The American Baseball Coaches Association (ABCA) has renewed its $1 million Personal Liability Insurance benefit to all members in the United States beginning Sept. 1, 2019 through August 31, 2020. 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. Beginning in 2019-20, the coverage will be provided through Vantapro Specialty Insurance 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. 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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FREQUENTLY ASKED QUESTIONS
Question: Who is eligible for this coverage?
Answer: All permanent residents of the United States who are 2019-20 ABCA members (membership year runs Sept. 1, 2019 through August 31, 2020). Coverage ends when the coach's membership expires.
Question: When does my insurance coverage begin?
Answer: Your coverage begins when you register for 2019-20 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 after Sept. 1, 2019?
Answer: NO. Your 2018-19 coverage expired August 31, 2019. You need to renew your membership for 2019-20.
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 as individuals 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: Your certificate of insurance was mailed with your membership card. If you haven't receive it yet or lost it, email firstname.lastname@example.org.
Question: How do I file an insurance claim?
Answer: Email Sadler Sports Insurance
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: 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