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.
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
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
|
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:
|
=
|
|
|
|
|
|
|
|
|
|
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…