USSSA INSURANCE

1 USSSA INSURANCE . 2022. FREQUENTLY ASKED. QUESTIONS. Edgewood Partners INSURANCE Center | CA License 0B29370. TABLE OF CONTENTS. GENERAL INFORMATION .. 3. FIELD FACILITY OWNER POLICY .. 4. TEAM/LEAGUE INSURANCE .. 6. TOURNAMENT INSURANCE .. 10. OFFICALS INSURANCE (FOR USSA ACTIVITIES) .. 11. OFFICIALS INSURANCE (FOR NON- USSSA ACTIVITIES) .. 12. QUESTIONS ABOUT THE USSSA INSURANCE PROGRAM? Email us at: Edgewood Partners INSURANCE Center | CA License 0B29370 2. GENERAL INFORMATION. WHAT DOES THE USSSA LIABILITY POLICY DO THE USSSA GENERAL LIABILITY. COVER? POLICIES COVER LAWSUITS FROM ATHLETIC. The General Liability Policy protects you from lawsuits PARTICIPANTS? arising out of bodily injury or property damage to others Yes. This is crucial coverage which is often excluded on during the practice or play of the insured sport. other general liability policies. WHAT DOES THE USSSA ACCIDENT POLICY ARE WAIVER FORMS REQUIRED IN THE USSSA . COVER? GENERAL LIABILITY PROGRAM?

2 The Participant Accident Policy pays for covered medical expenses incurred within one year after an accident, to Adult Sports a maximum of $100,000 per accident for each insured Waivers are required for all Adult Sports. person. Treatment must begin within 30 days of an accident. Coverage is provided on a secondary basis. If Youth Sports other collectible INSURANCE is in force, it must be used as Generally, NO. We strongly urge all participants to sign a primary. If no other coverage is in force, this coverage waiver, but failure to do so will not jeopardize coverage. becomes primary. Waivers are included in the USSSA roster forms. DO I HAVE TO REGISTER WITH USSSA TO ARE THE USSSA GENERAL LIABILITY POLICIES. PURCHASE INSURANCE ? WRITTEN ON AN OCCURRENCE OR ON A. CLAIMS MADE FORM? Yes. All teams MUST be registered with USSSA in order to participate in the INSURANCE program. Registration needs An occurrence form. With an occurrence based policy, to be current for each season.

3 The registration season even though the policy may have expired as of the time runs 8/1-8/1. the insured received notice of the claim, the policy will afford coverage for a covered loss IS ANY INSURANCE PROVIDED WHEN MY TEAM. REGISTERS WITH USSSA ? A PERSON WITH DISABILITY REQUESTS. TO PARTICIPATE IN A USSSA EVENT. WHAT. NO. Registered teams are eligible to purchase USSSA . team INSURANCE . PROCEDURE SHOULD YOU FOLLOW? You should request a waiver/assumption of risk form IF MY ENTIRE LEAGUE REGISTERS WITH USSSA , from EPIC Brokers. This form must be signed prior to ARE ANY INSURANCE BENEFITS PROVIDED? participation in the activity in question. Yes. Liability Coverage is extended for league officers DO THE USSSA GENERAL LIABILITY POLICIES. and board members in the event they are named in a claim or suit arising out of the negligent acts of one of AUTOMATICALLY INCLUDE LIQUOR LIABILITY. their registered teams. The coverage limit is $2,000,000. COVERAGE? Coverage does not extend to players, coaches, volunteers, NO.

4 Liquor liability is excluded. etc., unless the entire league purchases team INSURANCE . WHAT IS THE POLICY LIMIT ON THE USSSA . GENERAL LIABILITY POLICY? $2,000,000 Per Occurrence (this is the maximum limit that will be paid in any one occurrence) $2,000,000. Aggregate Limit (this is the maximum limit payable in any one policy term). QUESTIONS ABOUT THE USSSA INSURANCE PROGRAM? Email us at: Edgewood Partners INSURANCE Center | CA License 0B29370 3. FIELD/FACILITY OWNER POLICY. WHO IS COVERED UNDER THE FIELD/FACILITY IS COVERAGE PROVIDED ON A TWENTY-FOUR. OWNERS LIABILITY INSURANCE POLICY? HOUR BASIS? Only the Field Owner is protected from lawsuits that arise No. Coverage is in effect during USSSA sanctioned activities out of the play or practice of a USSSA sanctioned sport. only, including normal arrivals and departures. WHAT IS THE POLICY LIMIT ON THE USSSA WHEN DOES THE FIELD/FACILITY OWNER. PUBLIC FIELD/FACILITY OWNER LIABILITY COVERAGE BECOME EFFECTIVE?

5 POLICIES? Within 48 hours of receipt of the application and proper $2,000,000 Per Occurrence (this is the maximum limit premium by USSSA , 5800 Stadium Parkway, Melbourne, FL. that will be paid in any one occurrence) 32940. USSSA Directors can purchase on line and coverage $4,000,000 Aggregate Limit (this is the maximum limit will be effective as soon as the credit card is accepted. payable in any one policy term). WHEN DOES FIELD/FACILITY OWNER COVERAGE. WHO IS ELIGIBLE TO PURCHASE THE FIELD/. EXPIRE? FACILITY OWNER POLICY? January 1st, 2023 at 12:01am. Coverage is provided until Any Field/Facility Owner (City, County, School District, or the end of the calendar year, not for a twelve-month Parks &Recreation Department, Privately Owned Facility). period from the date of purchase. DOES THE USSSA FIELD/FACILITY OWNER. WHAT IS THE COST TO PURCHASE TO THE FIELD/. POLICY COVER MEDICAL PAYMENTS TO ATHLETIC. FACILITY OWNER POLICY? PARTICIPANTS? No. Medical coverage can be purchased by individual Full Season $625 Full Season / $325 Weekend Coverage teams on the USSSA Team Policy.

6 DOES THE USSSA FIELD/FACILITY OWNER. POLICY COVER LAWSUITS FROM ATHLETIC. WHAT ARE THE REQUIREMENTS FOR COVERAGE. PARTICIPANTS? TO BE IN EFFECT IN THE FIELD/FACILITY OWNER. POLICY? Yes. This is a crucial coverage, which is often excluded on other general liability policies. 1. Coverage is in effect for USSSA sanctioned activities only. 2. All teams must be registered. 3. All officials must be registered. 4. All tournaments must be sanctioned 5. USSSA licensed equipment must be used. QUESTIONS ABOUT THE USSSA INSURANCE PROGRAM? Email us at: Edgewood Partners INSURANCE Center | CA License 0B29370 4. PUBLIC/PRIVATE FIELD/FACILITY OWNER POLICY. DOES THE USSSA FIELD/FACILITY OWNER IS A FIELD/FACILITY OWNER COVERED BY THE. POLICY COVER LAWSUITS FROM SPECTATORS? USSSA LIABILITY POLICIES WHEN A USSSA . Yes. REGISTERED TEAM IS PRACTICING? Yes. SHOULD A PUBLIC OR PRIVATE FIELD/. FACILITY OWNER PURCHASE OTHER LIABILITY IS LIABILITY COVERAGE PROVIDED FOR THE USE.

7 INSURANCE ? OF A GOLF CART AT DURING USSSA SACNTIONED. Yes. Coverage is needed for activities that are not USSSA EVENTS? sanctioned. Also coverage is needed for off hours when Yes. The motorized vehicle exclusion does not apply to golf USSSA activities are not being held, as well as for liquor carts. liability (if needed). A FOUL BALL OR HOMERUN HITS A VEHICLE. CAN A PRIVATE FIELD/FACILITY OWNER/ PARKED IN THE PARKING LOT. WILL THE FIELD/. OPERATOR PURCHASE COVERAGE FOR OFF FACILITY OWNER POLICY LIABILITY COVER THIS. HOURS AND NON- USSSA EVENTS? LOSS? Yes. This program is available only to Private Field/ Yes. If the loss is caused in whole or in part by USSSA . Facility Owners/Operators who are currently insured in Since most losses of this type are not due to the the USSSA Field/Facility Owners/Operators program. negligence of USSSA , you should never say that you Contact us at for details and an have coverage for this type of loss. Some liability is application.

8 Assumed when parking a vehicle at a field. Always submit the details of the loss for a decision to be made by the CAN MORE THAN ONE ENTITY BE COVERED BY INSURANCE carrier. ONE PUBLIC FIELD/FACILITY OWNER INSURED. CERTIFICATE? THE FALL SEASON ENDS IN JANUARY 2023. WILL THE 2022 FIELD/FACILITY OWNER POLICY. No. Only the Fields/Facilities owned by one entity EXTEND TO COVER GAMES PLAYED IN JANUARY? can be covered on a Field/Facility Owner policy. Each Municipality or Privately owned facility must purchase No. All coverage expires on January 1st, 2023. There are their own policy. no exceptions for any reason. IS COVERAGE PROVIDED FOR THE USE OF A WHAT SHOULD A FIELD/FACILITY OWNER DO. CONCESSION STAND? WHEN SERVED WITH A LAWSUIT? Yes. Product liability is provided with $2,000,000 per Any lawsuit or letter from an attorney should be sent occurrence, $4,000,000 aggregate limit. Liquor liability is immediately to with a copy of your excluded. Certificate of INSURANCE .

9 IF AN EMPLOYEE OF AN INSURED FIELD/FACILITY. OWNER IS SUED DURING A USSSA SANCTIONED. ACTIVIY, DOES THE USSSA GENERAL LIABILITY. POLICY PROVIDE COVERAGE? Yes. Employees are covered as insured's, subject to the terms and conditions of the policy. QUESTIONS ABOUT THE USSSA INSURANCE PROGRAM? Email us at: Edgewood Partners INSURANCE Center | CA License 0B29370 5. TEAM/LEAGUE INSURANCE . WHY SHOULD MY TEAM/LEAGUE PURCHASE WHAT IS THE POLICY LIMIT ON THE ACCIDENT. ACCIDENT MEDICAL INSURANCE ? MEDICAL INSURANCE ? Many Americans are not covered by health INSURANCE . The The accident medical limit is $100,000 per occurrence. USSSA accident medical INSURANCE becomes primary in the event the injured party has no medical WE ARE A USSSA REGISTERED TEAM. DOES. INSURANCE . Medical costs are extremely high, and failure OUR REGISTRATION PROVIDE US WITH ANY. to purchase INSURANCE could be financially disastrous. If primary medical coverage is in place, our policy will still INSURANCE PROTECTION?

10 Respond to the amount unpaid by your primary carrier, No. USSSA registered teams can purchase team INSURANCE up to the usual and customary charge. Most primary that protects them during the play of any amateur activity policies have a substantial deductible and/or co- INSURANCE in the insured sport. payment. Therefore, if the USSSA coverage is used as secondary, the financial burden of a large-out-of-pocket IF I HAVE TWO TEAMS THAT FALL UNDER THE. expense can be greatly reduced or eliminated. SAME AGE GROUP, CAN I BUY ONE POLICY TO. COVER BOTH TEAMS? WHY SHOULD MY TEAM/LEAGUE PURCHASE. LIABILITY INSURANCE ? No. All teams have to be registered separately and will need to purchase separate policies to be covered. Players, coaches, managers, and even team sponsors, and volunteers are at risk of being sued from sports related WHAT IS THE MAXIMUM NUMBER OF PLAYERS. activities. There is no such thing as an accident in today's lawsuit-happy society. Our general liability policies COVERED BY TEAM INSURANCE ?