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NYSA Insurance Plans

NYSA Insurance Plans

 

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Covered Sports:  Softball, Baseball, Basketball, Soccer (Youth), Volleyball, Lacrosse, Flag Football, Dance, Officials & Coaches

The Insurance Plan includes

  • $1,000,000 of Liability Insurance Protection.
    Underwritten by The Philadelphia Indemnity Insurance Company
     
  • This is primary liability protection written on an "occurrence basis." It includes coverage for lawsuits brought against you by participants (this is very often excluded in other policies). Protection is provided for your team, league, and sponsors from lawsuits brought against you for both bodily injury and property damage claims arising out of your team's amateur softball activities, including practices, games, exhibitions and tournaments. This policy has a $3,000,000 aggregate limit for Bodily Injury or Property Damage Claims.
  • Exclusions under the Liability Insurance Plan. In addition to the usual exclusions found in the standard commercial general liability policy, there is no coverage for automobile liability; nor for the furnishing, serving or selling of any alcoholic beverage; nor for acts of an intoxicated person.
  • $4,000,000 of Excess Liability Insurance Protection
    Underwritten The Philadelphia Indemnity Insurance Company
  • $25,000 Accident Medical Expense Coverage is provided by Sentry Insurance for accidental injuries to your team members. This covers players for injuries incurred during games, practices, tournaments and/or team group travel that is scheduled, sponsored or supervised by the policyholder (directly to and from team activities). This is EXCESS insurance and only comes into play after you have utilized your personal, group medical insurance, or any health benefit plan, first. If you have no other applicable insurance, this policy will pay on a PRIMARY basis.
  • You can buy this coverage with various deductibles per injury. Benefits, including surgical procedures, are paid on a usual and customary basis. Medical services must begin within 90 days of injury.
  • $10,000 Accidental Death and $10,000 Accidental Dismemberment coverage is an added benefit under the Accidental Plan if an accidental injury to a team member results in death or dismemberment within one year of the date of covered injury.
  • Notable Exclusions under the Accident Plan.
    No benefits will be paid for a loss caused by or resulting in the following:
    1. Suicide or any attempt at suicide or intentionally self-inflicted injury or any attempt at intentionally self-inflicted injury.
    2. Sickness, disease or infections of any kind;  except bacterial infections due to an accidental cut or wound, botulism or ptomaine poisoning.
    3. The Insured’s participation in a felony.
    4. Declared or undeclared war, or any act of declared or undeclared war.
    5. Participation of interscholastic sports, except participation in a Covered Activity.
    6. Travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, other than as a fare-paying passinger on a scheduled or charter flight operated by a scheduled airline.
    7. Any condition for which the Insured is provided benefits under any Workers’Compensation Act, employers’ liability or occupational disease law.
    8. The Insured being under the influence of intoxicants.
Rates include Commissions, Registration & Administrative charges as well as Insurance Premiums.
  • Program Requirements:
     
  • Each Adult Team must complete a waiver roster and/or Release of Liability  & Indemnification Agreement signed by each participant.
  • Each Youth Team must complete a waiver roster and/or Release of Liability  & Indemnification Agreement signed by each parent or guardian of participant under 18 years of age.
  • League Presidents or Team Managers must maintain a copy of each team’s Agreement in their records which must be retained of 5 years.

 

Coverage cannot be canceled. Premiums are fully earned from date of transaction, therefore no refunds can be made.

 

 

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