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League and Tournament Insurance 

For over 43 years Bene-Marc has been offering league and tournament coverage to teams and leagues across the country.  With over 180+ of experience on the Bene-Marc team, clients can speak with a licensed agent to help them with their insurance needs.  Many leagues require different coverage options; therefore, Bene-Marc is ready to assist your team with the coverage limits, benefits, and deductible options that are right for your organization.  Below you will find an example of different coverage limits provided for different sports.  For a custom quote, please call Bene-Marc today to speak an insurance specialist that can assist you with a highly competitive quote. 

Coverage and Limits

 

Commercial General Liability 

 
General Aggregate Limit (Other Than Products – Completed Operations) $ 3,000,000 
Each Occurrence Limit $ 1,000,000
Products – Completed Operations Aggregate Limit $ 1,000,000
Personal and Advertising Injury Limit $ 1,000,000
Damage to Premises Rented to You $    100,000 
Medical Expense Limit (other than participants) $        5,000 

Participant Excess Accident Medical

     
Maximum Accident Medical Limit                                                           $ 100,000      $ 50,000  $ 25,000 
Deductible per Claim                                                            $ 100  $ 100  $ 100 
Accidental Death and Dismemberment                                                            $ 10,000  $ 5,000  $ 5,000 

Higher limits and deductible options available. Contact your agent at Bene-Marc for prices and options. Subject to additional underwriting and premium. 


Eligible Activities and Sports

 

Youth (18 & under) and Adult (19 & over) Participants – Team and League

The following activities and sports are eligible:

 

- Aerobics                                       - Coaches                                                    - Handball                                                 - Rowing and Sculling

- Archery                                        - Crewing- no ocean                                  - Hockey-ice or roller                              - Soccer

- Association of Officials              - Cricket                                                       - Ice Skating                                             - Squash

- Badminton                                  - Cross Country                                          - Indoor Table Sports                             - Swimming-no diving

- Baseball, softball, t-ball            - Curling                                                       - Kickball                                                   - Tennis

- Basketball                                   - Fencing                                                      - Lacrosse                                                 - Track and Field

- Bowling                                       - Field Hockey                                            - Majorettes and Pom Pom                    - Tumbling

- Boxing                                         - Football-flag, tag, or touch                    - Racquetball                                            - Volleyball

- Cheerleading-no pyramids      - Golf                                                           - Referees                                                  - Wrestling

 

* Some sports are not available for adults.                                                 * Rates available per person or team on a seasonal basis.          

* For a complete list of eligible activities, call Bene-Marc.

 

Optional Coverages Available

 

Contact your agent at Bene-Marc for prices and options. Subject to additional underwriting and premium. 

 

- Sexual Abuse and Molestation Coverage                                   - Miscellaneous Property Floater (Sports Equipment)

- Hired and Non-Owned Automobile Coverage                           - Excess Liability Coverage

- Directors and Officers / Employment Practices Liability          - Third Party Property Damage

 

Exclusions

 
The following represent only some of the exclusions contained in the policy.

· All-Terrain Vehicles and Golf Carts

· Gymnastics & Equipment

· Rock Climbing & Equipment

· Bungee Jumping & Equipment

· Inflatable Amusement Devices

· Saddle Animals or Animal Acts

· Directors and Officers Liability

· Miscellaneous Property Floater

· Sexual Abuse & Molestation

· Employment Practices Liability

· Motor Racing Vehicles

· Trampolines

· Equestrian Sports & Exotic Animals

· Non-Owned and Hired Auto

· Triathlons

· Fireworks or Pyrotechnics

· Professional Sporting Activities

· Wall Climbing

· Individual Lessons or Training

· Permanent Annual Operations

· Construction Activity


 

Participant Reporting

The following is an example of what you will be asked to fill out.

Please check one:   Actual Number of Participants / Teams

                                   ⬜ Estimated Number of Participants / Teams What date will your final numbers be available? (___/___/___ )

You MUST calculate and send premium based on your estimated exposure.  Audit forms will be sent with proof of coverage for those who are estimating their participation count.  You are required to report every participant as well as submit any additional premium for your activities for coverage to remain in effect.   WE DO NOT ACCEPT DEPOSIT PREMIUMS, YOU MUST PAY BASED ON AT LEAST YOUR ESTIMATED EXPOSURE.

 

NOTE:  Refunds may ONLY be considered for policy cancellations. Requests for cancellations must be submitted in writing prior to the effective date of your policy and confirmed by our office. Refunds will be subject to policy terms and conditions, which include fully earned minimum premiums. Refunds may be subject to a cancellation penalty.

     

Listed below you will find an example of a quote worksheet for general liability and excess accident medical coverage for baseball, softball, and T-ball.  Each client should select the sport, age, number of teams, and rate per team to determine the total owed for league or tournament coverage.  A customized worksheet will be provided to each client which contains rates and additional coverage options.

 

Example Worksheet for Multiple Sports 

 

All sections MUST be completed. If any optional coverage is desired please contact our office.

 

Section 1 – GENERAL LIABILITY COVERAGE

 

SPORT

 

AGE

# OF

TEAMS

 

X

RATE PER TEAM

 

=

 

TOTAL

BASEBALL

18 & Under

 

X

 

=

 

T-BALL

18 & Under

 

X

 

=

 

SPORT

 

AGE

# OF

PARTICIPANTS

 

X

RATE PER PARTICIPANT

 

=

 

TOTAL

BASKETBALL

18 & Under

 

X

 

=

 

SOCCER

18 & Under

 

X

 

=

 

LACROSSE

18 & Under

 

X

 

=

 

Section 1 – Total Calculated Premium:

=

 

$225.00 Minimum Premium (If calculation is less than $225.00):

=

 

                                               

Section 2 – EXCESS ACCIDENT COVERAGE

 

SPORT

 

AGE

# OF

TEAMS

 

X

RATE PER

TEAM

 

=

 

TOTAL

BASEBALL

12 & Under

 

X

 

=

 

 

13 - 15

 

X

 

=

 

 

16 - 18

 

X

 

=

 

T-BALL

12 & Under

 

X

 

=

 

SPORT

 

AGE

# OF PARTICIPANTS

 

X

RATE PER PARTICIPANT

 

=

 

TOTAL

BASKETBALL

12 & Under

 

X

 

=

 

 

13 - 15

 

X

 

=

 

 

16 - 18

 

X

 

=

 

SOCCER

12 & Under

 

X

 

=

 

 

13 - 15

 

X

 

=

 

 

16 - 18

 

X

 

=

 

LACROSSE

12 & Under

 

X

 

=

 

 

13 - 15

 

X

 

=

 

 

16 - 18

 

X

 

=

 

Section 2 – Total Calculated Premium:

=

 

 

 

Section 3 – TOTALS

 

All sections MUST be completed. If any optional coverage is desired please contact our office.

 

A)

Liability Premium – SECTION 1(Required)

$

 

 

B)

Sexual Abuse & Molestation Coverage

$

 

OPTIONAL – Must submit application for quote.

C)

Non – Owned Auto Coverage

$

 

OPTIONAL – Must submit application for quote.

D)

Sports Equipment Coverage

$

 

OPTIONAL – Must submit application for quote.

E)

Terrorism Coverage (Form WW405D is required even if no coverage is desired)

$

 

OPTIONAL –

F)

Subtotal

$

 

Add Lines A through E

G)

Accident Premium – SECTION 2(Required)

$

 

 

H)

Total Premium Due (Required)

$

 

Add Lines

 

A licensed agent is standing by to assist you with your league, team, and tournament insurance coverage.  Allow the Bene-Marc staff the privilege of working with your team or league.  Find out which options are available to best fit the needs of your organization.  Call the Bene-Marc team for fast, friendly customer service and quality insurance products today.

 

BENE-MARC SPORTS INSURANCE

Play hard and rest easy knowing you are covered… 

 



 
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6301 Southwest Blvd, Suite 101 | Ft. Worth, TX 76132
Phone: 800.247.1734 | Phone: 817.738.6899
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