Basketball Insurance

Sports Leagues/Teams General Liability Insurance

Protects you in the event of a lawsuit or property damage.
Accident Medical policy with a $25,000 limit is required.

Who is covered?
Any kind of legal action is incredibly expensive, even if you are innocent or a lawsuit is frivolous. This program provides coverage for coaches, participants, volunteers, staff members, officers or directors against claims of bodily injury, property damage, personal and advertising injury liabilities, and the litigation costs to defend against such claims.

Additional insureds such as park districts, gyms, fields, etc. can be added for a minimal charge of $10 each facility.

General Liability Limits*

• $ 3,000,000 General Aggregate
• $ 1,000,000 Products/Completed Operations
• $ 1,000,000 Personal & Advertising Injury
• $ 1,000,000 Each Occurrence
• $ 100,000 Fire Damage
• $ 25,000/$50,000 Aggregate Sexual Abuse
• $ 500.00 Deductible per Claim

(Increased Liability Limits are available upon request)

Coverage Includes Suits Arising Out Of:

• Injury or death of a participant
• Injury or death of a staff member
• Injury or death of a volunteer
• Injury or death of a spectator
• Property damage liability
• All activities necessary to conduct practices or games
• Ownership, use, or maintenance of fields or practice areas
• General negligence claims
• Cost of investigation and defense of claims, even if the claim is groundless
• Corporate Punishment
• Incidental Medical Malpractice
• Sexual Abuse and Molestation

Release and Waiver Requirement
Each Policyholder must keep on file a current completed and signed Release and Waiver of Liability/Informed Consent for each athletic participant prior to the participation in any Policyholder activity. Policyholders are responsible for distributing forms to their athletic participants and maintaining completed forms for simultaneous delivery at the time of notice of an athletic participant’s injury claim. Provided you have implemented such procedures and you are unable to secure and provide such “release” despite your best efforts, you must assume and pay the first $2,500 of each occurrence (including supplemental payments) resulting in an “athletic participant” legal liability claims. “Athletic participant” means players, coaches, managers, stage members, team workers, officials and volunteers who have been granted proper authorization to enter any “sponsored events.”

Exclusions and Ineligible Sports & Activities
You must refer to the policy for complete information on policy exclusions. Your exclusions include, but are not limited to: Terrorism, war, asbestos, aircraft, assault and battery, collapse of temporary structure, owned auto coverage, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, medical payments, nuclear energy liability, professional liability, total fireworks & pyrotechnics, total pollution, and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.

Note: There is no liability coverage for claims arising out of any of the following activities: All motor sports, ballooning, bungee jumping, velcro jumps, cheerleading pyramids over 2 1/2 persons high, inflatables, luge, mountain climbing, parachuting, parasailing, hang gliding, polo, rock climbing, rodeo or any equestrian-related sports, snow skiing, diving, sale/manufacture or distribution of any athletic equipment, skin diving, SCUBA diving, snow skiing, squash, tobogganing, use of saunas or other tanning devices,water slides,whitewater rafting, boating, saddle animal exposures, Skateboarding, Trampolines (over 46” in diameter), Mechanical Bulls and Paint ball.

The Accident Medical Insurance Plan

Pays the medical bills of an insured participant or staff member.

Who is covered?
All participants and Policyholder staff in the covered activity, as stated in the application.

Covered Activity
All activities sponsored and supervised by the Policyholder stated in the application and travel directly and without interruption, to and from any Policyholder sponsored activity and his or her home or place of residence.

Accident Medical Expense Benefits
If the Insured Person incurs Covered Expenses as the direct result of an injury and independent of all other causes, the Company will pay the charges incurred for such expense in excess of the Deductible Amount, not to exceed the Maximum Medical Benefit. The first such expense must be incurred within 60 days after the date of the accident.

Covered Expenses are charges for medically necessary services or supplies made by a hospital, doctor, ambulance service, laboratory, clinic or pharmacy within one year of the date of the injury, not to exceed the reasonable and customary charges in the area where care is provided. Dental Expense due to accidental injury is limited to $250 per tooth/per accident to a maximum of $1,000 policy limit.

Excess Coverage
This plan does not cover treatment or service for which benefits are payable or available under any other insurance or medical service plan available to the Insured Person.

Accident Medical Expense Limits

$ 25,000	Maximum Medical Benefit
$ 10,000	Accidental Death and Dismemberment Benefit
$   5,000	Spectator Medical Benefit
$      100	Deductible per Claim

Accidental Death & Dismemberment Limit & Benefits

If Injury to the Insured results, within 365 days of the date of the accident that caused the Injury, in any one of the Losses specified below, the Company will pay the percentage of the Maximum Amount shown below for that Loss:

Both Hands or Both Feet	$10,000
Sight of Both Eyes	$10,000
One Hand and One Foot	$10,000
One Hand and the Sight of One Eye	$10,000
One Foot and the Sight of One Eye	$10,000
Speech and Hearing in Both Ears	$10,000
One Hand or One Foot	$5,000
The Sight of One Eye	$5,000
Speech or Hearing in Both Ears	$5,000
Thumb and Index Finger of Same Hand	$2,500

“Loss” of a hand or foot means complete severance through or above the wrist or ankle joint. “Loss” of sight of an eye means total and irrecoverable loss of the entire sight in that eye. “Loss” of hearing in an ear means total and irrecoverable loss of the entire ability to hear in that ear. “Loss” of speech means total and irrecoverable loss of the entire ability to speak. “Loss” of thumb and index finger means complete severance through or above the metacarpophalangeal joint of both digits.

If more than one Loss is sustained by an Insured as a result of the same accident, only one amount, the largest, will be paid.

Exclusions and Limitations
You must refer to the policy for complete information on policy exclusions. Your exclusions include, but are not limited to, the following:

• Suicide or any attempt at suicide or intentionally self inflicted injury or any attempt at intentionally self inflicted injury
• Sickness, disease or infections of any kind; except bacterial infections due to an accidental cut or wound, botulism or ptomaine poisoning
• The Insured’s commission of or attempt to commit a felony.
• Declared or undeclared war, or any act of declared or undeclared war
• War, invasion, acts of foreign enemies, civil war, rebellion, insurrection or insurgencies
• Travel or flight in or descent from any aircraft, unless the Insured Person is a fare-paying passenger on a regularly scheduled flight on a commercial airline
• Any condition for which the Insured is entitled to benefits under any Workers’ Compensation Act or similar law
• The Insured being under the influence of drugs or intoxicants, unless taken under the advice of a Physician.
• Treatment of a Pre-existing Condition
• Charges incurred for cosmetic procedures unless made Medically Necessary by an injury
• Charges exceeding the reasonable & customary charge.
• Charges incurred for dental work unless the Insured Person sustains an injury which results in damage to his or her natural teeth
• Eyeglasses, contact lenses, hearing aids

Limitations on Multiple Benefits

If an Insured suffers one or more losses from the same accident for which amounts are payable under more than one of the following Benefits provided by this Policy, the maximum amount payable under all of the Benefits combined will not exceed the amount payable for one of those losses, the largest: Accidental Death Benefit, Accidental Dismemberment Benefit, Paralysis Benefit.

Limitation on Multiple Covered Activities. If an Insured Person’s Injury is caused by an accident that occurs while the Insured is participating in more than one Covered Activity applicable to that Insured, and if the same Benefit applies to that Insured with respect to more than one such Covered Activity, then for Policy purposes the Maximum Amount for that Benefit for that Insured for that accident will be determined as though the accident occurred while the Insured was participating in only one such Covered Activity, the one with the largest Maximum Amount for that Benefit for that person.