How to Close 7 Insurance Gaps Before Your Season Starts
When the season starts, all eyes are on the field. However, what happens off the field can quietly create insurance gaps that cost your league everything. At Bene-Marc Youth Sports Insurance, we have protected youth sports leagues for over 53 years. As a result, we have seen every kind of issue, from last-minute policy lapses to injury claims that a single phone call could have prevented.
Here are seven common insurance gaps small youth baseball, softball, and tee ball leagues face, and how to close them this season.
1. Assuming last year’s policy still covers you
Policies do not roll over on their own. If coverage lapses before your first practice, your league could owe medical bills, property damage costs, or liability claims, even before opening day. First, set a calendar alert to renew early. Then call us, and we will walk you through every step.
2. Roster insurance gaps from missing waivers
Coaches, participants, and volunteers stay covered under the policy as long as they sign a league-provided waiver. However, that protection depends on a current roster. So leagues must keep active rosters on file to make sure every person is covered when an accident happens.
3. Skipping excess accident medical coverage
Player injuries happen, and not every family carries strong health insurance. As a result, a broken arm can turn into a financial nightmare without excess accident medical coverage. For example, our excess accident medical policy fills the gaps most family health plans leave behind, so parents are not stuck with a huge deductible.
4. Relying on the facility’s insurance
If you rent a school or city field, list the owner as an Additional Insured on your policy. Otherwise, the facility’s insurance covers only the facility, which leaves another wide insurance gap for your league. In short, we issue fast certificates of insurance that meet venue requirements and keep your league protected.
5. Equipment insurance gaps you can fix fast
Pitching machines, scoreboards, uniforms, and storage sheds cost real money to replace. Still, many leagues overlook equipment coverage until something is stolen or damaged. Ask us about affordable equipment protection so a stolen pitching machine never derails your season.
6. Traveling without travel coverage
Heading to a tournament outside your home field? Hosting an out-of-league exhibition game? These events may not fall under your standard policy. Therefore, call us before the event. We will confirm your coverage stretches to where you go and what you do.
7. Service insurance gaps when no one answers
When an incident happens, you do not have time to search a website or sit on hold. Instead, you need a real person who knows your league and answers the phone. With Bene-Marc Youth Sports Insurance, you always have someone to call. That is our promise, and it is one of the easiest insurance gaps to close.
A real story from the field
Michael Ricci has run youth leagues for years. Here is 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. For more on safe play, see the Aspen Institute Project Play research.
Close your insurance gaps before opening day
You run a youth league because you care about the kids, the community, and the game. So insurance should not feel like a mystery. Next, review your coverage with our team and learn more about why your league needs two policies and the basics of sports liability insurance. Call 800-247-1734 or visit bene-marc.com for a fast quote.
