baseball travel team insurance

• General Liability Insurance Coverage
• Accident Medical Insurance Coverage
• Directors & Officers Coverage
• Sports Equipment Coverage
• Crime & Bond Insurance Coverage
• Sports Umbrella/Excess Coverage
• Additional Insureds
• Baseball League & Coaching Resources
• Softball League & Coaching Resources
• Covid-19 Information
• Add an Insured Badge To Your Site
• Why Choose eSports?

Baseball Insurance Coverage

Youth & adult baseball leagues.

The team at eSportsInsurance is always responsive and helpful. I have been using them for many years for liability insurance for an adult baseball league and they never disappoint. Eric Proulx

Get a Quote For…

Insurance for baseball teams & leagues.

“Rhonda at eSportsInsurance is the best. She has provided service for Creekview HS for the last couple of years and Macedonia Baseball for as long as I can remember. I highly recommend eSportsInsurance if you need insurance for any type of sport.” Tim L.

Baseball evolved from older bat-and-ball games already being played in England by the mid-18th century. This game was brought by immigrants to North America, where the modern version developed. By the late 19th century, baseball was widely recognized as the national sport of the United States.

Baseball is an excellent sport for improving coordination, speed, and more. Practicing and competing in baseball also teaches valuable skills like teamwork and perseverance. Owning or operating a baseball league or team is about providing your players these benefits, among many others.

While coaching baseball can certainly be conducted safely, there are always risks to coaching and managing baseball, operating a baseball league, team, or field, or hosting a baseball game or season. Baseball requires much less player-to-player contact than sports like football or rugby, but baseball players are still vulnerable to their own sport-specific injuries.

Even if the baseball league has taken all realistic precautions, it can still be held liable for injuries and other issues related to its events and facilities.

Our insurance policies for baseball leagues, coaches, and teams allow you to focus on providing your services with peace of mind knowing that you are protected against potential risk.

“There are three types of baseball players: those who make it happen, those who watch it happen, and those who wonder what happens.” Tommy Lasorda

Baseball League Coverage Types

We offer both general liability and accident medical insurance for various baseball programs including:

Youth Baseball

Adult baseball.

“I have been working with Rhonda at eSportsInsurance for my Baseball Academy’s insurance for the last 6 years. Awesome customer service and prompt reply to any Additional Insured/Endorsement letters requested.” Adrian B.

What Does Baseball Team Insurance Cover?

General liability insurance for baseball teams.

Our general liability insurance policy provides coverage for claims and lawsuits that allege bodily injury or property damage. 

General liability covers up to a specific amount to spectators and other non-members of your organization who file a claim or lawsuit against your baseball organization. Fortunately for policyholders, investigation of the claim and adjustment of any potential payout are taken care of by the insurance company.

General liability also covers property damage that may be due to negligence on the part of the named insured. 

Accident Medical Insurance for Baseball Teams

Our excess accident medical policy helps pay for out-of-pocket medical costs for an injured baseball player or coach. Injuries do happen when participating in youth and adult league baseball, and an accident medical policy can keep injured players and coaches from facing a serious financial burden due to medical bills from an injury.

Baseball injuries, in particular, may occur as a result of incidents including, but not limited to, baseball impacts, bat impacts, tripping, sprains, and strains of the legs and arms, and player collision.

Some serious and specific baseball injuries to insure against include:

• Torn Labrum
• Rotator Cuff Injuries
• Dead Arm (Shoulder Instability)
• Ulnar Collateral Ligament (UCL) Injury Of The Elbow Requiring Tommy John Surgery
• Wrist Tendonitis Or Wrist Trauma Injuries
• Pitchers Elbow
• Knee Injuries Or Tears (ACL, LCL, MCL, PCL)

Covered individuals would encompass all registered members of your organization, including participants and volunteers, so long as the injury happened during a covered activity.

The policy pays medical bills for a member who is injured at your practice or game, or during activities you sponsor, if, either the member has no health insurance, or the medical bills exceed what the member’s insurance will pay. The limits for accident medical coverage also exceed those of general liability.

“Randy Marcus did a fabulous job! He helped me get coverage quickly for some baseball camps. It was an easy and smooth process.” Brittany Crain

How Much Does Baseball Insurance Cost?

Team insurance can be $477 or it can be as low as $90 per team, through AYSAA.

There is no difference in insurance coverage cost between travel and recreational baseball .

Here’s how the cost for your baseball league breaks down.

Small Youth Leagues (1-5 Baseball Teams)

AYSAA Annual Membership Fee (per team) = $25 +

$1 Million Team Insurance

• Age groups 12 & under = $65.00
• Age groups 13-15 = $90.00
• Age groups 16-18 – $115.00

$2 Million Team Insurance

• Age groups 12 & under = $89.00
• Age groups 13-15 = $125.00
• Age groups 16-18 – $179.00

Medium-Sized Youth Leagues (6+ Baseball Teams)

• $477 annual premium for up to 75 players
• +$2 per additional player over 75

Adult Baseball Leagues

• Please inquire about adult league pricing

“Our Baseball program has 1,100 players. We started with eSportsInsurance when we had around 12 teams. That was a big deal for us at the time since they are experts in the sports field and saved us lots of money compared to other quotes at the time. A friend of mine recently asked if he could give me a quote and I gave him a shot after warning him that he wouldn’t come close. He never gave me a quote and told me to stick with my current company. Thanks eSportsInsurance. Also, give Rhonda a raise… she’s the best!” Mark M.

Get a Quote

Why choose esportsinsurance, we are sports insurance specialists, our insurance covers the real risks, we offer great rates, we provide personal service, about esportsinsurance.

Sports Insurance Specialists

eSportsInsurance has provided specialized insurance coverage for amateur youth and adult sports organizations since 1999.

Our Location

3100 Five Forks Trickum Road | Suite 101 |  Lilburn, GA 30047

Travel baseball insurance.

This youth travel sport has evolved over the years, becoming an integral part of player development and an avenue for honing skills that extend beyond the diamond. 

Youth travel baseball has a history that mirrors the growth and passion for the sport. What started as a local pastime has transformed into a dynamic and competitive landscape, allowing talented young players to showcase their skills on a broader stage. From local tournaments to regional competitions, travel baseball has created a pathway for aspiring athletes to elevate their game and compete at higher levels.

Beyond the thrill of competition, travel baseball fosters personal growth, resilience, and camaraderie. Players gain exposure to diverse competition, learn to adapt to different playing styles, and develop teamwork. These experiences not only shape them as athletes but also instill valuable life skills that extend far beyond the confines of the field.

The Importance of Insurance in Travel Baseball: While the journey in travel baseball is filled with excitement, there are also risks associated with the game. In the pursuit of excellence, injuries can occur, and unforeseen incidents may arise. This is where the significance of insurance comes into play.

As a league leader or coach, ensuring the safety and well-being of your players is paramount.

eSportsInsurance comprehensive insurance coverage for travel baseball leagues provides a protective shield, allowing you to focus on nurturing talent and fostering growth. Our tailored policies encompass general liability and accident medical insurance, addressing the unique challenges that travel baseball presents. From bodily injury claims to property damage, we’ve got you covered, offering peace of mind so you can lead your team with confidence.

Together, let’s continue to shape the future of youth travel baseball, where talent is nurtured, growth is inevitable, and protection is assured.

Get a quote today and embark on a season of success, knowing that your team is covered by insurance crafted with your needs in mind.

Free Downloads – For Baseball Coaches & Leagues

We’ve put together Baseball resources to help you more easily coach and lead your league. Check them out at the link below.

A Deeper Historical Dive

“Baseball is 90% mental and the other half is physical.” Former MLB catcher, Manager, & Coach , Lawrence Peter “Yogi” Berra

Baseball is a popular adult sport and one of our top-insured youth sports. With a rich history, it’s been played in North America for over 150 years.

Its deep roots can be traced back to the early 19th century, when games played with a ball and stick were popular in England and North America. In the United States, variations of the game were played in different parts of the country, with different rules and traditions. Some traces of Baseball go back to the 14th century, when it is traced back through its direct antecedents of stoolball and “tut-ball”.

The modern game of baseball is often credited to Abner Doubleday, a Civil War hero who was said to have invented the game in Cooperstown, New York, in 1839. This was derived from a 1908 commission investigating Baseball’s origins. However, there is no historical evidence to support this claim, and most experts believe that baseball evolved from older bat-and-ball games played in England and North America.

By the mid-19th century, baseball became a popular pastime in the United States. The first recorded baseball game was played in 1846 in Hoboken, New Jersey, between the Knickerbocker Baseball Club and the New York Nine. In 1857, the National Association of Base Ball Players (NABBP) was formed, which established a standard set of rules for the game.

In the years that followed, baseball grew in popularity, and professional leagues were formed. The first professional baseball league, the National Association of Professional Base Ball Players, was founded in 1871. It was followed by the National League in 1876 and the American League in 1901. The two leagues merged in 1903 to form Major League Baseball (MLB), which remains the highest level of professional baseball in North America, and the form of the sport we know and love.

While many people today assume that baseball was always a male-dominated sport, the truth is that women played a significant role in its development. In fact, the first recorded women’s baseball game took place in 1866, just 20 years after the first men’s game. Women’s teams were also playing in the late 19th and early 20th centuries, including the All-American Girls Professional Baseball League (AAGPBL), which was active from 1943 to 1954. The AAGPBL was formed during World War II when many male baseball players were drafted into military service, and it helped to pave the way for future generations of female athletes.

In the mid-19th century, children formed their own teams as adults embraced the game. Engaged school, church, and community groups organized teams for working-class boys who used baseball to improve their fitness and learn teamwork. Youth baseball became more organized in the 1920s and 1930s, and Little League Baseball was established in 1939, quickly growing to become the largest youth baseball organization in the world. The Pony League was founded in 1969 to allow older children to continue playing beyond Little League.

Over the years, baseball has seen many changes, including the introduction of new rules, new equipment, and new strategies. It has also played a significant role in American culture, inspiring literature, film, music, and art. Today, baseball is played by millions of people around the world, from amateur players in local youth leagues to professional adult athletes in the MLB.

Learn more about Baseball’s history here.

“It’s hard to beat a person who never gives up.” Former MLB catcher, Manager, & Coach Babe Ruth

Customer Feedback

“We have been with Esports for 6-7 years now as our insurance carrier for our rec baseball league, and it is so easy. Rhonda and her group have always responded to emails and got our quotes to us in a timely fashion. They also have helped us when we had to add some insurance which we didn’t know we needed to carry. I recommend this group for any of your insurance needs!” – Joseph Rafferty

More Sports Insurance Options

Wrestling Insurance Coverage

Dance Insurance Coverage

Fitness Training (Individuals & Companies) Insurance Coverage

• Concessionaire, Exhibitor & Vendor
• Event Insurance
• Sports Camps & Clinics
• Sports Events & Tournaments
• Walk/Run Events
• Baseball & Softball Training Facilities
• Sports Instructors
• Sports Teams & Leagues
• Youth Baseball Insurance
• Fitness & Dance Instructors
• Fitness Studio Insurance
• Health Club Insurance
• Personal Trainer Insurance
• Dance Studio Insurance
• Escape Room Insurance
• Golf Simulator Insurance
• Martial Arts Insurance
• Vendors, Exhibitors & Concessionaires
• Find My Quote
• View My Policy/Certificate
• File a Claim
• Request Certificate
• Additional Insured
• View My Policy
• Privacy Policy
• Legal Notices
• Commitment to EEO
• What is American Specialty Express?
• Why use American Specialty Express?

Youth Baseball Insurance Get your free quote in minutes

Prices start at $105.

Why do I need baseball team insurance?

From the first practice to a national tournament bid, youth baseball insurance protects players, teams and leagues. American Specialty Express offers coverage for teams and leagues across the country from t-ball and coach-pitch to travel teams and national tournaments. Save time and enjoy the peace of mind by working with a company that has specialized in insuring youth baseball for more than 30 years. Our youth baseball program is custom-built to meet all the insurance needs of teams and leagues in one easy-to-use, affordable plan.

Providing evidence of insurance to field owners and tournament organizers can consume a team manager’s life and drain the budget without the right insurance program. With American Specialty Express’ online system, certificates showing evidence of insurance or additional insured status can be obtained at any time and at no extra cost. There’s no limit on the number of certificates so teams won’t need to worry about practicing at multiple fields or playing in several tournaments. The coverage and limits meet the requirements of nearly all ball field owners and tournament organizers nationwide.

The following information is offered as a snapshot of the coverages provided through the American Specialty Express youth baseball insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.

Click here for directors and officers liability insurance program .

How much does youth baseball team insurance cost?

Prices can vary based on your needs, but at American Speciality Express the price of youth baseball team insurance starts at $105.

What exactly does youth baseball insurance provide?

This program is available for youth baseball teams and leagues with players up to age 18. T-ball and coach pitch are also included. A league discount applies for leagues that insure all their teams through the program. The program includes general liability and accident medical insurance with benefits and limits that satisfy the requirements of large and small tournament hosts and field owners alike. A customized abuse and molestation coverage form is automatically included for entities that conduct the appropriate background checks. For travel leagues, coverage goes where they go. Volunteers are covered, and coverage applies year-round for the same team participants. All the fundamental elements of a youth baseball program are covered by this insurance program all the way from tryouts to the team banquet.

What are some examples of when youth baseball insurance might be used?

Scenario 1: An outfielder trips on an uneven patch of ground which causes him to fall into a fence and injure his arm. He is transported to the hospital by ambulance where they determine he has suffered a fracture. The family is relieved to hear the accident medical policy is available to cover out-of-pocket medical bills because their health insurance has a large deductible. The league does not hear anything further from the family but receives a notice from the school district who owns the field that the family has brought a lawsuit against the school district. The league signed a use agreement to use the field and also named the school district as an additional insured on the league’s liability insurance policy. The school district is asking the baseball league to pay the school district’s costs to defend themselves in this case. The league reports the claim immediately to American Specialty, and who works through the matter with the injured player’s family and the school district. Scenario 2: During a practice drill, a young player is hit by a batted ball and suffers a fractured cheekbone. The player has some permanent scarring and medical bills are significant. The family hires an attorney and brings a lawsuit against the coach, the team and the league. The lawsuit argues the coach did not have proper training and that the drill was run in a way that was inherently dangerous to the players. The league’s liability insurer assigns the case to a claims adjuster and appoints and pays for legal counsel to defend the coach, team and league. The claim is ultimately settled with the family for $100,000 in addition to legal bills. The insurer pays these costs, and the coach, team and league focus their efforts on making sure the kids in their baseball program are protected and have the best experience possible. These are just a few examples where youth baseball insurance will provide defense, protect valuable assets, and allow youth baseball programs to focus on serving our youth and providing opportunities to play ball.

How can I get more information?

Although this is an online program, we are available if you have questions. Call us, chat with us online or send us an email. Our youth baseball insurance program is provided by real people who want to help—that’s what special feels like with American Specialty Express. Don’t hesitate to contact us .

Why should I purchase coverage through American Specialty Express?

American Specialty Express delivers the ability to quote and buy affordable insurance for youth baseball immediately and come back to the account anytime. Insureds can secure all necessary documentation online and, once coverage is purchased, eligible additional insureds can be added for no additional cost. Need a copy of the policy? Go online anytime to print a copy of the insurance policy/certificate of insurance, add an additional insured, review coverage or report a claim. Hopefully everything goes smoothly throughout the year, but if an accident occurs where insurance is needed, we provide an easy, hassle-free process to report and manage the claim.

Fast, easy insurance for youth baseball is just a few clicks away.

Availability

We’re ready when you are. Quotes, policies and certificates are always available—even in the middle of the night.

Answer a few straightforward questions, and you’ll have your quotes within minutes. We go the extra mile to make sure our process is fast and easy.

Our team has been trusted by the biggest Sports, Leisure and Entertainment organizations for 30+ years. That same expertise is available to every client, no matter how small.

Toll Free (800) 622-7370

• Get a Quote
• Risk Management Library (Forms, Articles, Templates, Videos)
• Agents & Brokers
• Client Services

Baseball Insurance

Protect your baseball team, league, camp, or tournament with General Liability, Accident, Directors & Officers, Crime and Equipment insurance.

Baseball Insurance for Youth and Adult Teams and Leagues

If you are associated with the below programs, click associated link below to find out more information:

• Dixie Youth
• Dixie Boys/Majors
• Dixie Softball

Insurance policies needed by typical baseball leagues

• Excess Accident with a medical limit of at least $25,000, preferably higher. This policy is a type of no fault insurance that pays medical bills on behalf of injured participants regardless of who was at fault. The coverage is excess or secondary which means that family health insurance, if any, must first respond.
• General Liability with an each occurrence limit of $1 million. It best to consider a $2 million option since many field owners require the higher limit. This policy covers certain lawsuits that allege bodily injury to a player or spectator or property damage.
• Directors & Officers Liability with an each claim limit of at least $1 million. This policy covers many types of lawsuits that are not covered by General Liability, such as wrongful termination or suspension of league administrators or players, allegations of discrimination, and failure to follow your own rules.
• Crime Insurance with a limit of at least $25,000 to protect against employee and volunteer embezzlement or confiscation of equipment or theft of cash by outsiders.
• Equipment Insurance with a limit to cover the replacement cost value of your equipment against certain perils such as theft, vandalism, wind, and fire.

In addition, some larger leagues with additional exposures may need to consider Property Insurance on buildings, Auto Insurance, and Workers’ Compensation.

For a detailed description of each policy, see our report entitled 7 Critical Mistakes to Avoid When Buying Sports Insurance .

Programs Others Have Purchased

• Individual Baseball Instructors Insurance
• Event Cancellation Insurance
• Baseball Camps & Clinics Insurance
• Baseball Tournament Insurance
• Baseball Training Facility Insurance

What Our Clients Have to Say about Our Baseball Insurance Programs

• Thank you for providing a quality baseball insurance product at an affordable rate for our league- having insurance provided peace of mind for our players as well as our field owners. Also, it opened the opportunity for more fields for our men’s baseball league. When we were in a time crunch, your ability to provide our coverage and certification documents in a timely manner allowed us to get our season started on time. We really appreciate the responsive customer service! This is the 3rd year that we have purchased coverage, and we have been very pleased by the sales experience. When a player was injured earlier this fall, we were able to promptly provide paperwork to cover his medical costs. – Central Texas Baseball League TX
• I was referred to you by a friend who had used you on more than one occasion. I was extremely pleased with the ease in obtaining a baseball insurance quote and the efficiency when binding the coverage. – Taylors Baseball SC
• I have used Sadler Sports Insurance for the past (4) Seasons in our baseball program. The price was reasonable for the coverage we needed. Also the customer service people I contacted were eager to help and answered all my questions satisfactory. Would recommend Sadler Insurance to leagues and schools alike no matter the sport. – Seymour Baseball TN
• Sure, Sadler was easy to get a firm quote on and purchase baseball insurance. As our league grew Sadler was also able to adapt to our needs quickly and with fair pricing. – Algonquin Hawks Travel Baseball Assoc. IL
• I have been very pleased with the performance of Sadler Sports for the team’s insurance needs. I am in charge of handling all the insurance issues for the team and I have found your prices to be very fair and your staff very responsive and courteous. There were several times throughout the season where I had to have updates made because of tournament requests and I was able to do this quickly and easily via email. I do most of my communications with your staff by email and they have always been helpful and pleasant to deal with. Thanks to you all for making this job a lot easier. – Colts Select Inc NJ
• We’ve been using Sadler for as long as I can remember for baseball insurance. I like it because I’m volunteering for the position I have with our Association, and like to deal with things that are easy and turnkey. – Springville Youth Association AL

Baseball generates a significant number of minor to medium severity injuries arising from being struck by pitched balls, thrown balls, batted balls, contact with ground, contact with bases, collision with opponents, and non contact injuries while running. Most of these injuries are bruise/contusions, joint sprains, or fractures.

Youth baseball players are also subject to the injuries that occur when there is a lack of supervision at the lower age levels. Examples are injuries that arise from roughhousing or swinging bats when others are too close.

Proper throwing mechanics

It’s critical that pitchers learn how to properly position their throwing arm in the pitching motion. Injury can result if positioning is incorrect during different phases of the pitching motion.

Excessive pitching

Baseball suffers from an epidemic of overuse elbow and shoulder injuries due to pitchers throwing too many pitches over the time period of a game, a week, or an entire season. Adolescent arms are still developing and pitching puts strain on joints and tendons. To avoid injuries to wrists, elbows, rotator cuffs, ligaments, and tendons can result from excessive pitching but can be largely avoided if players and coaches follow a few simple guidelines:

• Most leagues follow rules regarding the number of pitches kids can throw in a game. (See table below).
• All players should take at least 3 months off per year from overhead arm movements.
• If pitchers feel persistent pain in their throwing arm, they should not be allowed to pitch again until the pain goes away.

American Sports Medicine Institute pitching guidelines for youth:

Parents of youth baseball pitchers on independent travel and all-star teams competing in independently-operated tournaments should take extreme caution if there are no rules on pitch limits and rest. Parents may have to track their child’s pitch counts to insure recommended limits aren’t exceeded.

Coach qualifications

Lack of supervision and lack of instruction are two of the leading causes of lawsuits arising out of youth baseball. Specific supervision is one-on-one interaction between a coach and a single player or a small group of players. Elements of proper supervision include the duty to stop roughhousing, being close enough to adequately observe and intervene if necessary, and proper ratio of adults to youth. Proper instruction requires coaches be knowledgeable in baseball specific techniques and game and safety rules, and that these all of these topics are covered with the athletes.

Your child’s baseball coach should be knowledgeable in proper throwing, batting, sliding and catching techniques. Headfirst sliding for young players should be prohibited and batters should be taught how to get out of the way or turn away from a pitch aimed directly at them. The coach should be trained in first-aid and have an emergency medical plan for treatment of injuries in place at all practices and games.

Coaches and umpires should enforce the league’s severe weather policy. Policies for practices and games in extreme heat and when lightning is observed should be established in advance of the season.

Youth coaches and umpires should be certified or trained through an organization such as National Youth Sports Coaches Association (NYSCA) , which provides an appropriate education on the emotional needs of youth, the role of winning vs. having a positive experience, and the basics of safety and risk management.

Sliding into the bases

Sliding is base running strategy, but learning proper techniques of different slide styles is the key to preventing injuries. The video below illustrates how to slide safely and effectively.

Equipment safety

Proper use and fit of equipment is just as big a factor in minimizing the risk of injury. More than half of all organized sports-related injuries occur during practices, so make sure your child wears all required safety gear every time he or she plays and practices. Players should wear the following:

• Protective eyewear. Players who wear glasses should obtain protective eyewear from an eye-care professional knowledgeable of sports-safety standards.
• Catcher’s gear. Catchers must always use a catcher’s mitt and wear a helmet, face mask, throat guard, chest protector, and shin guards.
• Molded cleats. Shoes with steel spikes are usually prohibited and leagues recommend molded cleats. Make sure the shoes fit properly, allowing for side-to-side movement. Avoid hand-me downs because they will probably fit poorly and worn down cleats.
• Mouth guard. A mouth guard protects the teeth, lips, cheeks, and tongue and can even reduce the risk of head and neck injuries as concussions and jaw fractures.
• Cups. Catchers and infielders should wear protective cups.

Field safety

• Prior to play, the playing field should be inspected for holes, glass and other debris.
• Break-away or slide-over safety bases have been proven to reduce sliding injuries resulting from contact with base by a significant percentage.
• Weather conditions should be assessed prior to play and a delay/cancellation plan in place in the event of severe weather or thunderstorms with lightning.

Lightning safety and the 30/30 rule

Outdoor athletic events should be halted or postponed if a thunderstorm is six miles or less away from the site. Use the 30/30 rule for estimating how far away a storm is. Measure the elapsed time from the flash to the bang. A count of five seconds equals a distance of one mile, so a count of thirty seconds equals a distance of six miles. You need to be indoors if, after seeing lightning, you can’t count to 30 before hearing a clap of thunder. Stay indoors for 30 minutes after hearing the last clap of thunder. In most cases, when you can hear thunder, you are no longer safe.

We have a lightning fact sheet that offers more information on lightning precautions, myths, and safety tips.

Auto safety

We recommended that sports organizations that transport high school aged and younger children should require parents to transport their children whenever feasible. We also advise that 15- and 12-passenger vans should never be used when renting or borrowing vehicles to transport athletes. These vehicles have a high rollover rate. School buses, 7-passenger minivans, or passenger cars, are the preferred vehicles for team travel.

Baseball risk management content

Sadler Sports Insurance offers free risk management content for baseball leagues, including articles on important injury topics, legal forms such as waiver/release agreements and medical consent, sources for criminal background checks, sex abuse and molestation risk management programs, general ballpark safety risk management programs, awareness training videos on sex abuse and molestation protection, and how to identify and respond to safety hazards at the ballpark.

In addition, excellent baseball specific safety and risk management articles and position statements have been published by the Medical and Safety Advisory Committee of USA Baseball .

• Accident Insurance
• General Liability Insurance
• Directors & Officers Liability Insurance
• Crime Insurance
• Equipment Insurance
• Cyber Risk Insurance
• Workers’ Compensation
• Business Auto Insurance
• Property Insurance
• Sports Interruption Insurance
• Risk Management
• American Youth Football
• American Football Association
• National Alliance for Youth Sports
• National Field Archery Association
• Sportsplex Developers Association
• Teams Not Affiliated With Organizations
• State High School Assoc.
• Nat. Sports/Rec Assoc. Quote
• Teams & Leagues
• Baton Twirling
• Bicycle Touring/Cycling
• Boxing (Amateur)
• Bubble Soccer
• Cheerleading
• Cross Country
• Disabled Sports
• Field Hockey
• Figure Skating
• Frisbee Golf
• Hiking/Backpacking
• Inline Skating
• Kiteboarding
• Kneeboarding
• Lawn Bowling
• Mountain Biking
• Open Water Swimming
• Paddleboarding
• Racquetball
• Roller Derby
• Roller Hockey
• Skiing-Winter
• Snowboarding
• Track & Field
• Ultimate Frisbee
• Wakeboarding
• Wakeskating
• Wakesurfing
• Water Skiing
• Windsurfing
• Sports Camps & Clinics
• Day Camps (Non-Sports)
• Sports Combine & Showcases
• Tournament Hosts
• International Travel-Medical, AD&D
• Martial Arts
• Indoor Cycling
• Sportsplex/Facility Owners & Operators
• USABSA Baseball / Softball Academies
• Gymnastics Schools
• Cheer Schools
• Martial Arts Studios
• Trampoline Park
• Video Arcade
• Water Amusement Park
• Referee & Umpire Association Insurance
• Dance Studios
• Batting Cage Program for Baseball/Softball
• Bowling Center
• Escape Room
• Golf Driving Range
• Indoor Rock Climbing
• Miniature Golf Course
• Paintball Fields & Facilities
• Racquetball Facility
• Roller Skating Rink
• Skateboard Park
• Fitness Instructors
• Health/Fitness Clubs & Studios
• Special Events (Non-Sports)
• Weather Insurance
• Small Fair & Festival Insurance
• Vendors Insurance
• Entertainers & Performers
• Mud Run and Obstacle Course Events
• Bands and Performing Groups
• Haunted House Insurance
• Music Lesson Insurance for Instructors
• Fishing Tournament Insurance
• Hunt/Shooting/Archery Clubs
• Carriage Ride
• Intramural & Club Sports Insurance
• Multi-Sport / Multi-Operation Organizations
• Referee & Umpire Associations
• Sports Equipment Distributors

SPORTS INSURANCE SPECIALISTS

• CONTACT & CLAIMS
• AGENT & BROKER RESOURCES
• REQUEST A QUOTE

Feb 10, 2022

3 Ways to Hit a Home Run with Travel Ball Accident Protection

If you’re involved in a travel baseball league as a coach, team manager, operations manager, or league owner, you know that travel ball is a different game. The players are more serious. They train hard to improve their skills to a higher level. They play significantly more games than other leagues or school teams. They compete against the top players and teams locally and out of state. And many are hoping to catch the attention of college coaches and pro scouts .

Keeping your players safe from risk is a never-ending responsibility and top concern during the season. Fortunately, A-G Administrators can help—with sports team travel insurance that decreases the financial risk of medical costs from injuries and offers insights into keeping players healthy and performing their best.

Travel Ball Clubs Up Their Safety Game in 3 Ways with A-G Administrators

Participant accident insurance from A-G Administrators protects players and your club from the medical costs of an injury in three important ways:

1. The coverage helps pay for out-of-pocket medical bills due to injury treatment.

• Over 110,000 youth players visit the emergency room each year for baseball-related injuries such as Little League elbow , Little League shoulder , ankle sprains, concussions, muscle strains, and general overuse injuries.
• Though injuries do happen at games and practices, they can also occur traveling to and from events.
• While an injured athlete’s primary health insurance is applied to their bills first, many uncovered expenses, such as deductibles and copayments, are left for the player and their family to pay. Participant accident insurance steps in to cover these costs and free the family from the worry of treatment expenses during recovery.
• If a family doesn’t have primary health insurance, this travel baseball team insurance may be the only coverage they have to help pay the bills.

• These reports not only help keep players healthier, they show current and future players and their families that your travel ball club is fully dedicated to your players’ health and welfare.
• Given that travel ball is more expensive than rec leagues and that so much rides on performance, parents expect this level of knowledge to be put into practice.

3. This coverage can provide your club or league with a layer of protection.

• Families who feel that your club is doing its part to reduce the risk of player injury will feel confident putting their trust in you.
• Offering the coverage helps ensure that families have the financial benefits to cover medical treatment costs. It can also reduce or eliminate the risk of families pursuing litigation against the club because they feel that they have been left alone without any support when a player is injured.

3000 Youth Sports Organizations Already Take Advantage of A-G’s 3-Way Coverage to Reduce Their Club’s Risk

Are you ready to find out how A-G’s youth travel baseball insurance can help your team? We’d love to tell you more.

In addition to youth sports organizations like yours, we provide 675 colleges and universities and over 3,000 K-12 schools with participant and sports accident insurance. We offer a variety of plans to fit your situation and goals, including voluntary plans for parents to purchase or plans for you to purchase for the players. Whichever plans you choose, you’ll relax knowing that A-G is behind you and your team all season long with winning risk protection.

Contact us or have your insurance agent reach out so that one of our insurance specialists can tell you more. We look forward to connecting soon.

MORE RECENT NEWS…

May 01, 2024

A-G Administrators is now A-G Specialty Insurance

Apr 26, 2024

Young Athletes & Cardiac Arrest: How Can Schools Prevent It?

We usually think of heart attacks or sudden cardiac arrest (SCA)—when the heart abruptly loses its normal rhythm and stops beating—as something that happens to older people. After all, heart…

Mar 27, 2024

How ATs Can Ditch the Paperwork & Get More Time With Student-Athletes

More News & Press can be found in our Archive.

A-G ADMINISTRATORS

• Corporate Overview
• Our History
• News & Press Archive
• Career Opportunities

STAY IN TOUCH

Insurance programs.

• K-12 / Scholastic
• College / University
• Clubs / Leagues / Travel Teams
• National Governing Bodies
• Events / Clinics / Camps / Tournaments
• Risk Management
• Mandatory Accident Plans
• Compulsory Plans
• Voluntary Plans
• Interscholastic Sports
• Catastrophic Injury Plans
• Secondary (Excess Injury) Insurance
• Catastrophic Injury Insurance
• Participant Injury Insurance
• Athletic Dept. Travel Insurance
• Third Party Administrative Services
• Other Products

CUSTOMER SERVICE

• Contact A-G
• Submit a Claim
• Check Claim Status
• Request a Quote
• EGBAR Login
• Document Library
• Agent & Broker Resources

Valley Forge, PA USA

Ph: (610) 933-0800

Fx: (610) 933-4122

Office Hours: M-F 8:30am-6pm EST

ACHIEVE GREATNESS!™

A-G has the experience to offer the best custom coverage for every program and the best customer service to ensure a worry-free process for every claim. The nation’s most competitive K-12, collegiate and youth programs Achieve Greatness with A-G!

© 2024 A-G Administrators LLC. All rights reserved. | Privacy Policy

Explore the World with Us

Discover the World

Travel Baseball Team Insurance>Insurance for Teams and Leagues

Travel Baseball Team Insurance provides liability and injury coverage for teams during travel and play. It is essential for financial protection against accidents and lawsuits.

Securing a travel baseball team’s insurance is critical in safeguarding the financial stability and well-being of players, coaches, and the organization. Whether a team is journeying to a local tournament or participating in a series of out-of-state games, the risks associated with sports can lead to unexpected expenses stemming from medical bills, liability claims, and more.

An adequate insurance policy tailored for travel baseball teams offers peace of mind, allowing players to focus on the game while protecting the team’s budget and reputation. It’s a strategic move that underscores the importance of risk management in youth sports and promotes a proactive stance on player safety and organizational responsibility.

Table of Contents

Navigating The Essentials Of Travel Baseball Team Insurance

Travel baseball brings excitement and competition but also risks. Understanding the  importance of insurance  for your team secures peace of mind and protection. Let’s unravel the mystery of travel baseball team insurance and ensure your team steps onto the field covered for every slide and swing.

Why Insurance Is A Must For Teams

Injuries happen , and medical expenses can soar. Without the proper insurance, teams risk financial hardship. Moreover, potential liability issues make insurance essential.  Protecting athletes and assets  should be a top priority in any sports endeavor. Insurance mitigates costs from unforeseen events that could jeopardize the team’s future.

Travel Baseball Team Insurance Florida>

Travel baseball team insurance covers teams participating in tournaments, leagues, and other organized events.

This type of insurance typically includes liability coverage, which protects against claims of bodily injury or property damage from team activities. Additionally, it may cover medical expenses for players injured during games or practices and equipment coverage in case of loss or damage.

Travel Baseball Team Insurance offers peace of mind to coaches, players, and organizers, ensuring they can focus on the game without worrying about potential financial risks. View the home page link

Types Of Coverage Available

Diverse policies exist to cover the unique needs of Travel Baseball Team Insurance. Know your options>

• General Liability Insurance>  This safeguards against injury claims and property damage.
• Accident Insurance>  Covers medical bills if a player gets hurt.
• Equipment Insurance>  Protection for gear and uniforms.
• Travel Insurance>  Cover losses during travel, like trip cancellations.

Teams can opt for a  single policy or a combination  to meet their needs. Careful selection ensures comprehensive coverage.

Evaluating Risks And Exposures In Travel Baseball

Travel baseball teams hit the road with dreams of victory and unforgettable experiences. Yet, accidents happen. Players might get hurt. Gear can get lost. Without insurance, these misfortunes can lead to high costs. Knowing what risks exist is the first step in defending against them.

Common Injuries And Incidents

Injuries are part of the game.  Sliding into bases, pitching, or flying balls can lead to mishaps. Here are common injuries that players may face:

• Sprains and Strains>  Overuse of muscles can cause pain.
• Fractures>  A lousy fall or hit by a ball can break bones.
• Concussions>  Head injuries need immediate care.

Besides injuries, teams might deal with>

• Theft>  Personal items or equipment can be stolen.
• Travel Accidents>  Buses and cars can get into crashes.

Financial Impacts Of Uninsured Mishaps

The costs add up quickly.  An uninsured injury or incident can drain your budget. Teams facing such situations might experience the following>

   Issue Financial Impact 

  Medical bills for healthcare for injuries can cost thousands.  

  Lost Equipment Replacing gear can empty pockets.  

  Legal Fees Lawsuits over injuries or damages can be expensive.  

  Without insurance, a single mishap could jeopardize a team’s season or a player’s future in the sport.  Proper coverage protects dreams and wallets alike.

Comparing Providers> Shopping For The Best Policy

Travel baseball teams often journey far and wide, risking the unexpected.  Injury ,  property damage , and  liability claims  can strike at any time.  Finding the right insurance policy  becomes a priority. This guide analyzes how to compare providers and find the best policy for a travel baseball team.

Assessing Different Insurance Companies

Start by  listing potential insurers . Look for those specializing in sports team coverage. Examine ratings and reviews left by customers on reliable websites. Consider the company’s  financial stability , which indicates its ability to pay claims.

More rows as needed

   Company Rating Specialization Customer Feedback 

    Insurance Pro A+ Sports Teams Highly Recommended  

  Safe Sports: A Sports Team Positive Reviews  

   Contact each  for a quote. Prepare  team information  and  coverage needs  in advance.

Reading The Fine Print> What To Look For In A Policy

Understanding policy details is crucial. Evaluate the  coverage limits  and ensure they meet your team’s needs. Check for  deductibles  and  premium costs .

• Medical expenses  for injured players
• Liability coverage  for claims against the team
• Equipment and property protection
• Travel coverage  for tournaments away from home

Scrutinize the  exclusions  section to know what’s not covered. Ask about  claim filing procedures  and  customer support availability .

Before signing, have a  legal professional review  the policy. This ensures complete understanding and agreement.

Understanding Policy Costs And Payment Options

Knowing the cost and how you can pay is crucial. Regarding travel baseball team insurance, insurance policies safeguard your team against unexpected events, from injuries to liability issues. Let’s explore the factors affecting insurance costs and the different payment options available for your team.

Travel Baseball Team Insurance cost>

Travel Baseball Team Insurance costs can vary depending on factors such as the level of coverage, the number of players, and the duration of the season.

On average, insurance for a travel baseball team can range from a few hundred to a few thousand dollars per year. This insurance typically covers liability for accidents or injuries during practices, games, or team events.

It may also include equipment coverage, property damage, and medical expenses. Travel baseball teams must invest in comprehensive insurance to protect players and organizations from potential financial risks.

Determining Factors In Policy Pricing

In understanding policy costs, several key factors come into play>

• Team Size>  Larger teams often result in higher premiums.
• Level of Play>  Competitive teams may face higher rates due to increased risks.
• Travel Frequency>  Teams that travel more often might pay more for insurance.
• Insurance Coverage>  Broader coverage generally equals higher policy costs.
• Claims History>  Teams with previous claims may see increased rates.

Each factor impacts the final pricing of your team’s insurance policy, so consider them carefully when planning your budget.

Flexible Payment Plans For Teams

Payment flexibility can make team insurance more accessible. Here’s what teams can expect:

   Payment Plan Details 

     Full Payment Upfront Lump-sum payment, often with a discount.  

   Monthly Payments Spread cost over the season, which is convenient for budgeting.  

   Installment Plans Several large payments are more manageable on cash flow than the total upfront.  

  Team administrators should consider their budget and cash flow for the best payment option.

Claims And Support> Post-incident Procedures

No one ever expects accidents to happen within their travel baseball team. But knowing how to handle claims and receive support becomes crucial when they do. The right insurance can provide peace of mind and necessary assistance. Post-incident procedures help teams return to play with confidence.

Navigating the Claims Process

Navigating The Claims Process And Travel Baseball Team Insurance

Time is essential  after an incident occurs. Understanding the steps for filing a claim simplifies the process. Follow this quick guide for a smooth experience:

• Inform your insurance company of the occurrence right away.
• Collect any necessary  information and documentation .
• Fill out the  claims form  accurately.
• Stay in contact with your  insurance representative .

Insurance providers might request additional details during the process.  Keep all communication records and promptly respond  to any inquiries.

Support Services for Teams and Players

Support Services For Teams And Players

After filing a claim, teams and players can access support services. These services aim to aid recovery and mitigate loss. Here’s a glimpse at the available support:

• Medical assistance  for injured players, including guidance on coverage for treatments.
• Equipment replacement  if the gear is damaged or lost.
• Counseling services  may be available to address trauma.

Reach out to your provider  as soon as you need help. Support extends beyond financial coverage and includes helping teams cope and rebuild.

Preventive Measures> Beyond Purchasing Insurance

Ensuring players are protected in travel baseball goes beyond just insurance policies. A comprehensive approach to safety is vital. It assists in preventing mishaps from occurring initially. Let’s discuss the effective measures teams can undertake. Implementing safety protocols and conducting training programs are essential.

Safety Protocols To Mitigate Risks

Adopting robust safety protocols  is crucial for minimizing risks in travel baseball. Leadership should ensure that:

• Equipment is regularly inspected  and maintained
• Emergency plans are in place and  accessible to all team members
• First-aid kits  are available at every event

By putting these into practice, the likelihood of accidents can decrease significantly.

Training And Awareness Programs

Equally important are  training and awareness . These programs can teach:

• The correct way to  use equipment
• Proper  warm-up and cool-down techniques
• Signs of injury  and immediate steps to take

Knowledge empowers players and coaches to prevent incidents and respond effectively if they occur.

Frequently Asked Questions On Travel Baseball Team Insurance

Is insurance required for usssa baseball.

Yes, USSSA Baseball requires teams to have insurance. Coverage must include general liability and accident medical insurance.

How Much Does It Cost To Insure A Baseball?

The cost to insure a baseball varies based on its value, but it can typically range from a few dollars to several hundred annually.

How Does Travel Baseball Team Insurance Work?

Baseball insurance protects teams, leagues, and players from financial losses due to injuries, property damage, and liability claims. Policies cover medical costs, legal fees, and equipment or facility damage.

Do Sports Teams Insure Their Players?

Sports teams commonly insure their players against injuries and accidents to protect the athlete and the organization’s financial interests. This insurance can cover medical costs and contract obligations.

Securing the right insurance for your travel baseball team is essential. Navigate the options and safeguard your players and finances. Trust in proper coverage to ensure peace of mind, on and off the field. Embrace the game’s spirit with confidence, backed by a robust insurance policy.

Choose wisely and play fearlessly.

I am a travel specialized writer and blogger based in the USA and UK, CANADA. I have four years of experience in travel and all types of tours. So I work on solving these issues and give various tips on these issues. I handling carefully of these issues.

Leave a Comment Cancel reply

Save my name, email, and website in this browser for the next time I comment.

• Life Insurance
• Health Insurance
• Home Insurance
• Business Insurance
• Travel Insurance
• Pet Insurance
• Medicare Insurance
• Auto Insurance
• RV Insurance
• Business insurance: +1-866-929-3479
• Auto insurance: +1-855-210-4442
• Health insurance: +1-855-982-1671
• Home insurance: +1-855-503-6466
• Life insurance: +1-855-631-2065
• Medicare: +1-855-971-0843

Baseball Team Insurance: Baseball Insurance Quotes From $11

Home › Business Insurance › Baseball Team Insurance: Baseball Insurance Quotes From $11

Finding the right baseball insurance quotes for events, teams, and participants isn’t a walk in the park. It requires time and money. Our discussion will act as your guide. Know the policies included in baseball team insurance, how much baseball team insurance costs, and other related topics.

Also read: 

• USA Softball Insurance for Teams & Tournaments
• Sports Team Insurance for Youth & Adult Clubs
• Soccer Insurance for Clubs, Teams, Leagues & Players
• US Lacrosse Insurance: Quotes From $11
• Sports Facility Insurance: Cost & Quotes From $11

Why Baseball Insurance is Important

Think of all the participants and workers in your baseball team plus those who interact with it. They include:

Administrative staff

Team physicians

Community volunteers such as student workers

As a baseball team organizer, the welfare of all these people rests entirely on your shoulders. You want them to have good times without worrying about anything. 

But unless you’re a superman, preventing every issue at every time is humanly impossible. Anything can go wrong. For instance:

Coaches, players, and umpires could get injured during games or batting practices

Flying bats or balls could injure someone in the stands

Volunteers might have ulterior motives. They could steal equipment or victimize other people and players in the organization.

A car crash may occur during travel, harming occupants and causing damages

Such issues might lead to serious financial or personal harm. That’s where the right baseball team insurance steps in to mitigate these risks.

• Hockey Insurance for Clubs, Teams, Coaches & Tournaments
• Basketball Insurance: Basketball Team Insurance Quotes From $11

Baseball Team Insurance

Baseball team insurance is a specialized policy that provides coverage to team members, managers, and other individuals part of the baseball team. The policy functions to shoulder costs resulting from lawsuits, injuries, and damage to equipment owned or rented. Examples of baseball team insurance policy are:

General Liability Insurance

Inadequate supervision can cause issues. Players usually contend with a lack of spatial awareness and roughhousing, leading to injuries. Also, a foul baseball can hit a spectator.

In such cases, angry guardians, parents, and people can file lawsuits against the team managers and players. Take general liability, a type of baseball liability insurance that comes with public liability coverage , to cover third-party claims for:

Bodily harm

Property damage

Slander, defamation, and copyright infringement

Accident Insurance

Just like in any other contact sports such as boxing , injuries haunt youth baseball team players. Players collide with each other, get struck by balls, and fall even if they aren’t playing rough. But accident insurance will ensure they focus more on succeeding and less on injuries. 

This baseball insurance policy covers the team members during your sanctioned activities. So if a player falls and injures themselves, the policy will take care of the treatment bills.

Baseball Equipment Insurance

Your baseball team needs equipment to succeed. If the equipment gets damaged, stolen, lost, or vandalized, you might incur extra costs.  Let baseball equipment insurance help you recover what was spent. 

Workers Compensation Insurance

Workers’ compensation coverage covers your staff. If a staff member gets hurt while performing their duties, the coverage will take care of the medical bills and other expenses. 

Commercial Auto Insurance

Commercial auto insurance can cover vehicles transporting your players to games. Coverages included in commercial auto insurance are collision, liability, medical payments, and comprehensive.

Directors and Officers Liability Insurance

People with ill motives might falsely accuse your team leaders. Let this policy help them protect themselves.

Travel Sports Baseball Insurance

Baseball teams, whether professional or amateur, travel a lot. Many perils are associated with traveling. These don’t only delay the baseball team but also incur additional costs. The fastest solution, and the most effective one perhaps, is baseball team travel insurance. Let’s discuss the policies included:

Trip Cancellation or Curtailment Coverage 

In the event the baseball team’s trip is canceled or curtailed,  trip cancellation or curtailment coverage will provide money equal to the non-refundable costs. For example, the policy will give an amount equal to the money spent for vehicle rental or vehicle gas expenses. This coverage’s minimum limit is $10,000. 

Personal Accident Coverage

If ever a baseball team member becomes injured while traveling, personal accident coverage will answer the cost of first aid treatment. Personal accident coverage has a minimum limit of $100,000. 

Emergency Medical Expenses Coverage

Emergency medical expenses coverage functions to cover further costs if the injury needs specialized treatment. Costs covered are medicinal expenses, medical procedure expenses, and so on. The minimum policy limit of emergency medical expenses coverage is $100,000. 

Missed Departure and Journey Disruption Coverage

Missing flights and vehicle breakdown incur additional costs. This is why missed departure and journey disruption coverage is included in baseball team travel insurance. This coverage will take care of lodging expenses plus the cost of renting an emergency vehicle for the baseball team to resume the trip. The minimum policy limit of missed departure and journey disruption coverage is $100,000. 

Youth Baseball Team Insurance

If baseball is dangerous for adults, how much more for kids? Carriers offer baseball insurance for youth baseball teams, team managers, and independent trainers. Policies included in team youth baseball insurance are shown in the table below:

Youth Travel Baseball Team Insurance

Youth travel baseball insurance covers perils the youth baseball team might face while on the way to another state or city to do training or join a competition. Let’s discuss the specific policies included:

Trip Cancellation Policy

A trip cancellation policy in youth travel baseball team insurance covers non-refundable payment you’ve made to arrange the trip for the youth baseball team. The job of the trip cancellation policy is to return 100% of the money spent on the canceled trip. 

Trip Delay Policy

The youth baseball team’s trip might get delayed. Trip delays incur extra expenses. Carriers understand how problematic extra expenses can be and offer trip delay policy on their travel baseball insurance for youth teams.

A trip delay policy provides an allowance for 5 days amounting to $1,000 in total. In other words, the policy gives $200 a day so that you can pay the extra expenses incurred by trip delays. 

Emergency Accident and Medical Sickness Expense

Sickness or accidents can happen while traveling and will incur extra expenses for the youth baseball team. The youth baseball team can also get protection against this through emergency accident and medical sickness expense coverage. 

Emergency accident and medical sickness expenses give up to $100,000 to the policyholder in case the youth baseball team members got sick or got injured while traveling. Covered incidents are vehicular accidents, severe motion sickness, and more. 

Note that this travel baseball team insurance policy does not pay for costs if ever someone needs to be taken to the hospital. Medical costs as well as the cost needed to transfer someone to the hospital are covered by emergency medical evacuation coverage.  

Emergency Medical Evacuation Coverage

Emergency medical evacuation coverage provides $1 million. This policy functions to cover costs if ever someone needs to be taken to the nearest medical facility for treatment while traveling. Covered incidents are vehicular crashes and food poisoning. Other covered incidents are named by the insurance company. 

Baseball Camp Insurance

Every summer sees youths heading to baseball camps to hone their skills. They desire to learn the basics of fielding, hitting, pitching, catching, and other techniques. 

Each baseball camper may have to bring their own bat, cleats, glove, sneakers, hat, water bottle, and other things. Camps usually involve competitive games.

Baseball camps need to have insurance to operate. The best coverage is through tailored baseball camp insurance which offers general liability, commercial property insurance, accident coverage, and commercial auto insurance. 

Batting Cage Insurance

Baseball camps and baseball venues should opt to get batting cage insurance. On average, a batting cage from a reputable brand is $1,455 – $5,600. Batting cage insurance shoulders the cost of replacing or repairing a damaged batting cage. The policy also covers injuries to third parties using the batting cage. Policies included in batting cage insurance are equipment breakdown coverage, general liability, and excess liability.

Those renting batting cages to baseball teams, venues, and camps can get covered through batting cage business insurance, which includes general liability insurance with products and completed operations, inland marine insurance or cargo insurance, and commercial property insurance with equipment breakdown coverage and business interruption coverage.

Baseball Tournament Insurance

Baseball tournaments involve elevated competition levels, increased activities, and many attendants. So from a risk management perspective, these events come with an increased risk of injury and associated lawsuits.

The events consist of teams competing simultaneously, which means an increased number of players, trainers, admins, and spectators. Such huge events also attract sports equipment vendors, food carts , photographers, and volunteers. Unrelated activities also swarm the fields – face painting , bounce houses , and other entertainments

Many risks are associated with a baseball tournament. When they manifest, tournament organizers can be financially liable for the losses of concerned parties. This is why it’s important to get baseball tournament insurance, which includes the policies listed below:

General liability – $1 million policy limit. Pays the compensation for third-party personal injuries and property damage. Coverage applies to the tournament facility owned or rented plus any owned food stands and other amenities. 

Medical expense coverage – $1 million policy limit. Pays for expenses incurred if an accident happens and affected individuals need to be taken to the nearest medical facility. 

Damage to rented premises coverage – $1 million policy limit. If the tournament venue is rented and got damaged, this policy will help to pay costs if ever the facility owner files a claim to get reimbursement

Directors and officers liability coverage – $1 million policy limit. If such an accident that injured third parties was the result of mismanagement, D&O can help to pay for defense costs plus compensation. 

Equipment and contents coverage – $1 million policy limit. In case equipment used for the tournament got damaged, equipment and contents coverage provides money equal to the total value of items to be replaced. 

How can risks be further mitigated? Tournament organizers can engage in these risk transfer strategies:

Agreement between the tournament host and participating teams: This agreement includes an indemnification provision favoring the host and requires the teams to have stipulated insurance covers

The teams should provide a certificate of coverage evidencing general liability and other related coverages

Waiver forms (signed by the parent or player) releasing the host from liability

Youth Baseball Tournament Insurance 

Youth baseball tournament insurance is specialized coverage for small-scale baseball tournaments where individuals, ages 5 – 18 years old, are the main participants. The table below shows the policies included.

Baseball League Insurance

Baseball league insurance can be categorized as major league insurance and minor league baseball insurance. It is a policy for professional baseball events. The terms of this policy conform to the insurance requirements required by sports organizations and participating teams. Refer to the table below to see the policies included:

Insurance for Little League Baseball Team Events

Little league baseball events can be covered by baseball league insurance. However, there’s also a tailored coverage that might be better –  little league baseball insurance. Policies in youth baseball league insurance are:

Accident coverage – $100,000 policy limit

Liability insurance – General liability, cyber liability, and d&o liability each having $1 million policy limit

Crime insurance – $500,000 policy limit and covers disappearance and destruction of the participants’ personal effects. Note that this doesn’t cover arson. 

Baseball Player Insurance and Baseball Umpire Insurance

Baseball teams have coverage for players. Also, umpires are covered by the league or tournament host’s insurance policy. But still, players and umpires can get protection for themselves. 

Baseball player insurance and baseball umpire insurance are tailored insurance programs offered by sports organizations such as USSSA and NASO. Policies included in both are public liability, professional liability, and personal accident coverages. 

Do Baseball Organizations Offer Team Baseball Insurance?

Baseball organizations offer insurance for member players, managers, and teams. Examples are USSSA and MLB.

Major League Baseball Organization – MLB

The Major League Baseball organization offers coverage, which many call major league baseball insurance or MLB insurance for short. MLB insurance on players and other team members is composed of:

MLB lawsuit insurance/MLB suing insurance otherwise called vanguard insurance program comprising of general liability coverage and legal liability coverage

MLB life insurance/MLB insurance for life benefits

MLB pension insurance program

MLB health insurance

Coverage is offered the moment a member makes a claim. This is because MLB sues insurance companies, it partnered with, that refuse to grant the coverage of its members. A good example is the AIG MLB lawsuit. 

The United States Specialty Sports Association –  USSSA

The United States Specialty Sports Association offers coverage for baseball teams and players. Baseball insurance USSSA is only available for teams registered as members. Furthermore, USSSA baseball insurance can only be purchased online. 

So what are the policies included in USSSA team insurance for baseball? USSSA baseball team insurance provides liability and medical coverages for youth teams. On the other hand, adult teams only enjoy liability coverage. 

Amateur Athletic Union –  AAU 

The Amateur Athletic Union offers coverage that many call AAU baseball insurance. It offers a $6 million general liability policy and sports accident coverage to baseball teams taking part in AAU & non-AAU sponsored baseball events. 

Help others make better decisions

Baseball Insurance Cost

The average baseball team insurance cost is $45 a month or $540 a year for a $1 million general liability insurance

Travel baseball team insurance cost is $67 a month or $804 a year for a $100,000 accident coverage

Youth team travel baseball insurance cost is $69 a month or $828 a year for a $100,000 accident coverage

Youth baseball insurance costs is $43 a month or $516 a year on average for a $1 million general liability insurance

Batting cage business insurance cost is $35 a month or $420 a year for a $1 million general liability insurance with products and completed operations coverage

For further reference, here’s a table showing the pricing of the best baseball team insurance companies:

USSSA Baseball Insurance Cost

USSSA team insurance cost for baseball is determined by the age of member teams insured:

USSSA baseball team insurance cost 2021 – present is $13.33 a month or $160 a year for teams comprising of players 12 years old or younger

USSSA baseball insurance cost 2021 – present is $16.66 a month or $200 a year for teams comprising of players 12 – 15 years old

USSSA baseball team insurance cost is $20.83 a month or $249 a year for teams consisting of players 16 – 18 years old

Adult teams pay $50 a month or $600 a year for their USSSA insurance coverage

Best Baseball League, Tournament, and Team Insurance Companies 

Here’s a quick review that shows the perks and drawbacks of the recommended insurance companies for baseball teams, leagues, and tournaments. Read to know their pros, cons, and monthly pricing for a $1 million general liability coverage. 

CoverWallet Baseball Insurance

Gives the policyholder a certificate of insurance for free

Online policy management

Doesn’t offer baseball team travel insurance coverage

CoverWallet covers baseball teams with its sports team insurance underwritten by partners. Coverage applies to liability for third party bodily injuries and property damage.  Baseball team property or equipment is covered also.  CoverWallet allows the policyholder to get a free certificate of insurance, add stand-alone coverages to the existing insurance, and manage insurance online. 

Best for: Baseball team insurance quotes comparison online

Average cost: $30 per month 

Our rating: 10/10

Thimble Baseball Insurance

Short-term insurance for baseball tournaments and leagues

Offers certificate of insurance

Rates are lower than other short-term insurance carriers

Only offers basic insurance policies

Thimble’s baseball insurance is tailored for baseball tournaments and baseball leagues for youth and adult teams. Policies included are general liability and liquor liability. Note that Thimble’s coverage can be availed as a short-term policy lasting for hours, days, or weeks. 

Bes for: Short-term baseball tournament and league insurance

Average cost: $32 per month 

Chappel Baseball Insurance and NW Nations Baseball Insurance

Insurance is underwritten and managed by two companies

Fairly comprehensive general liability and accident coverage

Some customers reported that many documents are required before their claim was processed

NW Nations and Chappell insurance baseball partnership allow baseball teams to enjoy coverage that offers $2 million general liability and accident coverage. NW Nations and Chappell baseball insurance is available to youth baseball teams and adult baseball teams. 

Best for: Youth baseball team and adult baseball team insurance with $2 million liability and accident coverage

Average cost: $45 per month 

Our rating: 9/10

American Specialty Baseball Team Insurance

Offers coverage for baseball teams, tournaments, and leagues

Need to contact customer support for a certificate of insurance

American specialty’s perfect game baseball insurance provides coverage for baseball teams and baseball tournaments and leagues. It offers general liability and accident medical coverage. Moreover, if the policyholder wants more coverage, the company also allows the adding of coverage for abuse and molestation and non-owned/hired auto coverage. 

Best for: Baseball team insurance with optional coverages

Average cost: $50 per month 

Our rating: 8/10

Travel Ball Team Insurance

Very transparent rates

Accident insurance is not comprehensive

Travel ball offers $2 million general liability insurance and $100,000 accident insurance coverage in its baseball team insurance. The company states that it doesn’t implement sanction fees and hidden fees. 

Best for: Baseball team insurance with transparent rates

Average cost: $52 per month 

K&K Baseball Team Insurance

Offers comprehensive coverage for American Legion Baseball events

Optional policies have sub-limits

Only provides coverage for American Legion Baseball 

K&K offers tailored american legion insurance for baseball teams taking part in American Legion Baseball events. The policy provides general liability and participant accident limits having optional policies with sub-limits. K&K’s american legion insurance can also be used to cover tryouts, supervised practices, baseball games, tournaments, meetings, and award banquets. 

Best for: American Legion Baseball insurance

Average cost: $56 per month 

Mestmaker Pony Baseball Insurance

Offers baseball team insurance with optional D&O coverage

Two modes of payment – credit/debit online and paper check

Only insures baseball teams registered with Pony

Mestmaker offers specialized insurance coverage for Pony members. Policies included are general liability and accident coverage. But note that the company also allows the customer to get an optional D&O coverage. 

Best for: Baseball team insurance for Pony members

Average cost: $58 per month 

Our rating: 7/10

Roberto Clemente Jr Insurance for Baseball Teams

Offers immediate coverage to baseball teams and events

Policies are underwritten by Allstate

Roberto Clemente insurance agency covers baseball teams in partnership with Allstate insurance. Coverages offered by this agency are general liability, equipment breakdown, and other commercial insurance policies underwritten by Allstate, which can be used to cover baseball teams. 

Best for: Immediate coverage for baseball teams and events

Average cost: $62 per month 

Compare Quotes and Select Baseball Team Insurance with the Best Coverage

Use our quotes generator and find the best travel baseball team insurance, baseball league insurance, and more. Click the “Get Quotes” button to compare quotes. Get the coverage that best fits your needs and budget. 

Recent Reviews

Brandyn Longyhore Insuranker

Policy Type: Business Insurance

Company name: Hiscox Insurance

For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.

Anonymous Insuranker

Decent experience with Hiscox business insurance

Company name: Thimble Small Business Insurance

Best insurance ever

Coolest concept, I wish this was applied to other insurance products too.

Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.

Company name: Progressive Insurance

Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength

Company name: State Farm Insurance

Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!

Company name: Mapfre Insurance

Not recommended, worst company I've dealt with. Denying claims regularly.

Company name: Next Insurance

Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!

Paul Burns Insuranker

Company name: Berkshire Hathaway GUARD Insurance Companies

It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.

S W Insuranker

Company name: Embroker Insurance

Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More

Felicia Broadus Insuranker

They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!

Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!

Kasey Arey Insuranker

This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks

John Murphy Insuranker

Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More

Harshadray Patel Insuranker

Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More

Aaron Wensel Insuranker

Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More

Michael Swink Insuranker

My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More

Donna Werge Insuranker

Company name: Simply Business Insurance

I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!

Sandeep Walia Insuranker

Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.

Company name: Liberty Mutual Insurance

Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…

Highest level of plan and customer service

Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!

Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!

STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!

Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.

Company name: AAA Insurance

My experience with AAA's business insurance was fairly good. Customer service is excellent, coverage is broad, claims process was efficient. I do recommend them.

State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More

Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More

Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More

highly recommended!

Company name: Chubb Insurance

Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.

Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.

Recent Posts

Additional business insurance posts.

• Partner with us
• Insurankers terms
• Privacy Policy

Not all those who wander are lost.

Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.

• Agent Directory
• Company Directory

Find an Independent Agent

• Get Matched with an Agent
• Agent Directory by State

Find an Insurance Company

• Get Matched with a Company
• Company Directory by State

What type of insurance do you need?

• Business Insurance
• Home, Auto & Personal Insurance
• Life & Annuities

By Coverage Type

• Commercial Auto Insurance
• Professional Liability Insurance
• Small Business Insurance
• Business Umbrella Insurance
• Workers' Compensation Insurance
• Commercial Property Insurance
• Business Owners Policy
• Builders Risk Insurance
• Cyber Liability Insurance
• Surety Business Bonds
• Inland Marine Insurance
• Employers Liability Insurance
• Employment Practices Liability Insurance
• Environmental Liability Insurance
• Errors and Omissions Insurance
• Insurance Coverage & Advice by State  
• See more ...

By Business Type

• Retail Store
• Agriculture & Forestry
• Construction
• Manufacturing
• Wholesale Trade
• Retail Trade
• Transportation & Warehousing
• Information Industry
• Finance & Insurance
• Real Estate
• Scientific & Technical Services

Auto & Vehicle Insurance

• Car Insurance
• Motorcycle Insurance
• Boat Insurance
• RV / Motorhome Insurance
• ATV Insurance
• Snowmobile Insurance
• Personal Watercraft Insurance
• Collectible Auto Insurance
• Umbrella Insurance

Home & Property Insurance

• Homeowners Insurance
• Condo Insurance
• Farm Insurance
• Landlord Insurance
• Renters Insurance
• Mobile Home Insurance
• Contents Insurance
• Vacant Land Insurance
• Flood Insurance

Other Insurance

• Life Insurance
• Long Term Care Insurance
• Disability Insurance
• Health Insurance
• Special Event Insurance
• Short-term / Sharing Insurance

Insurance Solutions & Resources

• Compare Car Insurance
• Compare Home Insurance

Sports Team Insurance for Youth Leagues

Play Without Fear: Sports Team Insurance for Your Youth Sports League

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Finding the right coverage has never been easier.

Team sports involve teamwork, fitness, competition, fun, excitement, winning and losing. On any given day, you see multitudes of teams practicing and playing many different sports throughout your community.

Coaches, players and fans are having a great time, but sometimes things go wrong. A player experiences a concussion when tackled, or a foul ball hits a spectator or car.

In order to fully enjoy your team and your sport, you need to insure yourself and your participants from liability and injuries. Sports team insurance is specifically designed to protect youth and sports teams from all the risks they face.

Where can you find the sports team insurance you need? An independent insurance agent can help you compare professional, amateur or youth sports insurance policies and customize an insurance program to fit your situation. Contact a local agent now for sports team insurance quotes.

Youth Sports Statistics

• 60 million kids and teens (aged 6 to 18) play organized youth sports each year
• About 60% of kids (aged 5 to 14) play a sport outside of school
• About 70% of boys participate in a sport
• About 56% of girls participate in a sport

What Does Sports Team Insurance Cover?

Sports team insurance protects millions of kids and adults who play organized sports annually. The insurance includes a combination of risk protections that insure teams, leagues, associations, and clubs against youth and adult sports risks. 

You can purchase a complete package or custom design a policy that meets the needs of your particular organization and sport. Liability insurance is a vital part of this policy. Liability insurance covers your organization, participants, volunteers, and employees if a claim arises from protected activity.

• Covered activities include organized and supervised practices, games, tryouts, tournaments, playoffs, and other events.
• Sports event insurance can insure events that you host.
• You can include additional events, such as fundraising projects, picnics, award banquets, and more.

Types of Sports Team Insurance for Youth Sports Leagues

It's recommended that youth teams get equipped with at least accident insurance , general liability insurance , directors and officers liability insurance, crime insurance, workers' compensation, property insurance, and equipment insurance. Accident insurance can cover medical expenses related to injuries during a game. In contrast, general liability insurance covers lawsuit expenses if the youth sports organization gets sued over claims of a player suffering personal property damage or bodily injury due to the team or league's negligence. For lawsuits not covered by general liability insurance, directors and officers liability insurance may be required. Crime insurance can help protect the team or league against financial losses resulting from embezzlement. Property insurance and equipment insurance can help protect the organization's property, like office buildings and sporting equipment, from theft, vandalism, and other disasters like fire.

Participant Liability and Accident Coverage

Participant liability coverage is one of the necessary liability coverages for youth sports teams. It protects your organization or team, as well as your directors and supervisors, from lawsuits that can result if a player or participant is severely injured.

Some insurance providers limit this coverage, so make sure your sports team liability fully covers your risks. In addition to participant injury, a liability policy shields you from lawsuits or claims related to property damage, libel, slander, false arrest and more.

The other major coverage you need to consider is participant accident insurance. This covers a player or coach injured in the course of a supervised sports team activity.

It includes sponsored games, practices, clinics, travel and more. As an excess medical policy, this insurance typically pays what is left over after the participant's health insurance has paid its portion.

Directors & Officers Liability Insurance Coverage

A team or league's directors, officers, employees, and volunteers need protection against lawsuits, too, including those relating to discrimination charges, financial mismanagement claims, charges alleging failure to follow laws when making administrative decisions, or accusations of violating others' state, federal, or constitutional rights. Since general liability insurance only covers third-party lawsuits related to claims of bodily injury or property damage, directors and officers insurance coverage is required to protect sports teams, leagues, and youth sports organizations against the above-mentioned claims. However, having general liability insurance is also critical for your team, league, or organization, as directors & officers liability insurance excludes lawsuits related to bodily injury or personal property damage. Both types of liability coverage are needed to work together for youth sports organizations, teams, or leagues to provide a complete picture of liability protection. 

Equipment Related Liability Insurance Coverage

Sports leagues use equipment in their games, including helmets, padding, balls, goal stands, and more. Any piece of equipment can cause injury to a player or third party, whether used correctly or not. But while the equipment manager must ensure that the team or league's equipment is as current, functional, and safe as possible, incidents can still happen. Some general liability policies exclude coverage for punitive damages. You should discuss this with your independent insurance agent to be sure there are no gaps in coverage. Having coverage for these incidents is critical to the continued success and operation of the team or league. 

Workers' Compensation Insurance Coverage 

You must check in with your local ordinances to determine if your organization is required by law to carry workers' compensation insurance . League employees can sustain injuries while working due to carrying and dropping equipment, getting struck by a foul ball, tripping over a player's shoe or bag, or any number of causes. A workers' comp policy can help your league avoid penalties such as state fines and liabilities if an employee gets injured. Youth sports organizations must carry workers' comp if they regularly employ three or more workers, at least in most states.

Commercial Auto Insurance Coverage

It's also necessary to ensure a youth sports organization's drivers who may be driving vehicles owned by the league or organization. A league-owned vehicle is titled in the league or organization's name, while a personal (or "non-owned") vehicle is titled in the individual's name but may be used by a staff member to perform duties for the league or team. Commercial auto insurance is required for league-owned vehicles, non-owned vehicles, and for-hire vehicles. In contrast, personal auto insurance is necessary for your own vehicle, but wouldn't be sufficient coverage for your sports league's vehicles used for business purposes. 

Theft and Vandalism Insurance Coverage

Youth sports organizations may sometimes fall victim to theft, stealing their property or equipment by a third party or employee, or vandalism, which is the deliberate destruction or damage of property. Two forms of coverage can help protect teams or leagues against these crimes, including crime insurance. Crime insurance covers losses from employee dishonesty, forgery, computer fraud, and theft of cash and securities. Equipment insurance covers losses as a result of fire, vandalism, theft, and wind. 

Save on Sports Team Insurance

Our independent agents shop around to find you the best coverage.

Other Types of Sports League Insurance Options

There are a number of additional insurance coverage options you can discuss with your insurance agent. For example:

• Equipment damage: You can purchase sports equipment insurance if your team has high-value equipment that is stored in certain facilities.
• Excess liability: You may want to consider an "umbrella" liability policy, which provides excess liability coverage, in increments of $1 million, to protect your organization against large accident claims and lawsuits.

Specific Youth Sports League Insurance: Baseball Team Insurance

About 14% of youths (ages 6 to 12) and 8% of those aged 13 to 17 play baseball. Since it's one of the three most popular youth sports, sports insurance companies have put together specific coverage to serve youth baseball teams. Youth baseball insurance combines a liability policy with accident coverage for participants. Team insurance covers traveling baseball teams, as well as local teams.

Here are some important considerations:

• Many youth teams travel and require travel baseball team insurance that extends accident coverage to travel-related activities.
• You must ensure that this coverage is customized to the type of travel your team participates in, such as busses, vans, or carpools.
• You must get coverage for out-of-state travel if your team crosses state lines.

For any specific or difficult-to-find insurance coverage you need, be sure to work with an independent insurance agent. These agents are an excellent resource when it comes to finding the specific insurance and customized coverage you need most for your youth sports organization.

High-Risk Youth Sports Insurance: Youth Football Insurance

Youth football is one of the most popular and dangerous of the youth sports. So it is critical that youth football teams, organizations and leagues have adequate liability and participant accident coverage.

Youth football experts recommend that teams carry at least $100,000 of accident insurance for tackle football due to the risk of concussions.

You also want to carry at least a limit of $1,000,000 for your liability coverage and make sure that it provides for future problems with an injury.

For example, an "occurrence" policy protects a player who receives a concussion or other injury that causes problems years later. The injured athlete is covered as long as the original injury occurred while the policy was in force.

Get Sports Insurance for Your Youth Sports Team & Youth League

Independent insurance agents  can help you get the best sports team and youth league insurance coverage, accessibility, and competitive pricing while working for you. No matter what sport your team plays, whether it's football, baseball, basketball, soccer, or another team sport, you can find the sports team insurance you need to cover liabilities and injuries. Independent insurance agents will break down all the insurance jargon into language that's easy to understand and ensure that you get connected to the best blend of coverage and cost.

https://www.hss.edu/pediatrics-intensive-participation-single-sport-good-bad-kids.asp#:~:text=About%2060%20million%20children%20and,round%2C%20often%20on%20multiple%20teams.

https://www.betterhealth.vic.gov.au/health/healthyliving/sport-and-children

https://www.nays.org/resources/more/youth-sports-insurance/

https://www.sadlersports.com/teamsandleagues/

https://www.teamsnap.com/blog/general-sports/baseball-by-the-numbers

• Search for:

Specific Industry Coverages

• Products Liability
• Sports Insurance
• Small Businesses
• Contractors & Builders
• Technology Professionals
• The Sadler Difference

Sadler Sports & Recreation

• Get A Quote
• Sports Insurance Resources & Tips

Get Quote By:

• Type of Organization
• Custom Sports Associations
• Type of Sport
• Health & Wellness Niche
• Events & Entertainment Niche
• All Other Policies

Baseball Insurance for Teams & Leagues

General Liability, Accident, Directors & Officers, Crime and Equipment insurance for youth and adults baseball and softball teams and leagues.

Select from the appropriate program below for more information and a quote:.

• Dixie Youth
• Dixie Boys/Majors
• Dixie Softball
• NYSCA Trained Leagues
• Sportsplex Operators & Developers Association
• Adult Baseball Teams/Leagues
• Youth Baseball Teams/Leagues

Recommended policies for typical baseball leagues

• General Liability covers certain lawsuits that allege bodily injury to a player or spectator or property damage. The policy should have an each-occurrence limit of $1 million. But because many field owners require a higher limit, consideration should be given to a $2 million limit.
• Excess Accident pays medical bills on behalf of injured participants, regardless of who was at fault. The coverage is excess or secondary, which means that family health insurance, if any, must respond first. We recommend a minimum medical limit of at $25,000, but encourage a higher limit.
• Directors & Officers Liability covers many lawsuits not covered by General Liability, such as wrongful termination/suspension of league administrators, volunteers or players; allegations of discrimination; and failure to follow your own rules. We recommend an each-claim limit of at least $1 million.
• Equipment Insurance  protects against loss due to theft, severe weather, fire and vandalism with a limit to cover the replacement cost value of your equipment.
• Crime Insurance  with a minimum limit of $25,000 to protect against employee and volunteer embezzlement or theft of cash by outsiders.

Larger leagues with additional exposures may need to consider Property Insurance on buildings, Auto Insurance, and Workers’ Compensation. Click here for a detailed description of these policies.

Baseball Risk Management to Reduce Injuries

Players, coaches and umpires risk injuries as a result of being struck by pitched, thrown, and batted balls, flying bats, falling, making contact with bases, colliding with other players, and pulling muscles and ligaments. Most of these injuries are minor or medium severity bruise/contusions, joint sprains, or fractures.

Baseball is considered a low-risk brain injury sport by the insurance industry. However, some state laws require mandatory concussion risk management programs for youth leagues.

However, baseball participants can suffer  catastrophic injuries  resulting in death and permanent disability. These are rare and typically the result of spinal cord injuries caused from sliding into base headfirst or Commotio cordis resulting from a line drive striking the head or chest.

Injuries also frequently occur when there is a lack of supervision of players among the younger players. Roughhousing, swinging bats when too close to others, and playing on bleachers and fences often result in injuries.

Particularly relevant to baseball is the fact that wayward balls are the cause of more claims for damages and injuries than anything else. Baseballs often slam into spectators, players, dugouts, windows, cars, or anything else in their path. Wild pitches, overthrown balls, and balls hit out of the park are only some of ways balls can cause injuries.

Pitching Injuries

Many baseball pitchers suffer from overuse of the elbow and shoulder over the course of a game, a week, or an entire season. Pitching is stressful on the joints, ligaments and tendons of still developing young arms. It’s critical that pitchers learn proper pitching techniques, specifically  proper positioning  of the arm in the pitching motion.

Major League Baseball and USA Baseball recently developed the  Pitch Smart  compliance program to help identify the youth baseball organizations that have adopted its principles and guidelines.  Pitch Smart offers players, parents and coaches guidelines on avoiding overuse injuries, which include:

• Following the recommended rules regarding the number of pitches kids can throw in a game. (See table below).
• Having players of all ages take at least three months off per year from overhead arm movements.
• Not permitting any pitchers experiencing persistent pain in his/her throwing arm to pitch until the pain completely subsides.

Some independent travel and all-star teams playing in independently-operated tournaments do not have pitch limits or rest rules for pitchers. In this case, parents should track their child’s pitch counts to stay within the recommended limits below.

American Sports Medicine Institute youth baseball pitching guidelines:

Sliding into the bases

Sliding is a standard base-running strategy, but learning the proper techniques of different slide styles is the key to the prevention of injuries. Younger players should not be sliding into bases headfirst.

Eye Injuries

Almost all of sports-related eye injuries are preventable. Protective eyewear such as fielders’ goggles and batters’ face guards should be considered standard safety equipment for players.

Prescription glasses and sunglasses don’t offer protection, and actually increase the risk of eye injury. Standard eyeglasses and contacts can easily shatter upon impact and puncture the eye and surrounding tissue.  Athletes who wear glasses or contacts should inquire about getting their prescriptions matched in protective eyewear.

Equipment safety

Proper use and fit of equipment is just as big a factor in minimizing the risk of injury. More than half of all organized sports-related injuries occur during practices, so make sure your child wears all required safety gear every time he or she plays and practices. Players should wear the following:

• Protective eyewear.  Players who wear glasses should obtain protective eyewear from an eye-care professional knowledgeable of sports-safety standards.
• Catcher’s gear.  Catchers should always use a catcher’s mitt and wear a helmet, face mask, throat guard, chest protector, and shin guards.
• Molded cleats.  Shoes with steel spikes are usually prohibited and leagues recommend molded cleats. Make sure the shoes fit properly, allowing for side-to-side movement. Avoid hand-me downs (they will probably fit poorly) and worn down cleats.
• Mouth guard.  A mouth guard protects the teeth, lips, cheeks, and tongue and can even reduce the risk of head and neck injuries such as concussions and jaw fractures.
• Catchers should wear protective cups .

Field safety

• Prior to play, the playing field should be inspected for holes, glass and other debris.
• Breakaway or slide-over safety bases have been proven to reduce sliding injuries resulting from contact with base by a significant percentage.
• Weather conditions should be assessed prior to play and a delay/cancellation plan in place in the event of severe weather or thunderstorms with lightning.

Lightning safety and the 30/30 rule

Outdoor athletic events should be halted or postponed if a thunderstorm is six miles or less away from the site. Use the 30/30 rule for estimating the distance of a storm. Measure the elapsed time from the flash to the bang. A count of five seconds equals a distance of one mile, so a count of thirty seconds equals a distance of six miles. Once you’ve seen lightning, you need to evacuate to a safe location (inside a fully-enclosed building or vehicle). If you can’t count to 30 before hearing a clap of thunder. Stay indoors for 30 minutes after hearing the last clap of thunder. In most cases, when you can hear thunder, you are no longer safe.

Please read our lightning fact sheet that offers more information on lightning precautions, myths, and safety tips .

Auto safety

We recommended that sports organizations that transport high school aged and younger children should require parents to transport their children whenever feasible. We also advise that 15- and 12-passenger vans should never be used when renting or borrowing vehicles to transport athletes. These vehicles have a high rollover rate. School buses, 7-passenger minivans, or passenger cars, are the preferred vehicles for team travel.

Coaching safety

Baseball coaches should be knowledgeable in proper throwing, batting, sliding and catching techniques. Headfirst sliding for younger players should be prohibited and batters should be taught how to get out of the way or turn away from a pitch aimed directly at them. The coach should be trained in first-aid and have an emergency medical plan for treatment of injuries in place at all practices and games.

Coaches and umpires should enforce the league’s severe weather policy. Policies for practices and games in extreme heat and when lightning is observed should be established in advance of the season.

Youth coaches and umpires should be certified or trained through an organization such as National Youth Sports Coaches Association (NYSCA), which provides an appropriate education on the emotional needs of youth, the role of winning vs. having a positive experience, and the basics of safety and risk management.

We offer much more free baseball risk management content , including articles on important injury topics, legal forms such as waiver/release agreements and medical consent, sources for criminal background checks, sex abuse and molestation risk management programs, general ballpark safety risk management programs, awareness training videos on sex abuse and molestation protection, and how to identify and respond to safety hazards at the ballpark.

SADLER INSURANCE

3014 Devine St. PO Box 5866 Columbia, SC 29250

1-800-622-7370 Toll Free 1-803-254-6311 Local 1-803-256-4017 Fax

Popular Pages

• Sports & Recreation Insurance
• Product Liability Insurance
• Small Business Insurance
• Contractors, Home Builders & Remodelers

Company and Industry News

• Navigating the Insurance Risks of Today’s Recreational Pursuits
• The Power of Social Media in Exposing Fraudulent Insurance Claims
• Multifactor Authentication (MFA) Is A Common Requirement To Qualify For Cyber Risk Insurance
• Are Work-from-Home Employees Covered by Workers Comp?
• The Cost of the CVS Premises Liability Verdict
• Did I Just Hire An Employee or An Independent Contractor?

Team Insurance

Policy details: team insurance for the 2023 fall and 2024 spring/summer season.  your team coverage will begin and become effective on the date you purchase your policy until the expiration date of the policy., general liability coverage: , great american insurance group (rated  a- by am best) .

Occurrence Limit:   $1,000,000

Damage to Rented Premises Limit: $100,000

Med Expense Limit: $ 5,000

Personal & Adv Injury Limit: $1,000,000

General Agg Limit: $ 3,000,000

Products/Comp Oper: $ 3,000,000

Abuse & Molestation Occurrence Limit: $100,000

Abuse & Molestation Agg Limit: $300,000

Medical Coverage:

Accident Limit: $ 100,000

Dental Limit: $ 1,500

AD&D Limit: $ 2,500

Deductible: $ 250

The policy will be emailed to you within 48 hours.  Insurance policy is non-refundable.

Once you have purchased your team policy, you can request additional insured certificates by emailing  [email protected] . you will need to provide to them your team age, additional insured name, and the address. please allow up to 48 hours for your request to be processed. , team pricing :, all fees below include administrative fees., 7u - 12u teams - $150.00, 13u - 15u teams - $180.00, click here to buy insurance  , for assistance email [email protected].

Team Insurance

If you have an existing team insurance policy, please have your insurance carrier add the following as additional insured and upload it to your team login, national championship sports llc, 2011 e. lamar blvd., suite 120, arlington, tx 76006.

Policy Details:

Policy Coverage from 01 /01/2024 - 01/01/2025

Carrier: FORTEGRA SPECIALTY INSURANCE CO.

Occurrence Limit:   $2,000,000

Damage to Rented Premises Limit: $300,000

Med Expense Limit: $ 5,000

Personal & Adv Injury Limit: $2,000,000

General Agg Limit: $ 5,000,000

Products/Comp Oper: $ 2,000,000

Abuse & Molestation Occurrence Limit: $1,000,000

Abuse & Molestation Agg Limit: $2,000,000

Medical Coverage:

Carrier: axis insurance co..

Accident Limit: $ 100,000

Deductible: $ 250

Team Pricing:

All fees below include administrative fees., 5u - 12u teams - $160.00, 13u - 15u teams - $200.00, 16u – 18u teams - $250.00, the insurance policy is non-refundable..

Buy Insurance

***Teams can now generate AI certificates in their team account if they have purchased insurance through the NCS website.

Generate AI Certificate

ONLY PLAYERS, MANAGERS & COACHES ON THE TEAM ACCOUNT OR ROSTER AT THE TIME OF AN INJURY WOULD BE ELIGIBLE TO FILE A MEDICAL CLAIM.  Only NCS registered coaches are allowed in the dugout or on the field.

The Claim Form is only to be used if your team purchased team insurance through NCS

• Team Insurance
• Certificates

One of the biggest benefits of being a member of AYSAA is the ability to get insurance for your team from a reputable source and at an economical price. Our partner for insurance has more than a decade of experience in youth sports insurance. Their reputation and experience has resulted in them being called upon for advice to the youth sports community. This includes parks and recreation departments, youth associations, youth leagues, camps, tournaments, etc. Their knowledge and experience allows them to select only the highest quality insurance carriers that understand the sports marketplace. Additionally, only experienced agents handle the insurance needs of teams through AYSAA.

AYSAA Membership Fee:

Additional charges for insurance:, general liability coverage.

Insurer - An A+ Rated Liability Insurance Company

Accident Medical Coverage

Insurance Policy Term: One year from effective date.

Insurance Agent: Terry L Green & Associates dba eSportsInsurance.

If you need higher limits, please email [email protected]

Your browser or security settings have Javascript disabled. You will NOT be able to purchase insurance online. Either download the Paper Application Form or enable Javascript to purchase online.

Insurance for Other Sports

If you need insurance for another sport, our insurance partner will be able to handle that directly. Click on their logo below to be directed to their web site.

© 2024 - By AYSAA - All Rights Reserved - Phone 678 205-8055 - Privacy Statement

404 Not found

• Today's news
• Reviews and deals
• Climate change
• 2024 election
• Fall allergies
• Health news
• Mental health
• Sexual health
• Family health
• So mini ways
• Unapologetically
• Buying guides

Entertainment

• How to Watch
• My watchlist
• Stock market
• Biden economy
• Personal finance
• Stocks: most active
• Stocks: gainers
• Stocks: losers
• Trending tickers
• World indices
• US Treasury bonds
• Top mutual funds
• Highest open interest
• Highest implied volatility
• Currency converter
• Basic materials
• Communication services
• Consumer cyclical
• Consumer defensive
• Financial services
• Industrials
• Real estate
• Mutual funds
• Credit cards
• Balance transfer cards
• Cash back cards
• Rewards cards
• Travel cards
• Online checking
• High-yield savings
• Money market
• Home equity loan
• Personal loans
• Student loans
• Options pit
• Fantasy football
• Pro Pick 'Em
• College Pick 'Em
• Fantasy baseball
• Fantasy hockey
• Fantasy basketball
• Download the app
• Daily fantasy
• Scores and schedules
• GameChannel
• World Baseball Classic
• Premier League
• CONCACAF League
• Champions League
• Motorsports
• Horse racing
• Newsletters

New on Yahoo

• Privacy Dashboard

15 men brought to military enlistment office after mass brawl in Moscow Oblast

Local security forces brought 15 men to a military enlistment office after a mass brawl at a warehouse of the Russian Wildberries company in Elektrostal, Moscow Oblast on Feb. 8, Russian Telegram channel Shot reported .

29 people were also taken to police stations. Among the arrested were citizens of Kyrgyzstan.

A mass brawl involving over 100 employees and security personnel broke out at the Wildberries warehouse in Elektrostal on Dec. 8.

Read also: Moscow recruits ‘construction brigades’ from Russian students, Ukraine says

We’re bringing the voice of Ukraine to the world. Support us with a one-time donation, or become a Patron !

Read the original article on The New Voice of Ukraine

Recommended Stories

Former nba guard darius morris dies at 33.

Former NBA guard Darius Morris has died at the age of 33. He played for five teams during his four NBA seasons. Morris played college basketball at Michigan.

Caitlin Clark catches fire from 3 in WNBA preseason; Arike Ogunbowale's late heroics send Wings past Fever

Caitlin Clark’s WNBA preseason debut went much like her senior year at Iowa. She hit a bunch of 3s and did so in front of a sold-out crowd.

No one was airing Angel Reese and Kamilla Cardoso's WNBA preseason debuts, so an X user livestreamed it

The quality was choppy, but it was better than what the WNBA had.

NFL Power Rankings, draft edition: Did Patriots fix their offensive issues?

Which teams did the best in the NFL Draft?

Kentucky Derby: Mystik Dan wins in three-horse photo finish, outruns favorite Fierceness in stunning upset

The 150th Kentucky Derby produced yet another magnificent two-minute spectacle.

2024 NFL Draft grades: Denver Broncos earn one of our lowest grades mostly due to one pick

Yahoo Sports' Charles McDonald breaks down the Broncos' 2024 draft.

Formula 1: Miami Grand Prix sends cease and desist letter to prevent Donald Trump fundraiser during race

Race organizers say they'll revoke a Trump fundraiser's suite license if he holds an event for the former president on Sunday at the race.

New details emerge in alleged gambling ring behind Shohei Ohtani-Ippei Mizuhara scandal

It turns out the money was going from Ohtani's bank account to an illegal bookie to ... casinos.

NFL Draft grades for all 32 teams | Zero Blitz

Jason Fitz and Frank Schwab join forces to recap the draft in the best way they know how: letter grades! Fitz and Frank discuss all 32 teams division by division as they give a snapshot of how fans should be feeling heading into the 2024 season. The duo have key debates on the Dallas Cowboys, New York Giants, New Orleans Saints, Los Angeles Rams, New England Patriots, Las Vegas Raiders and more.

The best RBs for 2024 fantasy football according to our analysts

The Yahoo Fantasy football analysts reveal their first running back rankings for the 2024 NFL season.

CVS stock plunges after earnings numbers one analyst 'did not even believe'

CVS warns it could cede Medicare Advantage market share as reimbursement rates pressure the company.

Tight end rankings for 2024 fantasy football 2024

The Yahoo Fantasy football analysts reveal their first tight end rankings for the 2024 NFL season.

Lakers fire head coach Darvin Ham after just 2 seasons, latest playoff series loss to Nuggets

Despite a trip to the Western Conference finals in his first season with the team, the Lakers are now ready to look for a replacement for Darvin Ham.

Ex-Florida State QB and 1999 Fiesta Bowl starter Marcus Outzen dies at 46

The Seminoles lost 23-16 to Tennessee in the first-ever BCS title game.

MLB odds: Elly De La Cruz on pace for historic season, and his MVP odds are dropping

Elly De La Cruz was a thrill ride in April.

2nd Boeing whistleblower found dead. Here's a timeline of the company's mounting problems.

This is the second Boeing whistleblower to die in the last two months.

UFC 301: Anthony Smith confronts career reality after reconciling with the man who knocked out his teeth

After 56 pro fights and losses in three of his last four, the UFC veteran knows what fans think about the state of his career – but he also knows they've been wrong before.

MLB Power Rankings: Braves move into the top spot followed by Dodgers, Phillies as injuries take a toll across the league

From the Braves to the Marlins, here's where all 30 teams stand after the season's first month.

The best budgeting apps for 2024

Budgeting apps can help you keep track of your finances, stick to a spending plan and reach your money goals. These are the best budget-tracking apps available right now.

How to watch the 2024 WNBA preseason: Caitlin Clark’s next Indiana Fever game time, channel and more

The WNBA preseason tips off this Friday. Here's how you can catch Caitlin Clark's first game.

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content