2025 Travel Baseball Team Insurance Costs & Coverage Options
Understanding Travel Baseball Insurance
Travel baseball insurance guards teams against financial losses connected to injuries, property damage, and other events. Both young and adult travel teams depend on it, even if their needs differ.
Types of Coverage
General Liability Insurance protects third-party, non-team member claims of physical injury or property damage from team operations. For instance, this insurance would pay for the related expenses should a foul ball damage a spectator.
Regardless of responsibility, accident medical insurance helps pay medical bills for injuries players or coaches experience during practices or games. Usually serving as auxiliary coverage, it enhances the health insurance coverage available to a family.
Directors & Officer (D&O) Liability insurance shields team officials from claims for wrongful behavior, including discrimination or termination for misconduct. It pays for legal defense and any settlements or rulings.
Crime insurance addresses team-related financial damages resulting from embezzlement or theft.
Equipment insurance covers loss or damage resulting from theft, vandalism, or other covered hazards to team equipment.
Cost of Travel Baseball Insurance
Costs can vary depending on several factors, including the players' age, the league's size, and the desired level of coverage.
Certain companies provide tie-red pricing depending on coverage restrictions and age groups. For instance, teams with players 12 and under might pay $65 for $1 million in coverage, while teams between 13 and 15 would pay $90. Given $2 million in coverage, the same age groups might pay $89 and $125 correspondingly.
Leagues with many teams may pay a single annual cost, say $477 for up to 75 players, with an extra charge per player over that cap. Usually, adult league insurance rates depend on the player count.
Youth vs. Adult Leagues
While adult leagues might concentrate on legal protection and the league's financial health, youth leagues prioritize the safety of young players and parents' peace of mind.
Benefits of Insuring Your Travel Baseball Team
Knowing that the team is financially shielded against unanticipated events gives insurance piece of mind. Covering expenses related to injuries, property damage, and legal defense also helps to protect the team's financial stability. Moreover, many disciplines and event planners need evidence of insurance before letting teams compete.
Finding Affordable Travel Baseball Team Insurance
A few businesses focus on sports insurance. The most reasonably priced solution is to investigate several companies and weigh quotes. In addition to the price, one should consider coverage restrictions, exclusions, and insurance provider reputation. Certain firms additionally provide online solutions for handling certificates of insurance and policy management.
Choosing the Right Insurance
Think through the team's particular requirements and the kind of travel required. Review quotes from several sources, closely review policy information, and select a respectable business with sports insurance experience.
| Provider | Coverage Options | Youth Team Cost | Adult Team Cost | League Cost | Additional Notes |
|---|---|---|---|---|---|
| Little League International | Accident, General Liability, Directors & Officers, Cyber Liability, Crime, Inland Marine/Property | Included in charter fee | Not specified | Varies based on league size and coverage | Must charter through Little League International |
| eSportsInsurance | General Liability, Accident Medical, D&O, Crime, Equipment | $65-$179 per team (1-5 teams); Varies for 6+ teams | Varies | $477 for up to 75 players, +$2 per player over 75 | Custom policies available |
| Sadler Sports and Recreation Insurance | General Liability, Accident, D&O, Crime, Equipment | Varies per player per sport per year, $300 minimum | $6.04-$31.97 per player per year, $300 minimum | Calculated based on number of players and chosen sport | Instant online quotes available |
| K&K Insurance | General Liability, Participant Accident, D&O, Crime, Equipment, Inland Marine, Sexual Misconduct Liability (optional) | Varies per player per sport, $300 minimum | Varies per player per sport, $300 minimum | Varies based on participants and sport | Specific programs for affiliated organizations (e.g. American Legion, Babe Ruth) |
| American Specialty Express | General Liability, Accident Medical, Abuse & Molestation (with background checks), D&O | Starts at $105 | Starts at $105 | League discounts available | Online certificates, claims, and policy management |
| USSSA | General Liability, Accident Medical (Youth), Secondary Accident (Adult) | Starts at $174 per year | Varies | Not specified | Must be a USSSA registered team |
| AYSAA | General Liability, Accident Medical | $65-$179 (+$25 membership fee) | Available through eSportsInsurance | Not specified | Coverage through eSportsInsurance |
| Top Gun Sports Insurance | General Liability, Excess Accident Medical | $160- $230 (Softball); $170-$260 (Baseball) | Not specified, but available. | Discounted rates for 5+ teams | Requires certificate of insurance if not purchased through them. |
| Westpoint Insurance Group | General Liability, Accident Medical, Optional: Contents & Equipment, Dishonesty Bond, Hired and Non-Owned Auto | Flat rate per participant; Staff included at no charge. | Flat rate per participant; Staff included at no charge. | Contact Westpoint for league rates | Excludes certain high-risk activities. |
| A-G Specialty Insurance | General Liability (inc. Abuse & Molestation), Liquor Liability, Auto, Accident Medical, Excess Liability, Property (Inc. Crime), Inland Marine, Workers' Comp | Available, contact for quote. | Available, contact for quote. | Available, contact for quote. | Offers additional services like risk management and claims data analysis. |
| Chappell Insurance / NW Nations | General Liability, Accident | $102-$277 (depending on age and deductible) | $299-$459 (depending on deductible) | Varies based on age, sport, and deductible (6+ teams) | $2 million liability and accident coverage |
| Perfect Game / American Specialty | General Liability, Accident Medical, Abuse and Molestation (with background checks) | Starts at $105 per team | Not specified, but available | Discounts for multiple tournament registrations | Designed for teams participating in Perfect Game events. |
