Don’t Let This Happen to Your League: 7 Insurance Mistakes That Could Cost You the Season

When the season starts, all eyes are on the field. But what happens off the field, especially when it comes to insurance, can make or break your league.

At Bene-Marc Youth Sports Insurance, we’ve protected youth sports leagues for over 53 years. That means we’ve seen every type of issue, from last-minute policy lapses to heartbreaking injury claims that could have been avoided with a simple phone call.

Here are the seven most common insurance mistakes small youth baseball, softball, and tee ball leagues make, and how to avoid them this season.

1. Assuming you’re covered from last year

Policies don’t automatically roll over. If coverage lapses before your first practice, your league could be on the hook for medical bills, property damage, or liability, even if the season hasn’t started yet.

Avoid it: Set a reminder to renew early. We’ll walk you through it every step of the way.

2. Forgetting to keep an active roster

All coaches, participants, and volunteers are covered under the policy as long as they have signed a waiver provided by the league.

Avoid it: Leagues need to keep active rosters to ensure participants are covered in case of an accident.

3. Skipping excess accident medical coverage

Player injuries are an unfortunate part of sports, and not every family has health insurance or a plan with low deductibles. Without excess accident medical coverage, a broken arm could turn into a financial nightmare.

Avoid it: We offer excess accident medical insurance that fills the gaps most health plans leave behind.

4. Relying on the facility’s insurance

If you rent school or city fields, you must ensure your league has them listed as an Additional Insured on your policy. This step is crucial because it ensures both the league and the facility are covered in case of an accident. Otherwise, the facility’s insurance only covers them, leaving a significant gap in protection for your league.

Avoid it: We provide fast certificates of insurance that meet your venue’s requirements and keep you protected.

5. Leaving equipment uninsured

Pitching machines, scoreboards, uniforms, storage sheds, these all cost money to replace if lost or stolen. Many leagues overlook this.

Avoid it: Ask us about equipment coverage. It’s affordable and smart.

6. Traveling without travel coverage

Going to a tournament outside your usual field? Hosting an out-of-league exhibition game? These events may not be covered under your standard policy.

Tip: Call us before the event. We’ll make sure your coverage extends to where you’re going and what you’re doing.

7. Not having a real contact to call

If there’s an incident, you don’t have time to search a website or sit on hold. You need someone who knows your league, answers the phone, and can get you answers, fast.

Avoid it: With Bene-Marc Youth Sports Insurance, you’ll always have a real person to call. That’s our promise.

A Real Story from the Field

Michael Ricci has been running youth leagues for years. Here’s what he had to say:

“I have been working with Bene‑Marc and Sevlija Korkutovic for over 5 years now. The service she provides is outstanding. She makes the process of renewing my insurance easy and simple. I would recommend Bene‑Marc to anyone. Sevlija, thank you for all you do to help make my leagues run smoothly!”

This is what we aim for. Fast answers. No confusion. Protection you can count on.

Get Ahead of the Season, Not Buried by It

You’re running a youth league because you care about the kids, the community, and the game. Insurance shouldn’t be a mystery or an afterthought.

Let’s get ahead of it, together.