TUESDAY, MAY 10, 2022
Participating in youth softball can generate exciting memories for players, coaches, and families. But teams, leagues and athletes need to be prepared for the potential risk of this activity. Having a comprehensive insurance policy can provide essential coverages for these exposures.
The knowledgeable agents at Bene-Marc Inc. can help you find the right policy for your needs. Contact us today for additional information.
Why Is Youth Softball Insurance Important? 
Having proper insurance is vital for youth softball organizations. The risk of injury is always present while playing sports and hosting athletic events. Equipment can be damaged or stolen, and lawsuits may arise. Insurance may provide coverage for these events, which can often be costly. Having an insurance policy in place can provide financial protection for coaches, athletes, organizations, spectators and other involved parties.
Insurance Coverages for Youth Softball
Youth softball organizations have unique needs. Available coverages may include:
- Accident insurance. Accident insurance may cover medical expenses for injured participants, regardless of fault. It typically is secondary insurance and provides payment if the individual’s policy coverage limit is reached.
- General liability insurance. If a softball organization is responsible for the property damage or injuries of third parties (e.g., participants or spectators) general liability insurance may compensate for their losses (e.g., property replacement costs or medical bills.). It may also cover a softball organization’s legal expenses (e.g., attorney fees, settlements and judgments).
- Property insurance. Youth softball organizations typically have several types of property. Whether they are bats and balls or fences, signs, bleachers and buildings, property may be damaged or destroyed. Property insurance may provide repair or replacement costs a loss caused by a covered event.
- Directors and officers (D&O) liability insurance. Directors and officers of youth softball organizations often make big decisions. D&O liability insurance may provide coverage if they are sued for the actions they took on behalf of the organization. It may compensate for legal fees and insure against personal losses.
- Crime insurance. Even with proper training and vetting, youth softball organizations are still vulnerable to dishonest employee acts such as fraud and embezzlement. Crime insurance may provide financial safeguards if those crimes occur. Coverage may also be available to protect against volunteers’ dishonest acts.
- Commercial auto insurance. Commercial auto insurance may provide coverage if an accident occurs involving a softball organization’s vehicles. Insurance may be available for owned, non-owned and hired vehicles.
- Cyber risk insurance. Cyber risk insurance may help pay for expenses associated with data breaches and cyberattacks that may affect softball organizations’ computer systems. Coverage may pay for costs related to these events, such as notification costs and penalties.
Several other coverages may be available. Your agent can discuss options, exclusions and limitations to help ensure that you obtain the insurance that fits your needs.
Risk Management
In addition to obtaining insurance, risk management strategies may be helpful for youth softball organizations. For example, risk identification can point to the sources of common injuries and teach proper techniques to help reduce them.
According to a study published in the Orthopaedic Journal of Sports Medicine, lower extremity injuries (e.g., sprains and strains) are common in youth softball. One technique that could potentially reduce some of them would be to focus on coaching proper sliding techniques.
Teams may benefit from other risk management practices as well, and it is essential to continue to identify, analyze and treat risks.
How Much Is Insurance for Youth Softball?
The cost of a comprehensive insurance plan varies on factors such as:
- The number and age of participants.
- The program’s size, location and history of claims.
- Selected coverages and limits.
Contact Us Today
The team at Bene-Marc. can assist youth softball organizations with their insurance needs. Give us a call today at 800-247-1734 or visit our website for more information.
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