Personal Liability Insurance

Liability InsuranceThe American Baseball Coaches Association (ABCA) has renewed its $1 million Personal Liability Insurance benefit to all members in the United States beginning Sept. 1, 2018 through August 31, 2019. This coverage typically comes into play when a lawsuit is filed against the coach for bodily injury or property damage.

Members can activate this insurance simply by registering for membership! No further steps are required.

"We are happy to continue to offer this membership benefit, which we have received very strong feedback about," said ABCA Executive Director Craig Keilitz. "This is a way to protect our members, who are not covered by their employers in every case. Nobody thinks they are going to face a lawsuit, but Personal Liability Insurance provides financial assistance and peace of mind for our members."

This coverage is a personal liability policy that follows the member in his/her coaching and teaching capacity of baseball. It is provided through National Casualty Company, which is rated "A" (excellent) by A.M. Best. Because it is an Association-held policy, the limits cannot be changed.

Coaches should be reminded that this coverage does not come into effect until they renew their memberships or join the ABCA. Coverage will run through August 31 of the given membership year. Membership dues are just $55 for the upcoming year. A certificate of insurance will be mailed with the coach's membership card.

If purchased by an individual, similar Personal Liability Insurance coverage would most likely cost over $400 per year.

The ABCA's insurance policy covers current ABCA member coaches in good standing while acting in their capacity as a baseball coach.

The ABCA’s insurance policy does NOT extend coverage to the following entities: teams, leagues, camps, clinics, and respective officers, directors, and staff.

Owners/Lessors of Premises are Additional Insureds with respect to premises leased, loaned, or rented to current ABCA member coaches in good standing arising out of member coach’s operations as a baseball coach.

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The Basics...

Question: Who is eligible for this coverage?
Answer: All permanent residents of the United States who are 2018-19 ABCA members are eligible (membership year runs Sept. 1, 2018 through August 31, 2019).

Question: When does my insurance coverage begin?
Answer: Your coverage begins after Sept. 1, 2018 when you register for 2018-19 ABCA membership.

Question: I was an ABCA member in 2018-19 and have not gotten around to renewing yet. Will I be covered if an incident happens?
Answer: NO. Your 2018-19 coverage expired August 31, 2019.

Question: Do I need to complete any documentation to activate my coverage?
Answer: NO. As soon as your membership registration is processed, your coverage is active.

Question: I need clarification about what my Personal Liability Insurance covers. How can I get answers about this?
Answer: Email Sadler Sports Insurance

Question: Does the ABCA coach liability policy mean that it is not necessary to buy separate insurance for a team, league, camp, or clinic?
Answer: No, the ABCA policy does NOT extend coverage to the following entities: teams, leagues, camps, and clinics, and respective officers, directors, and staff. The ABCA policy only covers ABCA member coaches in good standing acting in their capacity as a baseball coach.

Question: Can I increase the coverage of this insurance policy?
Answer: NO. Because it is an Association-held policy, the limits cannot be changed.

Question: How do I request a certificate of insurance?
Answer: Log into the ABCA members only section of website and print a current certificate of insurance which generically shows all Owners/Lessors of Premises as certificate holders and as Additional Insureds.

Question: How do I file an insurance claim?
Answer: Download and Complete the K&K Incident Report form. Current ABCA members must be logged into the website to access this.
NOTE: The link above only works for current ABCA members who are logged in to the website.

Insurance Coverage Scenarios...

Question: Coach Thomas asks a player to slide into second base during a game and that player breaks his ankle. The parents file a lawsuit against Coach Thomas for damages to the player. Is Coach Thomas coach covered?
Answer: YES. Any player that is injured while playing and sues the insured and the insured is legally liable for the injury; the coverage would be under the Legal Liability to Participants. This is a $1,000,000 limit per occurrence.

Question: Coach Wilson is running an instructional baseball drill at an offsite facility (not his campus or organization's facility). His players break a light fixture at this facility. The facility sues for the cost of light fixture and repairs. Is Coach Wilson covered?
Answer: YES (up to $300,000).

Question: Coach Thomas leases or rents a pitching machine and that machine is damaged in a fire. Will Coach Thomas be covered for the cost of replacing the pitching machine?
Answer: NO. There is no coverage for physical damage for equipment rented.

Question: Coach Jackson is playing catch with a player. The player misjudges the ball and is hit in the face with the baseball. As a consequence, he needs to be taken to the hospital. Is the Coach Jackson covered if sued?
Answer: YES. If sued, Coach Jackson has a defense.
Q: Will Coach Jackson's insurance cover medical costs for the player? A: NO.
Q: Is the player's parents' travel to the hospital covered? A: NO.

Question: As a youth coach, Coach Wilson has to verify the ages of all minor players under the age of 18. The collection of data can consist of birth certificates and social security numbers. If Coach Wilson's files are hacked, compromised or stolen, is the coach covered for identify theft of his players or himself?
Answer: YES. He is covered with limitations, up to $25,000 to investigate the network security issues that were revealed as a result for the hack. He is covered up to $10,000 per person with an aggregate of $100,000 to reimburse Coach Wilson for any sums he becomes legally obligated to pay as damages arising from loss or theft.

Question: Coach Jackson invites players over to his home for an end-of-season barbecue. One of the players is injured while driving an all-terrain vehicle owned by Coach Jackson. Is Coach Jackson covered if sued by parents?
Answer: NO. This insurance does not apply for damages resulting from activities at the coach's home during a non-baseball coaching activity.

Disclaimer: The questions and answers above are for illustrative purposes only and are not a guarantee of coverage. Whether coverage exists or not is dependent on the unique circumstances of each incident and the exact allegations in the lawsuit filing.



Questions regarding the ABCA's Personal Liability Insurance policy should be directed via email to Sadler Sports Insurance.
Email Sadler Sports Insurance