The combined Accident and Liability premium rate begins at:

$500.31 Per Team

Note: Certain exclusions and limitations may be modified to meet individual state requirements. Rates and minimum premium may be higher in certain coverage states.

A 3% Credit Card Processing Fee will be added to all non-financed credit card orders. Credit Card Fee does not apply in FL.

Insurer

The General Liability and Accident coverage are provided by Great American Insurance Group.