JO Team Insurance Plan - FAQ
What Does The USA Softball Liability Policy Cover?
This policy protects you from lawsuits arising out of bodily injury or property damage to others as a result of your supervised USA Softball Team activities.
What Does The USA Softball Accident Policy Cover?
This policy provides coverage for medical expenses that you incur as a result of your USA Softball Team’s activities. The policy provides up to $250,000 in Accident Medical Expense protection, subject to a deductible and 90/10% coinsurance. Treatment and medical expenses are covered for 52 weeks from the date of injury. This is a supplemental policy purchased by the USA Softball for the benefit of its members to help minimize your out of pocket expenses if you are injured playing softball. The coverage is subject to the limits, conditions and exclusions of the policy and is not designed to cover “everything.”
Why Does My Team Need Both Liability and Accident Insurance?
Because you will then cover the two major exposures that threaten softball teams and leagues:
1. Lawsuits from injured spectators and players; and
2. Medical Expenses that result from injuries to players on your team.
What Proof of Coverage Will I Receive When I Buy Team Insurance?
You will receive a certificate of insurance for your team or league, which will be sent to you promptly after RPS Bollinger receives your completed enrollment form and check or you can order online and pay with a credit card.
When is My Insurance Effective?
Coverage goes into effect the day after the postmark on your enrollment form and valid check. If paying by credit card, coverage is in effect the day after your credit card is approved.
Who Can Purchase Team Insurance?
Only Teams and Leagues that are currently registered with USA Softball for the current year are eligible to buy the USA Softball Team Insurance Plan.
How Do I Register My Team/League With USA Softball?
Contact your local USA Softball Commissioner to register. You can obtain your local commissioner’s name and phone number from the USA Softball National Office (405-424-5266) or from RPS Bollinger (800-446-5311) or visit the USA's Softball website at www.USASoftball.com.
How Many Teams Are Needed to Qualify For The Reduced League Rates?
To qualify for the League Rates, ALL TEAMS in your league must purchase insurance (with a minimum of four teams).
Can Only One Individual Team in a League Buy Insurance?
Yes. However, individual teams must pay a higher rate than teams in a fully insured league. Individual Teams are not eligible for the League Rates and must use the "Single Team" Rate. In addition, if not all of the teams in a league purchase USA Softball insurance coverage, then the league is not an insured entity.
Does Liability Insurance Cover The Players and Coaches on Our Team?
Yes. If an individual team member or coach is sued because of bodily injury or property damage to others arising out of your team or league's activities, they will be covered under the Liability policy.
Will Liability Insurance Cover Team Members Preparing The Field Before a Game?
Yes. If a participant is injured while preparing the field, such as lining or raking, and the injury is caused by the negligence of the team or league, then coverage applies; but only if the field preparation is incidental, such as lining or raking , and only if it is done immediately before a game.
If our league hosts a tournament, are we covered?
If the teams are within your league and the league is 100% insured with USA Softball, then the tournament is covered, as are your interests as the tournament sponsor. However, if the teams are outside your league, you will need to purchase the USA Softball Tournament insurance for the event.
Are Fundraisers Covered by The Team Liability Insurance?
Yes. Fundraising activities, award dinners and team meetings are covered. Fundraisers must be usual, non-hazardous and incidental, such as bake sales and raffles. Activities such as carnivals, fireworks or bungee jumping would not be covered. There is no liability coverage for the serving or selling of alcoholic beverages.
Are Opposing Teams Covered Under Our Team Insurance?
No. Your Team is covered if the opposing team sues you or your team or league for injury to one of their players. The opposing team or their activities are not covered by your Team Insurance.
Will Liability Insurance Cover Concession Stands?
Yes. The policy covers liability arising out of the operation of concession stands if the concession stand is operated by the insured when your team is playing softball. Note: There is no coverage for the sale, distribution or consumption of alcoholic beverages or for Worker’s Compensation claims. (Please note National Concessionaires cannot be named as additional insured).
Can I Add an "Additional Insured" to My Liability Insurance Coverage?
Yes. If a field owner or municipality requires that you add them as an additional insured, you may do so at no additional charge.
Are All Star Teams Covered by The Team or League Insurance Plan?
No. All Star Teams are not covered under individual team policies. All Star Teams may be covered under league policies if the All Star players all come from the insured league and play a limited schedule. However, if the All Star Team registers separately with USA Softball, then that team must purchase a separate policy.
What if I'm in a Hurry and Need a Certificate Today?
For immediate service, you can purchase the USA Team insurance on-line, where you will be able to print your own certificate(s) upon acceptance of your credit card transaction. Or, RPS Bollinger can process your rush order for a charge of $25 per certificate.
Are Any Other Insurance Coverages Available to USA Leagues?
Yes. See our "Optional Insurance Plans for USA Leagues" brochure for Directors & Officers Liability, Crime Insurance and Equipment coverage for your league.