ADVANTAGES TO BABE RUTH BASEBALL AFFILIATION
2. OUTSTANDING ADVANTAGES OF THE 2013 BABE RUTH INSURANCE PLANS--This is NOT a prospectus but a description.
ACCIDENT INSURANCE--Group Accident Insurance is mandatory for all chartered leagues. .This group accident insurance plan solicited and administered by K&K Insurance Group, is placed with an A-rated carrier, and requires that all the teams in the league must take the coverage. The plan includes these outstanding features:
*Provides primary coverage
*Coverage provided for all league personnel, managers, coaches, umpires, Board Members, etc. (See
brochure for full listing)
*Coverage is effective the day after the premium is mailed (as per the postmark) to Babe Ruth League, Inc.
*Can be "bound to be effective" without premium for a short period by calling K&K Insurance Group. Payment
must be received within 30 days or coverage will be cancelled for non-payment of premium.
*Allows you to play teams other than Babe Ruth teams
*Coverage for participating in non-Babe Ruth tournaments provided if it is sanctioned by the local league and
does not interfere with the Babe Ruth League, Inc. tournament trail.
*Provides coverage for fall programs at no additional cost
*Provides $100,000 of coverage for players while traveling directly to and from Babe Ruth league activities,
practices and games as a team or group under the supervision of a coach or a designated league
*Provides coverage for medical bills sustained up to one full year from the date of the injury
*Provides dental coverage to natural teeth
*After a deductible of $100, reimburses covered expenses up to $250,000
*Provides up to $10,000 for accidental death or dismemberment st
*Policy period is February 1, 2013 to January 31, 2014 (provided coverage is obtained by February 1 )
COMMERCIAL GENERAL LIABILITY INSURANCE - This league liability insurance plan solicited and administered by K&K Insurance Group, is placed with an A-rated carrier and requires that all the teams in the league take the coverage. The plan includes these outstanding features:
*Coverage is effective the day after the premium is mailed (as per the postmark) to Babe Ruth League, Inc. Has no deductible
*Provides participant legal liability
*Participant vs. participant claims are not excluded
*Provides legal protection for all league personnel while they are acting within the scope of their duties
*Written on an "occurrence" form as opposed to a "claims made" form
*Limits of coverage chosen ($1 or $2 Million) are provided for each incident (a $5,000,000 General Aggregate for each insured league applies)
*Covers hosting of Babe Ruth tournaments
*Provides $1 Million of hired and non-owned automobile insurance coverage (in excess of personal automobile insurance)
*Covers additional insureds at no additional cost st
DIRECTORS & OFFICERS LIABILITY INSURANCE - The directors and officers insurance plan solicited and administered by K&K Insurance Group, is placed with an A-rated carrier and is available only to those leagues which have purchased both the accident and liability insurance plans above. The D&O policy includes these outstanding features:
*Coverage is provided for Boards of Directors rather than individual chartered leagues.
*Coverage is provided for "Wrongful Acts" or "Errors and Omissions" that result in lawsuits as a result of (some examples):
*Discrimination (age, race, sex, handicap)
*Wrongful dismissal, rejection or suspension of League personnel or players
*Acts beyond authority granted in bylaws
*Failure to enforce rules or bylaws
*Violation of State and Federal Laws (Anti-Trust, IRS, EEOC)
*Suppression of First Amendment Rights (speech, expression)*Failure to properly manage League financial affairs
*$1,000,000 aggregate, deductible of $500 per claim
*Policy period is February 1, 2013 to January 31, 2014 (provided coverage is obtained by February 1
*D&O Liability Insurance is an optional coverage. It is available only to leagues which have purchased both the Group Accident and General Liability Insurance plans described above.
*Equipment and contents insurance is also available.